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MS&AD Insurance Group Holdings, Inc. MSADF

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33.57 USD 0.00 (+0.00%)

At closeNov 3, 2026, 4:00 PM EST

33.00 Day range 33.00
19.57 52-week range 35.35
YTD
+47.89%
1 year
+58.13%

Financial health

Altman Z-Score

1.02 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

S-5 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 5

Valuation

P/E 7.3×
FY 2017: 1177×FY 2018: 1381×FY 2019: 1127×FY 2020: 1547×FY 2021: 13.5×FY 2022: 8.3×FY 2023: 14.6×FY 2024: 11.6×FY 2025: 7.5×FY 2026: 7.3×
FY 2017 5y median 8.3× FY 2026
P/S 0.0×
FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.5×FY 2024: 0.7×FY 2025: 0.8×FY 2026: 0.0×
FY 2017 5y median 0.5× FY 2026
P/B 0.0×
FY 2017: 91.5×FY 2018: 71.9×FY 2019: 79.0×FY 2020: 0.8×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 1.3×FY 2026: 0.0×
FY 2017 5y median 0.8× FY 2026
P/FCF 0.0×
FY 2017: 238×FY 2018: 280×FY 2019: 325×FY 2020: 399×FY 2021: -520×FY 2022: 1709×FY 2023: 2782×FY 2024: 9.2×FY 2025: 9.1×FY 2026: 0.0×
FY 2017 5y median 9.2× FY 2026
EV/EBITDA -4.9×
FY 2017: 6.0×FY 2018: 6.0×FY 2019: 5.3×FY 2020: 19.5×FY 2021: 3.0×FY 2022: 1.5×FY 2023: 0.7×FY 2024: 3.5×FY 2025: 3.5×FY 2026: -4.9×
FY 2017 5y median 1.5× FY 2026
EV/Sales -0.6×
FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.3×FY 2025: 0.6×FY 2026: -0.6×
FY 2017 5y median 0.1× FY 2026
FCF Yield 2026.0%
FY 2017: 0.4%FY 2018: 0.4%FY 2019: 0.3%FY 2020: 0.3%FY 2021: -0.2%FY 2022: 0.1%FY 2023: 0.0%FY 2024: 10.8%FY 2025: 11.0%FY 2026: 2026.0%
FY 2017 5y median 10.8% FY 2026

Profitability

Gross Margin 23.8%
FY 2017: 87.1%FY 2018: 86.4%FY 2019: 86.9%FY 2020: 84.4%FY 2021: 84.8%FY 2022: 85.5%FY 2023: 84.7%FY 2024: 86.6%FY 2025: 86.0%FY 2026: 23.8%
FY 2017 5y median 85.5% FY 2026
Operating Margin 9.9%
FY 2017: 5.4%FY 2018: 4.8%FY 2019: 5.2%FY 2020: 0.3%FY 2021: 4.2%FY 2022: 7.4%FY 2023: 5.9%FY 2024: 7.3%FY 2025: 14.3%FY 2026: 9.9%
FY 2017 5y median 7.4% FY 2026
Net Margin 7.6%
FY 2017: 4.0%FY 2018: 3.0%FY 2019: 3.6%FY 2020: 3.1%FY 2021: 3.0%FY 2022: 5.2%FY 2023: 4.2%FY 2024: 5.8%FY 2025: 10.9%FY 2026: 7.6%
FY 2017 5y median 5.8% FY 2026
ROE 10.6%
FY 2017: 865.5%FY 2018: 557.0%FY 2019: 775.3%FY 2020: 5.8%FY 2021: 4.7%FY 2022: 8.1%FY 2023: 7.0%FY 2024: 8.3%FY 2025: 17.3%FY 2026: 10.6%
FY 2017 5y median 8.3% FY 2026
ROIC 1.7%
FY 2017: 122.5%FY 2018: 80.8%FY 2019: 102.9%FY 2020: 6.4%FY 2021: 74.6%FY 2022: 143.5%FY 2023: 127.7%FY 2024: 0.8%FY 2025: 2.2%FY 2026: 1.7%
FY 2017 5y median 2.2% FY 2026
ROA 1.8%
FY 2017: 110.4%FY 2018: 72.9%FY 2019: 92.2%FY 2020: 66.6%FY 2021: 66.1%FY 2022: 127.8%FY 2023: 112.1%FY 2024: 1.4%FY 2025: 2.6%FY 2026: 1.8%
FY 2017 5y median 2.6% FY 2026

