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MS&AD Insurance Group HoldingsMSADF +7.36%82 3-Year Share Buyback Ratio is 3.30 as of Mar. 2026, which is 175% above its 10-year median of 1.20. GuruFocus rates MSADF with a GF Score™ of 82/100 and a GF Value™ of $28.10 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 279 Insurance companies, MS&AD Insurance Group Holdings ranks better than 84.95% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. MS&AD Insurance Group Holdings's current 3-Year Share Buyback Ratio was 3.30%.
The historical rank and industry rank for MS&AD Insurance Group Holdings's 3-Year Share Buyback Ratio or its related term are showing as below:
MSADF'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -47 Med: 1.2 Max: 33.4
Current: 3.3
During the past 13 years, MS&AD Insurance Group Holdings's highest 3-Year Share Buyback Ratio was 33.40%. The lowest was -47.00%. And the median was 1.20%.
MSADF's 3-Year Share Buyback Ratio is ranked better than 84.95% of 279
companies
in the Insurance industry
Industry Median: -0.1
vs MSADF: 3.30
MS&AD Insurance Group Holdings (OTCPK:MSADF) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
MS&AD Insurance Group Holdings 3-Year Share Buyback Ratio Related Terms
MSADF vs CB, PGR, TRV: 3-Year Share Buyback Ratio Comparison
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 Share Buyback Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's 3-Year Share Buyback Ratio falls into.
MS&AD Insurance Group Holdings 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 3.30 mean?
MS&AD Insurance Group Holdings (MSADF) has a 3-Year Share Buyback Ratio of 3.30 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for MS&AD Insurance Group Holdings and its competitors. This is 175% above median its historical median of 1.20. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #42 out of 279 companies in the Insurance industry, placing it in the top 15.1%.
Is MS&AD Insurance Group Holdings' 3-Year Share Buyback Ratio too high?
MS&AD Insurance Group Holdings' current 3-Year Share Buyback Ratio of 3.30 is 175% above median its 10-year median of 1.20. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #42 out of 279 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' 3-Year Share Buyback Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #42 out of 279 companies for 3-Year Share Buyback Ratio. This places MS&AD Insurance Group Holdings in the top 15% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for an Insurance company?
A good 3-Year Share Buyback Ratio depends on the Insurance industry context. However, 3-Year Share Buyback 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 Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for MS&AD Insurance Group Holdings and its competitors. MS&AD Insurance Group Holdings's current 3-Year Share Buyback Ratio is 3.30, which is 175% above median its own 10-year median of 1.20. 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 $28.10, compared to a current price of $32.08 — trading 14.2% above its estimated fair value. The current 3-Year Share Buyback Ratio is 3.30, which is 175% above median its 10-year median of 1.20. MS&AD Insurance Group Holdings' overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current 3-Year Share Buyback Ratio is 3.30 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 (MSADF) Overvalued in 2026?
Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be overvalued.
The current stock price of $32.08 is trading 14.2% above its estimated GF Value™ of $28.10.
GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.
Key valuation signals for MSADF:
3-Year Share Buyback Ratio: 3.30 (175% above median its 10-year median of 1.20)
GF Value™: $28.10 vs. price of $32.08 (14.2% above fair value)
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
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
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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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