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MS&AD Insurance Group Holdings

MSADF
64
Insurance - Property & Casualty · Financial Services
Price
$35.00
+0.00 (+0.00%)
Market Cap
$50.78B
Exchange
Other OTC
Winston Score
64
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Sep 17, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Good
Growth
Exceptional
Cash Flow
Weak
Stability
Exceptional
Valuation
Good
Dividends
Good
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Share count falling — buybacks

−99.4% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 1.66B (2022) → 9.4M (2026)

§Winston Score History

The full picture

MS&AD Insurance Group Holdings, Inc. operates as a global insurance holding company, offering a wide array of insurance and financial services. Its diverse portfolio encompasses various non-life insurance products, including coverage for fire and associated risks, marine activities, personal accidents, and both optional and mandatory automobile liabilities. The company also provides life insurance and reinsurance capabilities. Additionally, it offers specialized risk-related services. Established in 1918, the organization was previously known as Mitsui Sumitomo Insurance Group Holdings, Inc., before rebranding to its current name in April 2010. Its primary offices are situated in Tokyo, Japan.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+13.9% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+49.8% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

¥0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

¥25.2T cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

MS&AD Insurance Group Holdings is a rare growth stock that's already generating positive cash flow while growing at 14%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
39.2%
Modest — 39.2% gross margin
Profit after running costs
Operating Margin
20.2%
Excellent — 20.2% operating margin
Return on the money invested
ROCE
13.7%
Good — 13.7% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+23.4%
Fast-growing sales (+23.4% YoY)
Profit growth
EPS YoY
+31.2%
Earnings growing fast (+31.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash
Cash Conversion
0%
Weak — only 0% of profit becomes cash
Spare cash per sale
FCF Margin
0.0%
Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns
Debt / Equity
0.25
Conservative — low debt load (0.25)
Covers its interest
Interest Cover
50.54x
Comfortably covers interest (50.5x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
8.7x
Attractive valuation — P/E 8.7

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
-0.5
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
5.66%
Healthy income — 5.66% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record
Dividend Growth
-23.2%
Dividend cut (-23.2% YoY) — warning sign

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