MSADF (MS&AD Insurance Group Holdings) 3-Year Sharpe Ratio: 1.09 (As of Sep. 09, 2026)

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MSADF MS&AD Insurance Group Holdings Inc MSADF
60 GF Score
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What is MS&AD Insurance Group Holdings 3-Year Sharpe Ratio?

MS&AD Insurance Group Holdings MSADF -6.89% 60 3-Year Sharpe Ratio is 1.09 as of Sep. 09, 2026. GuruFocus rates MSADF with a GF Score™ of 60/100. The stock has 5 warning signs investors should review.

The 3-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past three years. As of today (2026-09-09), MS&AD Insurance Group Holdings's 3-Year Sharpe Ratio is 1.09.

MS&AD Insurance Group Holdings  (OTCPK:MSADF) 3-Year Sharpe Ratio Explanation

The 3-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past three years. It is calculated as the annualized result of the average three-year monthly excess returns divided by its standard deviation in the three-year period. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

MS&AD Insurance Group Holdings 3-Year Sharpe Ratio Related Terms

MSADF vs CB, PGR, TRV: 3-Year Sharpe Ratio Comparison

For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's 3-Year Sharpe Ratio, along with its competitors' market caps and 3-Year Sharpe Ratio 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 3-Year Sharpe Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's 3-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where MS&AD Insurance Group Holdings's 3-Year Sharpe Ratio falls into.


MSADF
60GF Score
MS&AD Insurance Group Holdings Inc MSADF
3-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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MS&AD Insurance Group Holdings 3-Year Sharpe Ratio Calculation

The 3-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset in the last three years. A stock / portfolio's 3-Year Sharpe Ratio can be calculated by dividing the difference between the three-year average monthly returns of the investment and the risk-free rate, by the standard deviation of the investment returns over the past three years.

Frequently Asked Questions Learn more about 3-Year Sharpe Ratio →
What does a 3-Year Sharpe Ratio of 1.09 mean?
MS&AD Insurance Group Holdings (MSADF) has a 3-Year Sharpe Ratio of 1.09 as of Sep. 09, 2026. 3-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past three years. View historical data for MS&AD Insurance Group Holdings and its competitors.
Is MS&AD Insurance Group Holdings' 3-Year Sharpe Ratio too high?
MS&AD Insurance Group Holdings' current 3-Year Sharpe Ratio is 1.09. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' 3-Year Sharpe Ratio compare to CB and PGR?
MS&AD Insurance Group Holdings' 3-Year Sharpe Ratio of 1.09 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Sharpe Ratio for an Insurance company?
A good 3-Year Sharpe Ratio depends on the Insurance industry context. However, 3-Year Sharpe Ratio 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 3-Year Sharpe Ratio mean?
A high 3-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 3-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past three years. View historical data for MS&AD Insurance Group Holdings and its competitors. MS&AD Insurance Group Holdings's current 3-Year Sharpe Ratio is 1.09. 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 (MSADF) has a current 3-Year Sharpe Ratio of 1.09. The current 3-Year Sharpe Ratio is 1.09. MS&AD Insurance Group Holdings' overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Sharpe Ratio calculated?
3-Year Sharpe Ratio is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current 3-Year Sharpe Ratio is 1.09 as of Sep. 09, 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.

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.
60GF Score

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3-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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