Stock 8725 MS&AD INSURANCE GROUP HOLDINGS, INC.
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Financials MS&AD Insurance Group Holdings, Inc.

Equities

8725

JP3890310000

Property & Casualty Insurance

Market Closed - Japan Exchange
Other stock markets
 02:00:00 2024-04-26 am EDT 		5-day change 1st Jan Change
2,775 JPY +0.47% Intraday chart for MS&AD Insurance Group Holdings, Inc. +3.58% +50.11%
Apr. 26 MS&AD Insurance Group Holdings, Inc. Announces Board Changes CI
Apr. 01 MS&AD Insurance Raises Fiscal 2024 Attributable Profit Forecast by 70 Billion Yen MT

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,967,119 1,721,378 1,813,639 2,177,752 2,193,722 4,399,423 - -
Enterprise Value (EV) 1 1,967,119 2,530,471 2,622,732 2,960,654 2,193,722 4,399,423 4,399,423 4,399,423
P/E ratio 10.3 x 12.2 x 12.7 x 8.38 x 13.7 x 13.5 x 10.8 x 9.5 x
Yield 4.15% 4.96% 4.77% 4.52% 4.87% 2.9% 3.43% 3.86%
Capitalization / Revenue 0.36 x 0.33 x 0.37 x 0.42 x 0.42 x 0.75 x 0.77 x 0.75 x
EV / Revenue 0.36 x 0.33 x 0.37 x 0.42 x 0.42 x 0.75 x 0.77 x 0.75 x
EV / EBITDA - - - - - - - -
EV / FCF 2,961,334 x 3,106,026 x -4,347,328 x 14,218,438 x 19,913,602 x - - -
FCF Yield 0% 0% -0% 0% 0% - - -
Price to Book 0.72 x 0.7 x 0.59 x 0.67 x 0.73 x 1.13 x 1.09 x 1.06 x
Nbr of stocks (in thousands) 1,751,145 1,707,151 1,674,644 1,642,347 1,602,817 1,585,378 - -
Reference price 2 1,123 1,008 1,083 1,326 1,369 2,775 2,775 2,775
Announcement Date 5/20/19 5/20/20 5/20/21 5/20/22 5/19/23 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 5,500,438 5,168,361 4,892,244 5,132,042 5,251,271 5,868,200 5,712,660 5,856,840
EBITDA - - - - - - - -
EBIT 1 - - 201,727 370,027 235,456 463,191 460,691 459,109
Operating Margin - - 4.12% 7.21% 4.48% 7.89% 8.06% 7.84%
Earnings before Tax (EBT) 1 279,842 12,505 201,727 370,027 235,456 426,047 547,873 624,071
Net income 1 192,705 143,030 144,398 262,799 161,530 332,429 393,997 458,467
Net margin 3.5% 2.77% 2.95% 5.12% 3.08% 5.66% 6.9% 7.83%
EPS 2 109.6 82.79 85.26 158.2 99.93 205.6 256.8 292.2
Free Cash Flow 664,268 554,206 -417,185 153,164 110,162 - - -
FCF margin 12.08% 10.72% -8.53% 2.98% 2.1% - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) 344.71% 387.48% - 58.28% 68.2% - - -
Dividend per Share 2 46.67 50.00 51.67 60.00 66.67 80.59 95.05 107.0
Announcement Date 5/20/19 5/20/20 5/20/21 5/20/22 5/19/23 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2020 S1 2021 S1 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 S1 2024 Q3
Net sales 1 2,856,423 2,734,493 2,551,183 1,186,962 1,393,897 1,314,730 1,508,885 2,823,615 1,196,056 - 1,975,937 - 3,628,542 1,319,249
EBITDA - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 27,519 112,697 175,759 111,455 - 85,343 - -28,209 166,165 - 150,429 - 120,354 255,750
Net income 1 163,559 96,630 124,824 79,793 58,182 60,426 -94,003 -33,577 121,527 73,580 111,617 -24,106 87,511 194,085
Net margin 5.73% 3.53% 4.89% 6.72% 4.17% 4.6% -6.23% -1.19% 10.16% - 5.65% - 2.41% 14.71%
EPS 2 94.01 56.89 74.75 48.02 35.40 36.84 -57.44 -20.60 74.86 45.67 69.69 -14.92 54.76 121.8
Dividend per Share 2 25.00 25.00 27.50 - 32.50 - 33.33 33.33 - 33.33 - 40.00 40.00 -
Announcement Date 11/19/19 11/19/20 11/19/21 2/14/22 5/20/22 8/5/22 11/18/22 11/18/22 2/14/23 5/19/23 8/8/23 11/17/23 11/17/23 2/14/24
1JPY in Million2JPY
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - 809,093 809,093 782,902 - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow 664,268 554,206 -417,185 153,164 110,162 - - -
ROE (net income / shareholders' equity) 6.8% 5.5% 5.2% 8.3% 5.2% 9.35% 11.1% 12.3%
ROA (Net income/ Total Assets) 1.28% 0.68% 1.3% 1.59% 0.92% 1.56% 1.74% 1.89%
Assets 1 15,108,311 21,009,416 11,150,253 16,547,388 17,485,008 21,359,794 22,689,153 24,219,067
Book Value Per Share 2 1,571 1,436 1,842 1,985 1,878 2,466 2,543 2,629
Cash Flow per Share 143.0 121.0 128.0 209.0 158.0 - - -
Capex 112,456 113,690 93,273 83,544 83,991 - - -
Capex / Sales 2.04% 2.2% 1.91% 1.63% 1.6% - - -
Announcement Date 5/20/19 5/20/20 5/20/21 5/20/22 5/19/23 - - -
1JPY in Million2JPY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for MS&AD Insurance Group Holdings, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
11
Last Close Price
2,775 JPY
Average target price
2,650 JPY
Spread / Average Target
-4.50%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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