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MS&AD Insurance Group Holdings, Inc. MSADY

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Price alert · MSADY

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33.21 USD +0.24 +0.73%

At close · Oct 30

33.05 Day range 33.14
19.89 52-week range 34.31
YTD
+41.74%
1 year
+59.66%
Open
33.12
Prev close
32.97
Mkt cap
47.15B
Vol
1.31K
Avg vol
59.36K
EPS
3.94
P/E
8.43
More statistics
Low
33.05
High
33.14
Earnings
Aug 14, 2026

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Financial health

Altman Z-Score

1.03 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

A+4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 4
  • P/B 4

Valuation

P/E 7.3×
FY 2017: 3.4×FY 2018: 4.2×FY 2019: 9.5×FY 2020: 12.0×FY 2021: 12.8×FY 2022: 8.3×FY 2023: 13.7×FY 2024: 11.7×FY 2025: 7.3×FY 2026: 7.3×
FY 2017 5y median 8.3× FY 2026
P/S 0.8×
FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.7×FY 2025: 0.8×FY 2026: 0.8×
FY 2017 5y median 0.7× FY 2026
P/B 1.3×
FY 2017: 0.7×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 1.0×FY 2025: 1.3×FY 2026: 1.3×
FY 2017 5y median 1.0× FY 2026
P/FCF 7.9×
FY 2017: 1.8×FY 2018: 2.4×FY 2019: 2.7×FY 2020: 3.1×FY 2021: -4.5×FY 2022: 14.0×FY 2023: 19.7×FY 2024: 9.3×FY 2025: 7.9×FY 2026: 7.9×
FY 2017 5y median 9.3× FY 2026
EV/EBITDA 1.8×
FY 2017: 2.6×FY 2018: 2.6×FY 2019: 2.8×FY 2020: 6.5×FY 2021: 2.0×FY 2022: 1.3×FY 2023: 0.4×FY 2024: 3.6×FY 2025: 3.4×FY 2026: 1.8×
FY 2017 5y median 1.8× FY 2026
EV/Sales 0.3×
FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.3×FY 2025: 0.6×FY 2026: 0.3×
FY 2017 5y median 0.3× FY 2026
FCF Yield 12.7%
FY 2017: 54.4%FY 2018: 42.3%FY 2019: 36.5%FY 2020: 32.6%FY 2021: -22.4%FY 2022: 7.1%FY 2023: 5.1%FY 2024: 10.8%FY 2025: 12.6%FY 2026: 12.7%
FY 2017 5y median 10.8% FY 2026

Profitability

Gross Margin 56.1%
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: 56.1%
FY 2017 5y median 85.5% FY 2026
Operating Margin 14.6%
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: 14.6%
FY 2017 5y median 7.4% FY 2026
Net Margin 10.9%
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: 10.9%
FY 2017 5y median 5.8% FY 2026
ROE 17.4%
FY 2017: 7.8%FY 2018: 5.2%FY 2019: 7.0%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: 17.4%
FY 2017 5y median 8.3% FY 2026
ROIC 2.9%
FY 2017: 1.1%FY 2018: 0.8%FY 2019: 137.4%FY 2020: 0.5%FY 2021: 20.4%FY 2022: 37.1%FY 2023: 22.4%FY 2024: 1.6%FY 2025: 2.5%FY 2026: 2.9%
FY 2017 5y median 2.9% FY 2026
ROA 2.9%
FY 2017: 1.0%FY 2018: 0.7%FY 2019: 0.8%FY 2020: 0.6%FY 2021: 0.6%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 1.4%FY 2025: 2.6%FY 2026: 2.9%
FY 2017 5y median 1.4% FY 2026

Growth (YoY)

Revenue 20.4%
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: 20.4%
FY 2017 FY 2026
Operating Income 23.0%
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: 23.0%
FY 2017 FY 2026
EPS (diluted) 25.9%
FY 2017: 17.5%FY 2018: -25.9%FY 2019: -54.2%FY 2020: -30.6%FY 2021: 3.0%FY 2022: 85.5%FY 2023: -36.8%FY 2024: 132.0%FY 2025: 92.2%FY 2026: 25.9%
FY 2017 FY 2026
Free Cash Flow 22.0%
FY 2017: -16.9%FY 2018: -27.4%FY 2019: -11.4%FY 2020: -16.7%FY 2021: -174.5%FY 2022: 137.5%FY 2023: -27.7%FY 2024: 312.8%FY 2025: 36.7%FY 2026: 22.0%
FY 2017 FY 2026

Financial Health

Current Ratio 0.0×
FY 2017: 2.5×FY 2018: 2.3×FY 2019: 0.6×FY 2020: 65.0×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 1.0×FY 2024: 1.9×FY 2025: 1.5×FY 2026: 0.0×
FY 2017 5y median 1.0× FY 2026
Quick Ratio 0.0×
FY 2017: 2.5×FY 2018: 2.3×FY 2019: 0.6×FY 2020: 65.0×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 1.0×FY 2024: 1.9×FY 2025: 1.5×FY 2026: 0.0×
FY 2017 5y median 1.0× FY 2026
Debt / Equity 0.2×
FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×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 -3.1×
FY 2017: -2.6×FY 2018: -2.8×FY 2019: -2.2×FY 2020: -10.0×FY 2021: -4.2×FY 2022: -3.3×FY 2023: -5.0×FY 2024: -3.7×FY 2025: -1.5×FY 2026: -3.1×
FY 2017 5y median -3.3× FY 2026
Interest Coverage 67.7×
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: 67.7×
FY 2017 5y median 44.2× FY 2026

Dividends

Dividend Yield 3.9%
FY 2017: 3.3%FY 2018: 4.5%FY 2019: 4.3%FY 2020: 4.9%FY 2021: 4.6%FY 2022: 4.1%FY 2023: 4.8%FY 2024: 2.7%FY 2025: 3.8%FY 2026: 3.9%
FY 2017 5y median 3.9% FY 2026
Payout Ratio 28.6%
FY 2017: 30.0%FY 2018: 51.9%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: 28.6%
FY 2017 5y median 31.7% FY 2026

Annual · latest fiscal year ends 2026-03-31