MS&AD Insurance Group (MSADF) Fair Value & Analysis
Financial Services · US · Market cap $43.4B
MS&AD Insurance Group
MSADF · US
Fair value as of: Jul 27, 2026
From 4 valuation models · updated 14 days ago
Fair value updated Jul 27, 2026, revised from $44.04 to $43.33 (−1.6%) since Jun 26, 2026. Share price +22.4% over the past month.
A solid business, screening 34% undervalued on our models.
What matters now
- Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
60‑month range $4.56 – $32.25 · fair‑value band $32.50 – $54.16 · the $32.25 price screens below the $43.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
MS&AD Insurance Group (MSADF) currently trades at $32.25, while our model-based Fair Value estimate is $43.33, implying the stock looks roughly 34.4% undervalued today. The Quality Score stands at 55/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, MS&AD Insurance Group generated revenue of $7.3T at a net margin of 10.8%. Revenue grew 18.3% year over year. It earns a return on equity of 17.8%. The balance sheet holds a net cash position of $3.9T. Fundamentals as of Jul 27, 2026
Our scenario range runs from $32.50 (bear case) to $54.16 (bull case); at $32.25, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 69% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 8% fair-value upside, at 34%, MSADF screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit ($4,722) versus Asset-Based ($2,218). Highest evidence: P/E Multiple (63).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 54 · Market factors (momentum, volatility) 81
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
MS&AD Insurance Group Holdings, Inc., an insurance holding company, engages in the provision of insurance and financial services worldwide. It offers domestic non-life insurance; life insurance; international business; financial services; and provides risk-related services. The company was formerly known as Mitsui Sumitomo Insurance Group Holdings, Inc.
Full company description
MS&AD Insurance Group Holdings, Inc., an insurance holding company, engages in the provision of insurance and financial services worldwide. It offers domestic non-life insurance; life insurance; international business; financial services; and provides risk-related services. The company was formerly known as Mitsui Sumitomo Insurance Group Holdings, Inc. and changed its name to MS&AD Insurance Group Holdings, Inc. in April 2010. MS&AD Insurance Group Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
MS&AD Insurance Group reported revenue of $7.3T in FY2026 versus $5.0T in FY2022, a compound +9.7%/yr. Reported net income was $792B in FY2026, compounding +31.8%/yr from FY2022.
Watch MSADF: get an alert when its fair value changes →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Assessing MS&AD Insurance Group Holdings (TSE:8725) Valuation After Recent Share Price Momentum
- MS&AD Insurance Group Holdings Inc (MSADF) Full Year 2026 Earnings Call Highlights: Record ...
- Dave Paulsson Appointed Strategic Advisor to MS&AD and Chairman of MS Transverse; John Fitzgerald Named CEO
- MassMutual and Barings Announce Closing of MS&AD Insurance Group Holdings’ 18% Stake in Barings
Peer Group
Insurance - Property & Casualty · 120 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $234.48 | $252.50 | +8% |
| Chubb Limited CB | $337.44 | $345.56 | +2% |
| The Travelers Companies, Inc TRV | $368.98 | $384.42 | +4% |
| The Allstate Corporation ALL | $251.61 | $503.22 | +100% |
| The People's Insurance Company 601319 | ¥7.06 | ¥13.71 | +94% |
| Intact Financial Corporation IFC | C$294.02 | C$247.44 | -16% |
| Fairfax Financial Holdings FFH | C$2,327 | C$3,252 | +40% |
| QBE Insurance Group QBE | A$25.47 | A$19.42 | -24% |
| Samsung Fire & Marine Insurance Co 000810 | 648,000 KRW | 658,771 KRW | +2% |
| Powszechny Zaklad Ubezpieczen SA PZU | 69.80 PLN | 100.85 PLN | +44% |
Compare MS&AD Insurance Group with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is MS&AD Insurance Group (MSADF) overvalued or undervalued?
What is the fair value of MSADF?
What is the quality score of MSADF?
What is the revenue of MS&AD Insurance Group (MSADF)?
What is the net profit margin of MSADF?
Does MS&AD Insurance Group pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track MS&AD Insurance Group and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.