MS&AD Insurance Group Holdings, Inc. (TYO:8725)

TYO:8725 Statistics

Total Valuation

TYO:8725 has a market cap or net worth of JPY 5.09 trillion. The enterprise value is 3.71 trillion.

Market Cap	5.09T
Enterprise Value	3.71T

Important Dates

The last earnings date was Wednesday, November 19, 2025.

Earnings Date	Nov 19, 2025
Ex-Dividend Date	Mar 30, 2026

Share Statistics

TYO:8725 has 1.49 billion shares outstanding. The number of shares has decreased by -4.52% in one year.

Current Share Class	1.49B
Shares Outstanding	1.49B
Shares Change (YoY)	-4.52%
Shares Change (QoQ)	-1.03%
Owned by Insiders (%)	0.06%
Owned by Institutions (%)	51.15%
Float	1.33B

Valuation Ratios

The trailing PE ratio is 7.14 and the forward PE ratio is 8.05. TYO:8725's PEG ratio is 17.60.

PE Ratio	7.14
Forward PE	8.05
PS Ratio	0.71
PB Ratio	1.16
P/TBV Ratio	1.31
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	17.60

Enterprise Valuation

EV / Earnings	5.12
EV / Sales	0.51
EV / EBITDA	3.43
EV / EBIT	3.85
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.60, with a Debt / Equity ratio of 0.18.

Current Ratio	1.60
Quick Ratio	0.76
Debt / Equity	0.18
Debt / EBITDA	0.73
Debt / FCF	n/a
Interest Coverage	81.76

Financial Efficiency

Return on equity (ROE) is 16.66% and return on invested capital (ROIC) is 11.89%.

Return on Equity (ROE)	16.66%
Return on Assets (ROA)	2.24%
Return on Invested Capital (ROIC)	11.89%
Return on Capital Employed (ROCE)	4.03%
Revenue Per Employee	179.96M
Profits Per Employee	18.10M
Employee Count	38,247
Asset Turnover	0.27
Inventory Turnover	n/a

Taxes

In the past 12 months, TYO:8725 has paid 248.57 billion in taxes.

Income Tax	248.57B
Effective Tax Rate	25.43%

Stock Price Statistics

The stock price has decreased by -4.18% in the last 52 weeks. The beta is 0.18, so TYO:8725's price volatility has been lower than the market average.

Beta (5Y)	0.18
52-Week Price Change	-4.18%
50-Day Moving Average	3,325.32
200-Day Moving Average	3,270.71
Relative Strength Index (RSI)	58.37
Average Volume (20 Days)	5,237,695

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, TYO:8725 had revenue of JPY 7.20 trillion and earned 724.34 billion in profits. Earnings per share was 478.57.

Revenue	7.20T
Gross Profit	1.89T
Operating Income	963.33B
Pretax Income	977.43B
Net Income	724.34B
EBITDA	1.08T
EBIT	963.33B
Earnings Per Share (EPS)	478.57

Balance Sheet

The company has 2.09 trillion in cash and 790.19 billion in debt, giving a net cash position of 1.09 trillion or 730.76 per share.

Cash & Cash Equivalents	2.09T
Total Debt	790.19B
Net Cash	1.09T
Net Cash Per Share	730.76
Equity (Book Value)	4.39T
Book Value Per Share	2,916.90
Working Capital	2.02T

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 26.21%, with operating and profit margins of 13.38% and 10.06%.

Gross Margin	26.21%
Operating Margin	13.38%
Pretax Margin	13.57%
Profit Margin	10.06%
EBITDA Margin	15.01%
EBIT Margin	13.38%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 155.00, which amounts to a dividend yield of 4.61%.

Dividend Per Share	155.00
Dividend Yield	4.61%
Dividend Growth (YoY)	6.90%
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	4.52%
Shareholder Yield	9.14%
Earnings Yield	14.24%
FCF Yield	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 28, 2024. It was a forward split with a ratio of 3.

Last Split Date	Mar 28, 2024
Split Type	Forward
Split Ratio	3

Scores

Altman Z-Score	n/a
Piotroski F-Score	3