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MS&AD Insurance Group Holdings, Inc. logo

MS&AD Insurance Group Holdings, Inc.

8725.T

JPXFinancial ServicesInsurance - Property & Casualty

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Latest quote

¥4,927

−¥18.00 · -0.36%

Aug 24, 3:30 PM JST

8725.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

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.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
JP
CEO
Shinichiro Funabiki
Listed since
Apr 1, 2008
Employees
46,856

Market position

Day range

Current ¥4,927

52-week range

Current ¥4,927

Open
¥4,905
Previous close
¥4,945
Volume
3.17M
0.71× average
Average volume
4.49M
Average daily volume
Market cap
7.15T JPY
Beta
0.28
Market reference 1
50-day average
¥4,665.38
+5.61% above average
200-day average
¥4,131.88
+19.24% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.1T JPY
EV / EBITDA
1.77×
Earnings yield
13.12%
Free cash flow yield
12.17%

Profitability & efficiency

Return on equity
16.51%
Return on assets
2.75%
Return on invested capital
2.76%

Financial health

Current ratio
0×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends61%40%20%-1%Gross margin, FY2022: 47.55%Gross margin, FY2023: 44.49%Gross margin, FY2024: 48.70%Gross margin, FY2025: 48.39%Gross margin, FY2026: 56.06%Operating margin, FY2022: 7.62%Operating margin, FY2023: 5.80%Operating margin, FY2024: 7.55%Operating margin, FY2025: 14.21%Operating margin, FY2026: 14.59%Net margin, FY2022: 5.41%Net margin, FY2023: 4.13%Net margin, FY2024: 6.03%Net margin, FY2025: 10.83%Net margin, FY2026: 10.92%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 47.55%. Gross margin FY2023 44.49%. Gross margin FY2024 48.70%. Gross margin FY2025 48.39%. Gross margin FY2026 56.06%. Operating margin FY2022 7.62%. Operating margin FY2023 5.80%. Operating margin FY2024 7.55%. Operating margin FY2025 14.21%. Operating margin FY2026 14.59%. Net margin FY2022 5.41%. Net margin FY2023 4.13%. Net margin FY2024 6.03%. Net margin FY2025 10.83%. Net margin FY2026 10.92%.

Income trends

Revenue

7.21T JPY+12.93%

Operating income

1.05T JPY+15.96%

Net income

787.34B JPY+13.83%
Income trends across reported periods7.91T JPY5.11T JPY2.31T JPY−488.89B JPYRevenue, FY2022: 4.85T JPYRevenue, FY2023: 5.11T JPYRevenue, FY2024: 6.12T JPYRevenue, FY2025: 6.38T JPYRevenue, FY2026: 7.21T JPYOperating income, FY2022: 370.03B JPYOperating income, FY2023: 296.61B JPYOperating income, FY2024: 462.26B JPYOperating income, FY2025: 907.38B JPYOperating income, FY2026: 1.05T JPYNet income, FY2022: 262.8B JPYNet income, FY2023: 211.01B JPYNet income, FY2024: 369.27B JPYNet income, FY2025: 691.66B JPYNet income, FY2026: 787.34B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 4.85T JPY. Revenue FY2023 5.11T JPY. Revenue FY2024 6.12T JPY. Revenue FY2025 6.38T JPY. Revenue FY2026 7.21T JPY. Operating income FY2022 370.03B JPY. Operating income FY2023 296.61B JPY. Operating income FY2024 462.26B JPY. Operating income FY2025 907.38B JPY. Operating income FY2026 1.05T JPY. Net income FY2022 262.8B JPY. Net income FY2023 211.01B JPY. Net income FY2024 369.27B JPY. Net income FY2025 691.66B JPY. Net income FY2026 787.34B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue7.21T JPY6.38T JPY6.12T JPY5.11T JPY4.85T JPY
Cost of goods sold3.17T JPY3.29T JPY3.14T JPY2.84T JPY2.55T JPY
Gross profit4.04T JPY3.09T JPY2.98T JPY2.27T JPY2.31T JPY
Operating expenses2.99T JPY2.18T JPY2.52T JPY1.98T JPY1.94T JPY
Interest income—495.14B JPY427.09B JPY345.47B JPY302.62B JPY
Interest expense15.54B JPY11.78B JPY10.45B JPY10.38B JPY15.48B JPY
Depreciation and amortization115.72B JPY121.92B JPY121.02B JPY106.99B JPY97.11B JPY
Operating income1.05T JPY907.38B JPY462.26B JPY296.61B JPY370.03B JPY
Net income787.34B JPY691.66B JPY369.27B JPY211.01B JPY262.8B JPY

Company facts updated Aug 24, 2026.

8725.T peers

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—

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—

Mizuho Financial Group, Inc. logo

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Tokio Marine Holdings, Inc. logo

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¥7,261

—

JAPAN POST BANK Co., Ltd. logo

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¥3,151

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ORIX Corporation logo

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¥6,209

—

ETFs holding 8725.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
15.46B
Weight
0.53%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥417.7-0.07%
iShares Core Nikkei 225 ETF logoiShares Core Nikkei 225 ETF1329.T
Market value
4.77B
Weight
0.23%
AUM
2.12T JPY
Expense ratio
0.05%
Price / 1D
¥6,789-0.77%
iShares JPX-Nikkei 400 ETF logoiShares JPX-Nikkei 400 ETF1364.T
Market value
4.54B
Weight
0.76%
AUM
592.34B JPY
Expense ratio
0.05%
Price / 1D
¥3,7610.00%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
544.06M
Weight
0.08%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
362.63M
Weight
0.11%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
268.95M
Weight
0.14%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
iShares MSCI Japan ETF logoiShares MSCI Japan ETFEWJ
Market value
154.61M
Weight
0.69%
AUM
22.49B USD
Expense ratio
0.49%
Price / 1D
$95.18+0.97%
JPMorgan BetaBuilders Japan ETF logoJPMorgan BetaBuilders Japan ETFBBJP
Market value
145.5M
Weight
0.77%
AUM
18.96B USD
Expense ratio
0.19%
Price / 1D
$76.87+0.97%

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