Company profile

MS&AD Insurance Group Holdings, Inc.

EDINET
E03854
Securities
8725
Industry
Insurance
Latest annual securities report
2026-06-30 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-09-08 Treasury Share Repurchase Status Report PDF HTML
Compare this company

Industry position

Insurance

View details
Profitability Very strong Current Top 10% 5-year trend Improving
Financial strength Strong Based on Equity ratio Current Top 25% 5-year trend Improving

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Standalone Japanese GAAP

Revenue reached ¥412.19 billion, down 3.4% year over year. Operating income was ¥393.92 billion, down 4.5% year over year. Operating margin was 95.6%. Net income was ¥440.8 billion, up 5.8% year over year. ROE was 31.4%; equity ratio was 80.2%.

Revenue ¥412.19B down 3.4% year over year
Operating income ¥393.92B down 4.5% year over year
Net income ¥440.8B up 5.8% year over year
Total assets¥1.75T
Total equity—
Operating cash flow—
Free cash flow—

Industry position details

Insurance

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Very strong

Operating margin Top 20% / ROE Top 17%

Financial strength Strong
Based on Equity ratio

Equity ratio Top 34%

Profitability Industry position history Improving
2026 Top 10% 2025 Top 27% 2024 Bottom 29% 2023 Bottom 36% 2022 Top 50%
Financial strength Industry position history Improving
2026 Top 25% 2025 Bottom 20% 2024 Bottom 22% 2023 Bottom 22% 2022 Bottom 22%
Growth Industry position history Broadly stable
2025 Bottom 48% 2024 Top 50% 2023 Bottom 24% 2022 Bottom 41%
Profitability Operating margin 95.6% Industry median 75.8% Top 20% Comparison sample 10
Profitability ROE 31.4% Industry median 13.1% Top 17% Comparison sample 12
Financial strength Equity ratio 80.2% Industry median 66.6% Top 34% Comparison sample 12

