MS&AD Insurance Group Holdings, Inc.
MS&AD Insurance Group Holdings, Inc. Fundamental Analysis
MS&AD Insurance Group Holdings, Inc. (MSADY) shows strong financial fundamentals with a PE ratio of 7.78, profit margin of 10.29%, and ROE of 23.60%. The company generates $7761.9B in annual revenue with moderate year-over-year growth of 4.32%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 49.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze MSADY's fundamental strength across five key dimensions:
Efficiency Score
WeakMSADY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentMSADY trades at attractive valuation levels.
Growth Score
ModerateMSADY shows steady but slowing expansion.
Financial Health Score
ModerateMSADY shows balanced financial health with some risks.
Profitability Score
WeakMSADY struggles to sustain strong margins.
Key Financial Metrics
Is MSADY Expensive or Cheap?
P/E Ratio
MSADY trades at 7.78 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, MSADY's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values MS&AD Insurance Group Holdings, Inc. at 1.30 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 12.95 times EBITDA. This signals the market has high growth expectations.
How Well Does MSADY Make Money?
Net Profit Margin
For every $100 in sales, MS&AD Insurance Group Holdings, Inc. keeps $10.29 as profit after all expenses.
Operating Margin
Core operations generate 30.90 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $23.60 in profit for every $100 of shareholder equity.
ROA
MS&AD Insurance Group Holdings, Inc. generates $2.77 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
MS&AD Insurance Group Holdings, Inc. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
MS&AD Insurance Group Holdings, Inc. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
MSADY converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.78
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.002
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.30
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.80
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.21
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.24
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How MSADY Stacks Against Its Sector Peers
| Metric | MSADY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.78 | 19.26 | Better (Cheaper) |
| ROE | 23.60% | 804.00% | Weak |
| Net Margin | 10.29% | -7852.00% (disorted) | Strong |
| Debt/Equity | 0.21 | 1.03 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 612.53 | Weak Liquidity |
| ROA | 2.77% | -21016.00% (disorted) | Weak |
MSADY outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews MS&AD Insurance Group Holdings, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
41.80%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
438.15%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
10.00%
Industry Style: Value, Dividend, Cyclical
High Growth