MS&AD Insurance Group Holdings, Inc. (8725.T) stock analysis

In our weekly check, MS&AD Insurance Group Holdings, Inc. is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 18 pass, warnings: 3, red flags: 3.

About MS&AD Insurance Group Holdings, Inc.

MS&AD Insurance Group Holdings, Inc. is a Financial Services company (Insurance - Property & Casualty) based in Japan, listed on JPX as 8725.T.

What our checks show for 8725.T

Red flags

• The stock has fallen as much as 74% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 10.2 years.
• Return on capital (ROCE) is only 4%.

Warning signs

• Analysts expect earnings per share to shrink about 8.2% a year.
• Analysts expect only about 0.5% a year of growth in revenue.
• Analysts expect the net margin to shrink by 2.6 points from today's 11.3%.

Strengths

• The net margin rose by 5.9 points over 5 years, to 11.3%.
• The gross margin is 50% and has risen by 2.4 points: pricing power is holding.
• Revenue grew 15.8% a year over the last 3 years.
• Earnings per share grew 82% a year over the last 3 years.
• Net profit grew 61.8% a year over the last 3 years.
• The price is 8.7 times earnings (P/E), reasonable for its growth.

Next earnings report: 2026-11-19

Similar companies

8630.T · 8766.T · 000810.KS

Questions

What grade does MS&AD Insurance Group Holdings, Inc. (8725.T) have?

In our weekly check, MS&AD Insurance Group Holdings, Inc. is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 18 pass, warnings: 3, red flags: 3. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 8725.T stock?

This week's biggest flags for MS&AD Insurance Group Holdings, Inc.: Deep past fall, Slow recovery after falls, Low return on capital. In total 6 of 24 checks show a warning or a red flag.

What does MS&AD Insurance Group Holdings, Inc. do?

MS&AD Insurance Group Holdings, Inc. is a Financial Services company (Insurance - Property & Casualty) based in Japan, listed on JPX as 8725.T.

When does MS&AD Insurance Group Holdings, Inc. report earnings next?

The next earnings report is expected on 2026-11-19. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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