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
 11:30:00 26/04/2024 am IST 		5-day change 1st Jan Change
2,775 JPY +0.47% Intraday chart for MS&AD Insurance Group Holdings, Inc. +3.58% +50.11%
26/04 MS&AD Insurance Group Holdings, Inc. Announces Board Changes CI
01/04 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 19,67,119 17,21,378 18,13,639 21,77,752 21,93,722 43,99,423 - -
Enterprise Value (EV) 1 19,67,119 25,30,471 26,22,732 29,60,654 21,93,722 43,99,423 43,99,423 43,99,423
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 29,61,334 x 31,06,026 x -43,47,328 x 1,42,18,438 x 1,99,13,602 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) 17,51,145 17,07,151 16,74,644 16,42,347 16,02,817 15,85,378 - -
Reference price 2 1,123 1,008 1,083 1,326 1,369 2,775 2,775 2,775
Announcement Date 20/05/19 20/05/20 20/05/21 20/05/22 19/05/23 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 55,00,438 51,68,361 48,92,244 51,32,042 52,51,271 58,68,200 57,12,660 58,56,840
EBITDA - - - - - - - -
EBIT 1 - - 2,01,727 3,70,027 2,35,456 4,63,191 4,60,691 4,59,109
Operating Margin - - 4.12% 7.21% 4.48% 7.89% 8.06% 7.84%
Earnings before Tax (EBT) 1 2,79,842 12,505 2,01,727 3,70,027 2,35,456 4,26,047 5,47,873 6,24,071
Net income 1 1,92,705 1,43,030 1,44,398 2,62,799 1,61,530 3,32,429 3,93,997 4,58,467
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 6,64,268 5,54,206 -4,17,185 1,53,164 1,10,162 - - -
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 20/05/19 20/05/20 20/05/21 20/05/22 19/05/23 - - -
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 28,56,423 27,34,493 25,51,183 11,86,962 13,93,897 13,14,730 15,08,885 28,23,615 11,96,056 - 19,75,937 - 36,28,542 13,19,249
EBITDA - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 27,519 1,12,697 1,75,759 1,11,455 - 85,343 - -28,209 1,66,165 - 1,50,429 - 1,20,354 2,55,750
Net income 1 1,63,559 96,630 1,24,824 79,793 58,182 60,426 -94,003 -33,577 1,21,527 73,580 1,11,617 -24,106 87,511 1,94,085
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 19/11/19 19/11/20 19/11/21 14/02/22 20/05/22 05/08/22 18/11/22 18/11/22 14/02/23 19/05/23 08/08/23 17/11/23 17/11/23 14/02/24
1JPY in Million2JPY
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - 8,09,093 8,09,093 7,82,902 - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow 6,64,268 5,54,206 -4,17,185 1,53,164 1,10,162 - - -
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 1,51,08,311 2,10,09,416 1,11,50,253 1,65,47,388 1,74,85,008 2,13,59,794 2,26,89,153 2,42,19,067
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 1,12,456 1,13,690 93,273 83,544 83,991 - - -
Capex / Sales 2.04% 2.2% 1.91% 1.63% 1.6% - - -
Announcement Date 20/05/19 20/05/20 20/05/21 20/05/22 19/05/23 - - -
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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