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MS&AD Insurance Group Holdings, Inc. (8725) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

MS&AD Insurance Group Holdings, Inc.

8725Market cap $44BPrice $30.8

Country🇯🇵Japan

SectorFinancials

IndustryInsurance

Operates property, casualty, and life insurance businesses across Japan and Asia, protecting millions of customers from financial risks. Japan's third-largest insurance group by premium income, covering everything from natural disasters to cyber attacks.

In Bastion Portfolios?

52W Return+45%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%4

Revenue Forecast

Rev CAGR (1y)+9%6

Rev CAGR (3y)+8%6

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1-11%3

EPS Growth Y+2+5%5

EPS Growth Y+3+5%5

Quality

Margins

EBIT Margin16%6

Net Income Margin12%6

Free Cash Flow Margin12%6

Debt

Net Debt/EBITDA-0.310

Efficiency

ROE16%7

ROA3%5

Earnings Stability77

GEAR+VERY STRONG95

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)108

P/E Ratio (Forward 3y)98

P/BV1.19

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-4%5

3 month return+9%8

YTD return+37%9

Mid term

Price vs 52wHigh93%9

1 year return+52%9

Long term

3 year return+202%9

5 year return+387%10

Risk Shield

Price Risk

Beta0.86

Volatility27%8

Free Cash Flow

Free Cash Flow Margin12%6

Free Cash Flow Yield0.0%10

Quality

ROCE5%5

Earnings Stability77

Net Debt/EBITDA-0.310

02Growth

Is it actually growing, and how fast?

8725MS&AD Insurance Group Holdings

Revenue FY26$46.1B

GROWTH RATING↗

AVERAGE51 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y+9%6

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-11%3

EPS growth, FY28E+5%5

EPS growth, FY29E+5%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 3%/yr over the last 3 years and is set to grow 8%/yr from here.

WATCH

A mid-pack grower, ahead of 51% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow in step with sales (EPS about 5%/yr vs revenue 8%/yr). One year dips: EPS falls 11% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A middle-of-the-pack grower that's speeding up. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG91 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%5

3-month return+9%8

YTD return+37%9

MID & LONG-TERM▾SCORE

% of 52-week high93%9

1-year return+52%9

3-year return+202%9

5-year return+387%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +202% over three years and +387% over five, ahead of 90% of the market.

It's up 52% over the past year, now 7% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+9%) and so far this year (+37%).

WATCH

Returns sit at the market level over the past month (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on MS&AD. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

8725MS&AD Insurance Group Holdings

Revenue FY26$46.1B

GROWTH RATING↗

AVERAGE51 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y+9%6

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-11%3

EPS growth, FY28E+5%5

EPS growth, FY29E+5%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 3%/yr over the last 3 years and is set to grow 8%/yr from here.

WATCH

A mid-pack grower, ahead of 51% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow in step with sales (EPS about 5%/yr vs revenue 8%/yr). One year dips: EPS falls 11% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A middle-of-the-pack grower that's speeding up. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG91 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%5

3-month return+9%8

YTD return+37%9

MID & LONG-TERM▾SCORE

% of 52-week high93%9

1-year return+52%9

3-year return+202%9

5-year return+387%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +202% over three years and +387% over five, ahead of 90% of the market.

It's up 52% over the past year, now 7% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+9%) and so far this year (+37%).

WATCH

Returns sit at the market level over the past month (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on MS&AD. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community