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MS&AD Insurance Group HoldingsMSADF +6.40%79 Shiller PE Ratio is 31.42 as of Aug. 20, 2026, which is 51% above its 10-year median of 20.75. GuruFocus rates MSADF with a GF Score™ of 79/100 and a GF Value™ of $23.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 372 Insurance companies, MS&AD Insurance Group Holdings ranks worse than 83.6% on this metric.
The historical rank and industry rank for MS&AD Insurance Group Holdings's Shiller PE Ratio or its related term are showing as below:
MSADF'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 13.05 Med: 20.75 Max: 34.02
Current: 30.5
During the past years, MS&AD Insurance Group Holdings's highest Shiller PE Ratio was 34.02. The lowest was 13.05. And the median was 20.75.
MSADF's Shiller PE Ratio is ranked worse than 83.6% of 372
companies
in the Insurance industry
Industry Median: 16.53
vs MSADF: 30.50
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
MS&AD Insurance Group Holdings's adjusted earnings per share data for the three months ended in Mar. 2026 was $-0.605. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $1.00 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
MS&AD Insurance Group Holdings (OTCPK:MSADF) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
MS&AD Insurance Group Holdings Shiller PE Ratio Related Terms
MS&AD Insurance Group Holdings Shiller PE Ratio 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.
MS&AD Insurance Group Holdings Shiller PE Ratio Chart
MSADF vs CB, PGR, TRV: Shiller PE Ratio Comparison
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's Shiller PE Ratio falls into.
MS&AD Insurance Group Holdings Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
MS&AD Insurance Group Holdings (MSADF) has a Shiller PE Ratio of 31.42 as of Aug. 20, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on MS&AD Insurance Group Holdings and its competitors. This is 51% above median its historical median of 20.75. Over the past decade, MS&AD Insurance Group Holdings' Shiller PE Ratio has ranged from 13.05 to 34.02. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #311 out of 372 companies in the Insurance industry, placing it in the top 83.6%.
Is MS&AD Insurance Group Holdings' Shiller PE Ratio too high?
MS&AD Insurance Group Holdings' current Shiller PE Ratio of 31.42 is 51% above median its 10-year median of 20.75. Over the past 10 years, this metric has ranged from a low of 13.05 to a high of 34.02. The Insurance industry median Shiller PE Ratio is 16.53. MS&AD Insurance Group Holdings' value of 31.42 is 90.1% above this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #311 out of 372 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' Shiller PE Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #311 out of 372 companies for Shiller PE Ratio. This places MS&AD Insurance Group Holdings in the lower half of its industry. The industry median Shiller PE Ratio is 16.53. MS&AD Insurance Group Holdings' value of 31.42 is 90.1% above this benchmark. Historically, MS&AD Insurance Group Holdings' own Shiller PE Ratio has ranged from 13.05 to 34.02 over the past decade. While the company's 10-year median is 20.75 vs. the industry median of 16.53, 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 Shiller PE Ratio for an Insurance company?
The median Shiller PE Ratio among Insurance companies is 16.53, based on 372 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MS&AD Insurance Group Holdings's current Shiller PE Ratio of 31.42 is 90.1% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median Shiller PE Ratio is 16.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current Shiller PE Ratio is 31.42, which is 51% above median its own 10-year median of 20.75. 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 (MSADF) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.50, compared to a current price of $31.42 — trading 33.7% above its estimated fair value. The current Shiller PE Ratio is 31.42, which is 51% above median its 10-year median of 20.75 and 90.1% above the Insurance industry median of 16.53. MS&AD Insurance Group Holdings' overall GF Score™ is 79/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current Shiller PE Ratio is 31.42 as of Aug. 20, 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 (MSADF) Overvalued in 2026?
Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be overvalued.
The current stock price of $31.42 is trading 33.7% above its estimated GF Value™ of $23.50.
GuruFocus considers MS&AD Insurance Group Holdings to be Significantly Overvalued.
Key valuation signals for MSADF:
Shiller PE Ratio: 31.42 (51% above median its 10-year median of 20.75)
GF Value™: $23.50 vs. price of $31.42 (33.7% above fair value)
Industry Position: 90.1% above the Insurance median (#311 of 372)
No single metric tells the full story. See the MSADF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
79GF Score
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Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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