The historical rank and industry rank for MS&AD Insurance Group Holdings's ROE % or its related term are showing as below:
NGO:8725'
s ROE % Range Over the Past 10 Years
Min: 5.21 Med: 7.28 Max: 18.05
Current: 18.05
During the past 13 years, MS&AD Insurance Group Holdings's highest ROE % was 18.05%. The lowest was 5.21%. And the median was 7.28%.
NGO:8725's ROE % is ranked better than 72.91% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs NGO:8725: 18.05
MS&AD Insurance Group Holdings (NGO:8725) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
MS&AD Insurance Group Holdings ROE % Related Terms
MS&AD Insurance Group Holdings ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
MS&AD Insurance Group Holdings (NGO:8725) has a ROE % of 14.78% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on MS&AD Insurance Group Holdings and its competitors. This is 103% above median its historical median of 7.28. Over the past decade, MS&AD Insurance Group Holdings' ROE % has ranged from 5.21 to 18.05. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #136 out of 502 companies in the Insurance industry, placing it in the top 27.1%.
Is MS&AD Insurance Group Holdings' ROE % too high?
MS&AD Insurance Group Holdings' current ROE % of 14.78% is 103% above median its 10-year median of 7.28. Over the past 10 years, this metric has ranged from a low of 5.21 to a high of 18.05. The Insurance industry median ROE % is 11.73. MS&AD Insurance Group Holdings' value of 14.78% is 26% above this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #136 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #136 out of 502 companies for ROE %. This puts MS&AD Insurance Group Holdings in the upper half of its industry. The industry median ROE % is 11.73. MS&AD Insurance Group Holdings' value of 14.78% is 26% above this benchmark. Historically, MS&AD Insurance Group Holdings' own ROE % has ranged from 5.21 to 18.05 over the past decade. While the company's 10-year median is 7.28 vs. the industry median of 11.73, MS&AD Insurance Group Holdings has consistently been above 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MS&AD Insurance Group Holdings's current ROE % of 14.78% is 26% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current ROE % is 14.78%, which is 103% above median its own 10-year median of 7.28. 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?
MS&AD Insurance Group Holdings (NGO:8725) has a current ROE % of 14.78%. The stock's GF Value™ is 円3,562.12, compared to a current price of 円4,167.00 — trading 17% above its estimated fair value. The current ROE % is 14.78%, which is 103% above median its 10-year median of 7.28 and 26% above the Insurance industry median of 11.73. MS&AD Insurance Group Holdings' overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (NGO:8725), the current ROE % is 14.78% 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 (NGO:8725) Overvalued in 2026?
Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be overvalued.
The current stock price of 円4,167.00 is trading 17% above its estimated GF Value™ of 円3,562.12.
Key valuation signals for NGO:8725:
ROE %: 14.78% (103% above median its 10-year median of 7.28)
GF Value™: 円3,562.12 vs. price of 円4,167.00 (17% above fair value)
Industry Position: 26% above the Insurance median (#136 of 502)
No single metric tells the full story. See the NGO:8725 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.
80GF Score
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