ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. MS&AD Insurance Group Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was $4,244 Mil.
MS&AD Insurance Group Holdings's average Total Assets over the quarter that ended in Dec. 2025 was $181,993 Mil. Therefore, MS&AD Insurance Group Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 2.33%.
The historical rank and industry rank for MS&AD Insurance Group Holdings's ROA % or its related term are showing as below:
MSADY'
s ROA % Range Over the Past 10 Years
Min: 0.61 Med: 0.93 Max: 2.88
Current: 2.88
During the past 13 years, MS&AD Insurance Group Holdings's highest ROA % was 2.88%. The lowest was 0.61%. And the median was 0.93%.
MSADY's ROA % is ranked better than 52.36% of 508
companies
in the Insurance industry
Industry Median: 2.7
vs MSADY: 2.88
MS&AD Insurance Group Holdings (OTCPK:MSADY) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
MS&AD Insurance Group Holdings ROA % Related Terms
MS&AD Insurance Group Holdings ROA % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
MS&AD Insurance Group Holdings ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
MS&AD Insurance Group Holdings (MSADY) has a ROA % of 2.33% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on MS&AD Insurance Group Holdings and its competitors. This is 151% above median its historical median of 0.93. Over the past decade, MS&AD Insurance Group Holdings' ROA % has ranged from 0.61 to 2.88. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #242 out of 508 companies in the Insurance industry, placing it in the top 47.6%.
Is MS&AD Insurance Group Holdings' ROA % too high?
MS&AD Insurance Group Holdings' current ROA % of 2.33% is 151% above median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 2.88. The Insurance industry median ROA % is 2.70. MS&AD Insurance Group Holdings' value of 2.33% is 13.7% below this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #242 out of 508 companies in the Insurance industry, which is above the industry midpoint. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #242 out of 508 companies for ROA %. This puts MS&AD Insurance Group Holdings in the upper half of its industry. The industry median ROA % is 2.70. MS&AD Insurance Group Holdings' value of 2.33% is 13.7% below this benchmark. Historically, MS&AD Insurance Group Holdings' own ROA % has ranged from 0.61 to 2.88 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 2.70, MS&AD Insurance Group Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MS&AD Insurance Group Holdings's current ROA % of 2.33% is 13.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current ROA % is 2.33%, which is 151% above median its own 10-year median of 0.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MS&AD Insurance Group Holdings stock overvalued right now?
Based on GuruFocus' analysis, MS&AD Insurance Group Holdings (MSADY) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.46, compared to a current price of $27.57 — trading 12.7% above its estimated fair value. The current ROA % is 2.33%, which is 151% above median its 10-year median of 0.93 and 13.7% below the Insurance industry median of 2.70. MS&AD Insurance Group Holdings' overall GF Score™ is 78/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADY), the current ROA % is 2.33% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is MS&AD Insurance Group Holdings (MSADY) Overvalued in 2026?
Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be overvalued.
The current stock price of $27.57 is trading 12.7% above its estimated GF Value™ of $24.46.
GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.
Key valuation signals for MSADY:
ROA %: 2.33% (151% above median its 10-year median of 0.93)
GF Value™: $24.46 vs. price of $27.57 (12.7% above fair value)
Industry Position: 13.7% below the Insurance median (#242 of 508)
No single metric tells the full story. See the MSADY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MS&AD Insurance Group Holdings Business Description
MS&AD is Japan's largest domestic property and casualty insurer by market share, trailing Tokio Marine HCC in global scale. Domestically, it maintains a solid second-tier life presence. Overseas, MS&AD holds a dominant, profitable retail footprint in the Association of Southeast Asian Nations and is aggressively pivoting to US specialty lines via a milestone investment in W.R. Berkley, supported by MS Amlin's successful turnaround in global specialty markets.Domestically, MS&AD leverages deep corporate ties with Mitsui and Sumitomo, alongside an exclusive Toyota partnership that provides unparalleled advantages in capturing auto insurance customers and building advanced telematics data funnels.
78GF Score
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