MS&AD Insurance Group HoldingsMSADF +2.09%66 5-Year Yield-on-Cost % is 6.97 as of Jul. 04, 2026, which is 28% below its 10-year median of 9.72. GuruFocus rates MSADF with a GF Score™ of 66/100 and a GF Value™ of $24.51 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 424 Insurance companies, MS&AD Insurance Group Holdings ranks better than 79.95% on this metric.
The historical rank and industry rank for MS&AD Insurance Group Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:
MSADF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.85 Med: 9.72 Max: 14.22
Current: 6.97
During the past 13 years, MS&AD Insurance Group Holdings's highest Yield on Cost was 14.22. The lowest was 5.85. And the median was 9.72.
MSADF's 5-Year Yield-on-Cost % is ranked better than 79.95% of 424
companies
in the Insurance industry
Industry Median: 3.965
vs MSADF: 6.97
MS&AD Insurance Group Holdings (OTCPK:MSADF) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
MS&AD Insurance Group Holdings 5-Year Yield-on-Cost % Related Terms
MSADF vs CB, PGR, TRV: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's 5-Year Yield-on-Cost % falls into.
MS&AD Insurance Group Holdings 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
MS&AD Insurance Group Holdings (MSADF) has a 5-Year Yield-on-Cost % of 6.97 as of Jul. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on MS&AD Insurance Group Holdings and its competitors. This is 28% below median its historical median of 9.72. Over the past decade, MS&AD Insurance Group Holdings' 5-Year Yield-on-Cost % has ranged from 5.85 to 14.22. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #85 out of 424 companies in the Insurance industry, placing it in the top 20%.
Is MS&AD Insurance Group Holdings' 5-Year Yield-on-Cost % too high?
MS&AD Insurance Group Holdings' current 5-Year Yield-on-Cost % of 6.97 is 28% below median its 10-year median of 9.72. Over the past 10 years, this metric has ranged from a low of 5.85 to a high of 14.22. The Insurance industry median 5-Year Yield-on-Cost % is 3.97. MS&AD Insurance Group Holdings' value of 6.97 is 75.8% above this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #85 out of 424 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 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' 5-Year Yield-on-Cost % compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #85 out of 424 companies for 5-Year Yield-on-Cost %. This places MS&AD Insurance Group Holdings in the top 20% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.97. MS&AD Insurance Group Holdings' value of 6.97 is 75.8% above this benchmark. Historically, MS&AD Insurance Group Holdings' own 5-Year Yield-on-Cost % has ranged from 5.85 to 14.22 over the past decade. While the company's 10-year median is 9.72 vs. the industry median of 3.97, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.97, based on 424 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MS&AD Insurance Group Holdings's current 5-Year Yield-on-Cost % of 6.97 is 75.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current 5-Year Yield-on-Cost % is 6.97, which is 28% below median its own 10-year median of 9.72. 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 $24.51, compared to a current price of $28.30 — trading 15.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.97, which is 28% below median its 10-year median of 9.72 and 75.8% above the Insurance industry median of 3.97. MS&AD Insurance Group Holdings' overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current 5-Year Yield-on-Cost % is 6.97 as of Jul. 04, 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 $28.30 is trading 15.5% above its estimated GF Value™ of $24.51.
GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.
Key valuation signals for MSADF:
5-Year Yield-on-Cost %: 6.97 (28% below median its 10-year median of 9.72)
GF Value™: $24.51 vs. price of $28.30 (15.5% above fair value)
Industry Position: 75.8% above the Insurance median (#85 of 424)
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.
66GF Score
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