Growth (YoY)

Revenue 5.9%
FY 2017: 10.0%FY 2018: -4.3%FY 2019: 6.7%FY 2020: -13.7%FY 2021: 3.6%FY 2022: 3.8%FY 2023: 1.0%FY 2024: 25.4%FY 2025: 0.2%FY 2026: 5.9%
FY 2017 FY 2026
Operating Income -26.7%
FY 2017: 9.9%FY 2018: -13.6%FY 2019: 14.5%FY 2020: -95.5%FY 2021: 1512.6%FY 2022: 83.4%FY 2023: -19.8%FY 2024: 55.8%FY 2025: 96.3%FY 2026: -26.7%
FY 2017 FY 2026
EPS (diluted) 18870.0%
FY 2017: 18.0%FY 2018: -22.9%FY 2019: 22.2%FY 2020: -22.2%FY 2021: 10967.5%FY 2022: 85.5%FY 2023: -36.8%FY 2024: 133.1%FY 2025: 91.3%FY 2026: 18870.0%
FY 2017 FY 2026
Free Cash Flow 28.5%
FY 2017: -16.2%FY 2018: -23.9%FY 2019: -14.9%FY 2020: -14.5%FY 2021: -172.7%FY 2022: 134.0%FY 2023: -33.7%FY 2024: 54747.2%FY 2025: 23.1%FY 2026: 28.5%
FY 2017 FY 2026

Financial Health

Current Ratio 0.0×
FY 2017: 1.4×FY 2018: 1.2×FY 2019: 1.5×FY 2020: 1.9×FY 2021: 1.8×FY 2022: 1.8×FY 2023: 1.8×FY 2024: 85.2×FY 2025: 0.0×FY 2026: 0.0×
FY 2017 5y median 1.8× FY 2026
Quick Ratio 0.0×
FY 2017: 1.4×FY 2018: 1.2×FY 2019: 1.5×FY 2020: 1.9×FY 2021: 1.8×FY 2022: 1.8×FY 2023: 1.8×FY 2024: 85.2×FY 2025: 0.0×FY 2026: 0.0×
FY 2017 5y median 1.8× FY 2026
Debt / Equity 0.2×
FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×FY 2026: 0.2×
FY 2017 5y median 0.2× FY 2026
Net Debt / EBITDA -4.9×
FY 2017: -0.0×FY 2018: -0.0×FY 2019: -0.1×FY 2020: -0.3×FY 2021: -3.5×FY 2022: -3.1×FY 2023: -5.0×FY 2024: -3.7×FY 2025: -1.5×FY 2026: -4.9×
FY 2017 5y median -3.7× FY 2026
Interest Coverage 37.6×
FY 2017: 31.4×FY 2018: 27.0×FY 2019: 25.5×FY 2020: 0.9×FY 2021: 13.8×FY 2022: 23.9×FY 2023: 28.6×FY 2024: 44.2×FY 2025: 77.0×FY 2026: 37.6×
FY 2017 5y median 37.6× FY 2026

Dividends

Dividend Yield 623.7%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 4.0%FY 2020: 4.1%FY 2021: 4.3%FY 2022: 4.1%FY 2023: 4.5%FY 2024: 2.7%FY 2025: 3.7%FY 2026: 623.7%
FY 2017 5y median 4.1% FY 2026
Payout Ratio 44.3%
FY 2017: 0.3%FY 2018: 0.5%FY 2019: 41.1%FY 2020: 58.6%FY 2021: 58.8%FY 2022: 34.3%FY 2023: 50.6%FY 2024: 31.7%FY 2025: 27.5%FY 2026: 44.3%
FY 2017 5y median 34.3% FY 2026

Annual · latest fiscal year ends 2026-03-31