MS&AD Insurance Group Holdings stock
8725.TJPXMS&AD Insurance Group Holdings, Inc., Financial ServicesISIN JP3890310000
84Score 84 out of 100, Strong
Price and trend
81 / 100
Price history
+61% in one yearThe chart shows daily closes over 19 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 17% above it.
Since September 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 53).
The price is at its 52-week high. Largest decline in 19 years: 74% (May 2008 to June 2012).
Chart figures for advanced users
- SMA 50$31.91
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$28.39
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)53
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$19.67
- The lowest closing price of the last twelve months.
- Resistance$33.31
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- MS&AD Insurance Group Holdings, Inc. belongs to the Insurance (Property & Casualty) industry (Japan) and, with a market value of $47.26B, is number 8 of 58 companies in its industry on MEQIRI.
- In fiscal 2026 it reported revenue of $45.15B (up 12.9% year on year) and earnings of $4.93B (up 13.8%).
- For fiscal 2027, analysts expect on average revenue of $43.83B (down 2.9%) and adjusted earnings per share of $2.41 (down 27.2%).
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- MEQIRI Score 84 out of 100 (Strong): rank 21 of 975 in Financial Services, median 68.
- The P/E is 8.9 (Insurance (Property & Casualty) median 11.5, own median of recent years 8.9).
- Our model puts fair value at $46.73, with the price 30% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 44% a year since 2021.Growth 86
- High return on equityReturn on equity 17.5% over the last 12 months.Profitability 67
- Reliable dividendNo dividend cut for 18 years.Capital allocation 87
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are fundamentals and valuation.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk not measured
How well MEQIRI warnsFor stocks from Japan, China, Hong Kong, Taiwan, Korea, Canada, India and Brazil we only show crash risk once a separate backtest shows that it warns as well there as in the US and Europe.
Valuation
Valuation signal
Significantly undervaluedClosing price of 12 Nov 2026, used by the daily score.
In our model the price counts as cheap below $35.94 and expensive above $66.75 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $50.21 (excess return model) and $43.24 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 6.1%. At 7.1% the fair value would be $42.54, at 5.1% it would be $53.00.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.5).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Jun 2026, revenue rose 20.7% on the twelve months before. Revenue has grown solidly since 2007, at about 7% per year.
Margins
- Operating margin
- Net margin
In fiscal 2026: operating 15%, net 11%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 19 Nov 2026in 6 days
- Last reported
- 14 Aug 2026EPS reported $1.39 (expected $0.47)above expectations
Analyst estimates
Earnings estimates have barely changed since 26 Oct 2026.
- Earnings per share
- $2.410.0%
- Revenue
- $43.83B0.0%
- Earnings per share
- $2.640.0%
- Revenue
- $46.91B0.0%
MEQIRI has stored the estimates since 26 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at MS&AD Insurance Group Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 84
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- Travelers CompaniesTRV $82.63B89
- AllstateALL $65.99B88
- PICC Property and Casualty2328.HK $48.79B77
- People's Insurance Company (Group) of China601319.SS $47.09B59
- Fairfax Financial HoldingsFFH.TO $40.23B83
- Sompo Holdings8630.T $40.09B79
- Intact FinancialIFC.TO $34.66B73
- Cincinnati FinancialCINF $29.21B75
ETFs that hold MS&AD Insurance Group Holdings
Held by 95 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| WisdomTree Japan Equity UCITS ETF EUR Hedged AccWTIF | 1.74% | 0.45% | €892.19M |
| Franklin Global Quality Dividend UCITS ETFFLXX | 1.44% | 0.30% | €141.87M |
| Xtrackers MSCI Japan Screened UCITS ETF 3C EUR HedgedXDNE | 0.83% | 0.25% | €457.17M |
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| Amundi MSCI Japan ESG Broad Transition UCITS ETF EUR AccJ1GR | 0.79% | 0.15% | €1.36B |
| UBS Core MSCI Japan UCITS ETF JPY dis DistributionUIM5 | 0.79% | 0.12% | €7.18B |
| Deka MSCI Japan Climate Change ESG UCITS ETFEL45 | 0.75% | 0.26% | €163.89M |
| Amundi Prime Japan UCITS ETF DR (D)PR1J | 0.74% | 0.05% | €4.34B |
| Amundi MSCI Pacific ESG Broad Transition UCITS ETF DistX014 | 0.72% | 0.45% | €179.33M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 13 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 31 Mar 2026
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = ¥159.70)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 25 Jul 2025)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.