Full text
Earnings transcript
Read the complete earnings call transcript.
8725
8725.T
MS&AD Insurance Group Holdings, Inc.
$4552
-45
(-0.98%)
| Exchange: | JPX |
| Market Cap: | 6.605T |
| Shares Outstanding: | 1.694B |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Property & Casualty | |||||
| CEO: | Shinichiro Funabiki | |||||
| Full Time Employees: | 38391 | |||||
| Address: |
| |||||
| Website: | https://www.ms-ad-hd.com |
MS&AD Insurance Group Holdings, Inc. operates as a global insurance conglomerate, offering a diverse array of insurance and financial services. Its portfolio includes extensive non-life coverage, such as policies for fire, marine, personal accidents, and both optional and mandatory automobile liabilities, among other general insurance products. The company also underwrites life insurance and provides vital reinsurance and risk-related consultancy services. Founded in 1918 and headquartered in Tokyo, Japan, the firm changed its name from Mitsui Sumitomo Insurance Group Holdings, Inc. to its current designation in April 2010.
Click to read more…
Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
Login — it's freeIncome Statement
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Revenue | 6,120,143,000 | 6,384,345,000 | 7,209,965,000 |
| Gross Profit | 2,980,321,000 | 3,089,598,000 | 4,041,628,000 |
| EBITDA | 593,735,000 | 1,041,082,000 | 1,183,499,000 |
| Operating Income | 462,263,000 | 907,382,000 | 1,052,242,000 |
| Net Income | 369,267,000 | 691,657,000 | 787,339,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Total Assets | 26,960,207,000 | 26,241,298,000 | 28,640,815,000 |
| Total Liabilities | 22,446,645,000 | 22,188,459,000 | 0 |
| Total Stockholders Equity | 4,467,182,000 | 4,000,618,000 | 4,769,215,000 |
| Total Debt | 744,137,000 | 831,393,000 | 998,406,000 |
| Cash and Cash Equivalents | 2,911,347,000 | 4,803,129,000 | 4,903,698,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Operating Cash Flow | 549,466,000 | 660,188,000 | 0 |
| Capital Expenditure | -22,877,000 | -25,199,000 | 0 |
| Free Cash Flow | 526,589,000 | 634,989,000 | 0 |
| Net Income | 369,267,000 | 691,657,000 | 787,339,000 |
| Net Change in Cash | 393,279,000 | -357,319,000 | 312,631,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 6,896,156,903.851 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 7,841,947,771.022 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 7,371,200,000 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 833,991,920.087 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 948,371,849.708 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 891,441,614.084 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 644,622,185.318 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 761,978,258.769 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 703,566,709.472 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 472.600 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 511.840 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 433.010 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
Login — it's freeSWOT Analysis
At what price to buy it? -
Intrinsic Value Calculator
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about 8725.T valuation
Is MS&AD Insurance Group Holdings, Inc. (8725.T) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for MS&AD Insurance Group Holdings, Inc. (8725.T) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is 8725.T a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether 8725.T trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is 8725.T’s P/E ratio?
You can see 8725.T’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for 8725.T?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is 8725.T a good long-term investment?
Whether 8725.T fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
8725.T
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.98
Trading Metrics:
| Open: | 4578 | Previous Close: | 4597 | |
| Day Low: | 4516 | Day High: | 4590 | |
| Year Low: | 3069 | Year High: | 4706 | |
| Price Avg 50: | 4174.32 | Price Avg 200: | 3810.27 | |
| Volume: | 3.445M | Average Volume: | 4.146M |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's free