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Standalone Japanese GAAP 412193000000 393921000000 405330000000 440800000000 1752747000000 347638000000 1405109000000 1356315000000 1405109000000 295.76 13.63 4031.2088 967.14 160.0 0.8016610498 0.8016 0.313712317 0.2514909454 0.9556712511 0.9833500326 1.0694019549 0.5409791723 -0.0340094445 -0.0448107546 -0.0434690265 0.0583535016 0.0342093617 0.0203672747 0.1037468279 0.1034482759 0.055187638 0.0822283923 478 12376260
FY2025 Consolidated Japanese GAAP 5282979000000 928989000000 691657000000 691657000000 -17284000000 26241298000000 22188463000000 4052835000000 2296271000000 4052835000000 660188000000 -558725000000 -659578000000 101463000000 2239475000000 445.52 7.24 3225.5648 5187994256890.2784 2647.01 1608398708 0.1544449135 0.1524 0.1706600441 0.0263575758 0.1758456734 0.1309217773 0.1249651002 0.0192056414 0.0572331001 1.2307871482 0.8730589873 -0.0266655594 -0.102076143 0.2015083736 -1.0183328818 -1.8485460961 -0.627851277 -0.180807752 0.9217530087 2.0003441855 -0.0037508791 38247
FY2024 Consolidated Japanese GAAP 4996986000000 416440000000 369266000000 369266000000 1527696000000 26960207000000 22446645000000 4513562000000 2043464000000 4513562000000 549466000000 -276825000000 -231549000000 272641000000 2733760000000 231.83 11.69 2710.0927 1452803187818.7800 2817.0 536071400 0.1674157027 0.1657 0.0818125463 0.0136967049 0.0833382363 0.0738977456 0.1099594836 0.0545610894 0.138770917 0.8018891192 1.2860521265 0.0783896023 0.4768189884 1.830067009 -1.5755759918 0.2637598489 -0.5961508267 0.0329987821 -0.2267178119 0.0001941406 -0.0050020734 38391
FY2023 Consolidated Japanese GAAP 4388052000000 231113000000 161530000000 161530000000 -80923000000 25000433000000 21944159000000 3056273000000 1745220000000 3056273000000 194153000000 480953000000 -314502000000 675106000000 2646431000000 299.8 13.7 4107.26 2201357245639.22 5633.94 535967347 0.1222488027 0.1204 0.052851954 0.0064610881 0.0526687013 0.0368113231 0.0442458294 0.1538509571 0.0627167397 -0.408159816 -0.3853477372 -0.001334713 -0.07462753 -0.1797784612 7.6821301545 -6.3719702793 3.0982079984 0.1729510827 -0.3682036584 -0.0971400758 -0.0344827586 38584
FY2022 Consolidated Japanese GAAP 4129089000000 390499000000 262799000000 262799000000 310470000000 25033846000000 21731096000000 3302749000000 1745644000000 3302749000000 236708000000 -71976000000 58545000000 164732000000 2256216000000 474.52 8.38 3976.4776 2360567893684.7416 5955.21 593632891 0.1319313461 0.1302 0.0795697766 0.0104977477 0.0945726769 0.0636457582 0.057326931 0.039895483 0.2517420636 0.2739589722 0.8199628804 0.0369175401 0.0563195771 1.73077873 -2.6386112692 -0.2615227428 1.588355888 0.1312562862 0.8551155245 0.0002690669 -0.0370834438 39962
FY2021 Consolidated Japanese GAAP 3298674000000 306524000000 144398000000 144398000000 753938000000 24142562000000 21015905000000 3126657000000 1613287000000 3126657000000 -323912000000 43925000000 79278000000 -279987000000 1994434000000 255.79 12.7 3248.533 1927917297555.331 5525.42 593473207 0.1295080862 0.1278 0.046182872 0.0059810554 0.0929233989 0.0437745591 -0.0981946079 -0.0848786512 -0.2697933991 0.943703591 0.009564427 0.0407867064 0.2536525105 -1.4849737085 1.1329598048 0.2136678863 -1.8295100035 -0.0928948278 0.0299162506 0.0003058411 -0.0019479583 41501
FY2020 Consolidated Japanese GAAP 4517453000000 157701000000 143030000000 143030000000 -157288000000 23196455000000 20702416000000 2494038000000 1588199000000 2494038000000 667896000000 -330363000000 65321000000 337533000000 2198680000000 248.36 12.18 3025.0248 1794722269485.4992 4308.37 593291754 0.1075180669 0.1057 0.0573487653 0.0061660284 0.034909273 0.0316616465 0.1478479134 0.0747175455 -0.0558023976 -0.4577870839 -0.2577774318 0.0027630344 -0.1022333315 -0.1401115454 -0.3087985358 2.9594144644 -0.3562302239 0.2224899723 -0.2444633731 0.0 0.0027732896 41582
FY2019 Consolidated Japanese GAAP 4784436000000 290847000000 192705000000 192705000000 -79701000000 23132539000000 20354492000000 2778047000000 1583013000000 2778047000000 776724000000 -252417000000 -33337000000 524307000000 1798526000000 328.72 10.25 3369.3800 1999025370092.5200 4712.11 593291754 0.1200926107 0.1189 0.0693670769 0.0083304734 0.0607902373 0.0402774747 0.1623439001 0.1095859575 0.0633840491 0.3748510976 0.2508681852 0.0293514058 -0.0641223668 -0.0558154235 0.7379133116 -1.7875688063 4.7326522621 0.3589103487 0.2641132134 0.0041651532 41467
FY2018 Consolidated Japanese GAAP 4499255000000 211548000000 154057000000 154057000000 311096000000 22472927000000 19504540000000 2968387000000 1500765000000 2968387000000 822640000000 -963105000000 42329000000 -140465000000 1323506000000 260.04 12.9 3354.516 4964.64 0.1320872444 0.1309 0.0518992301 0.0068552263 0.0470184508 0.0342405576 0.1828391589 -0.031219613 -0.0346098191 -0.4000544508 -0.2679534515 0.058331426 0.0855589022 -0.2431652664 -0.566281617 1.422453542 -1.2975644478 -0.0652565889 -0.2590186357 0.0160921237 41295
FY2017 Consolidated Japanese GAAP 4660556000000 352612000000 210447000000 210447000000 114294000000 21234300000000 18499867000000 2734432000000 1425285000000 2734432000000 1086948000000 -614899000000 -100198000000 472049000000 1415903000000 350.94 10.09 3540.9846 4572.82 0.1287742944 0.1276 0.07696187 0.0099107105 0.0756587841 0.0451549128 0.2332228172 0.1012859839 0.0508422984 0.2093230628 0.1593853985 0.0458366375 0.0033603961 -0.1580684065 0.4951485246 -1.503317845 5.463148815 0.3403006606 0.1748125335 0.0005908856 40641

Source filings

Select a document type to load the filings list.

Select a filing type to load the list.

Document filter

Select filing types

Choose the filing types to display.

Filing types containing financial data are selected by default.

Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp