MSADF (MS&AD Insurance Group Holdings) Scaled Net Operating Assets: 0.12 (As of Dec. 2025)


MSADF MS&AD Insurance Group Holdings Inc MSADF
78 GF Score
Price $27.27
GF Value $24.44
Valuation Modestly Overvalued
! 5 Warning Signs
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What is MS&AD Insurance Group Holdings Scaled Net Operating Assets?

MS&AD Insurance Group Holdings MSADF -4.62% 78 Scaled Net Operating Assets is 0.12 as of Dec. 2025. GuruFocus rates MSADF with a GF Score™ of 78/100 and a GF Value™ of $24.44 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

MS&AD Insurance Group Holdings's operating assets for the quarter that ended in Dec. 2025 was $167,434 Mil. MS&AD Insurance Group Holdings's operating liabilities for the quarter that ended in Dec. 2025 was $144,458 Mil. MS&AD Insurance Group Holdings's Total Assets for the quarter that ended in Sep. 2025 was $184,519 Mil. Therefore, MS&AD Insurance Group Holdings's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.12.

MSADF
78GF Score
MS&AD Insurance Group Holdings Inc MSADF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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MS&AD Insurance Group Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

MS&AD Insurance Group Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(168388.892-143791.787)/176048.038
=0.14

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=180491.1 - 12102.208
=168388.892

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=150083.626 - 6291.839 - 0
=143791.787

MS&AD Insurance Group Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(167433.832-144457.64)/184519.146
=0.12

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=179466.042 - 12032.21
=167433.832

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=149526.556 - 5068.916 - 0
=144457.64

* 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.

What does a Scaled Net Operating Assets of 0.12 mean?
MS&AD Insurance Group Holdings (MSADF) has a Scaled Net Operating Assets of 0.12 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on MS&AD Insurance Group Holdings and its competitors.
Is MS&AD Insurance Group Holdings' Scaled Net Operating Assets too high?
MS&AD Insurance Group Holdings' current Scaled Net Operating Assets is 0.12. 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' Scaled Net Operating Assets compare to CB and PGR?
MS&AD Insurance Group Holdings' Scaled Net Operating Assets of 0.12 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on MS&AD Insurance Group Holdings and its competitors. MS&AD Insurance Group Holdings's current Scaled Net Operating Assets is 0.12. 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 Modestly Overvalued. The stock's GF Value™ is $24.44, compared to a current price of $27.27 — trading 11.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current Scaled Net Operating Assets is 0.12 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 (MSADF) Overvalued in 2026?

Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be overvalued. The current stock price of $27.27 is trading 11.6% above its estimated GF Value™ of $24.44. GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.

Key valuation signals for MSADF:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: $24.44 vs. price of $27.27 (11.6% above fair value)
  • GF Score™: 78/100 with 5 warning signs

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 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.
78GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.27
Price
$24.44
GF Value