MS&AD Insurance Group Holdings (TSE:8725) ROCE %: % (As of Mar. 2026)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TSE:8725 MS&AD Insurance Group Holdings Inc TSE:8725
82 GF Score
Price 円4,431.00
GF Value 円4,623.79
Valuation Fairly Valued
! 3 Warning Signs
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What is MS&AD Insurance Group Holdings ROCE %?

MS&AD Insurance Group Holdings TSE:8725 +0.07% 82 ROCE % is % as of Mar. 2026. GuruFocus rates TSE:8725 with a GF Score™ of 82/100 and a GF Value™ of 円4,623.79 (Fairly Valued). The stock has 3 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

TSE:8725
82GF Score
MS&AD Insurance Group Holdings Inc TSE:8725
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
MS&AD Insurance Group Holdings (TSE:8725) has a ROCE % of % as of Mar. 2026.
Is MS&AD Insurance Group Holdings' ROCE % too high?
MS&AD Insurance Group Holdings' current ROCE % is %. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' ROCE % compare to CB and PGR?
MS&AD Insurance Group Holdings' ROCE % of % can be compared against companies in the Insurance industry. The industry median ROCE % is 7.86. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for an Insurance company?
The median ROCE % among Insurance companies is 7.86, based on 65 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median ROCE % is 7.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current ROCE % is %. 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 (TSE:8725) is currently considered Fairly Valued. The stock's GF Value™ is 円4,623.79, compared to a current price of 円4,431.00 — trading 4.2% below its estimated fair value. The current ROCE % is %. MS&AD Insurance Group Holdings' overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (TSE:8725), the current ROCE % is % as of Mar. 2026. 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 (TSE:8725) Overvalued in 2026?

Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be undervalued. The current stock price of 円4,431.00 is trading 4.2% below its estimated GF Value™ of 円4,623.79. GuruFocus considers MS&AD Insurance Group Holdings to be Fairly Valued.

Key valuation signals for TSE:8725:

  • ROCE %: %
  • GF Value™: 円4,623.79 vs. price of 円4,431.00 (4.2% below fair value)
  • GF Score™: 82/100 with 3 warning signs

No single metric tells the full story. See the TSE:8725 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

MS&AD Insurance Group Holdings Business Description

Address Yaesu First Financial Building, Yaesu 1-3-7, Chuo-ku, Tokyo, JPN, 103-0028
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.
82GF Score

Get the complete analysis for TSE:8725

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円4,431.00
Price
円4,623.79
GF Value