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MS&AD Insurance Group Holdings Inc 8725

Stock XTKS
¥‎3,361.00 −64.00 (1.87%)
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As of Delayed Price Closed

Company Report

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MS&AD Shares Adjust for 1:3 Split, No Changes to Our Earnings and Valuation Oultook

Lorraine Tan

We think Japan’s nonlife insurance sector has more appeal as a long-term investment than most other areas of Japanese finance because industrywide return on assets, or ROA, has roughly doubled after the last round of industry consolidation in 2010. Three firms—Tokio Marine, MS&AD, and Sompo—control around 88% of the market, and only three others (AIG, the nonlife unit of an agricultural cooperative insurer, and Sony Assurance) have even 1% shares.

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Bulls Say, Bears Say

Bulls

MS&AD trades at a steeper discount to adjusted book value than its closest peers.

Bears

We believe MS&AD has less excess capital than Tokio Marine and Sompo.

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Trading Information

Previous Close Price
¥‎3,425.00
Day Range
¥‎3,331.00–3,414.00
52-Week Range
¥‎1,646.67–4,018.00
Bid/Ask
¥‎3,360.00 / ¥‎3,367.00
Market Cap
¥‎5.29 Tril
Volume/Avg
5.8 Mil / 5.7 Mil

Key Statistics

Price/Earnings (Normalized)
12.88
Price/Sales
0.85
Dividend Yield (Trailing)
2.68%
Dividend Yield (Forward)
2.98%
Total Yield
3.25%

Company Profile

MS&AD is Japan’s second-biggest nonlife insurer, trailing industry leader Tokio Marine in the scale of global operations although not in Japan. Like Tokio Marine and Sompo, MS&AD has grown into a second-tier presence in the domestic life insurance market since life and non-life insurance were mutually deregulated in 1996. Overseas, it is less focused on the US market than its two Japanese rivals and more focused on emerging Asia, but its acquisition of Lloyd’s syndicate Amlin in 2017 has increased its exposure to the European and North American markets. MS&AD has historical business connections with the Mitsui and Sumitomo groups (the ‘MS’ in the company name) and has a long-term partnership with Toyota Motor that is advantageous in acquiring auto insurance customers.
Sector
Financial Services
Industry
Insurance - Property & Casualty
Stock Style Box
Large Growth
Total Number of Employees
44,839
Website
http://www.ms-ad-hd.com

Competitors

Valuation

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Metric
8725
8766
8750
Price/Earnings (Normalized)
 12.8816.1919.43
Price/Book Value
 1.192.121.06
Price/Sales
 0.851.560.40
Price/Cash Flow
 —20.65—
Price/Earnings
8725
8766
8750

Financial Strength

Metric
8725
8766
8750
Quick Ratio
 ———
Current Ratio
 ———
Interest Coverage
 45.2232.6011.76
Quick Ratio
No chart available

Profitability

Metric
8725
8766
8750
Return on Assets (Normalized)
 1.62%2.89%0.83%
Return on Equity (Normalized)
 11.22%19.62%17.22%
Return on Invested Capital (Normalized)
 9.50%19.06%11.19%
Return on Assets
8725
8766
8750
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