8725.T
MS&AD Insurance Group Holdings, Inc.
06:30:00
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0.0000 (%0.00)
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8725.T: MS&AD Insurance Group Holdings, Inc. Financials
MS&AD Insurance Group Holdings, Inc. Income Statement
Total revenue
Net income
Gross margin TTM
56.06%
Operating margin TTM
14.59%
Net profit margin TTM
10.92%
Return on investment TTM
16.51%
| Period end | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| Total revenue | 7,209,965,000,000 | 6,384,345,000,000 | 6,120,143,000,000 | 5,109,785,000,000 |
| Operating income | 1,052,242,000,000 | 907,382,000,000 | 462,263,000,000 | 296,605,000,000 |
| Net income | 787,339,000,000 | 691,657,000,000 | 369,267,000,000 | 211,006,000,000 |
All line items
| Line item | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| Total revenue | 7,209,965,000,000 | 6,384,345,000,000 | 6,120,143,000,000 | 5,109,785,000,000 |
| Cost of revenue | 3,168,337,000,000 | 3,294,747,000,000 | 3,139,822,000,000 | 2,836,596,000,000 |
| Gross profit | 4,041,628,000,000 | 3,089,598,000,000 | 2,980,321,000,000 | 2,273,189,000,000 |
| Research and development expenses | 0 | 0 | 0 | 0 |
| General and administrative expenses | 0 | 0 | 0 | 0 |
| Selling and marketing expenses | 0 | 0 | 0 | 0 |
| Selling, general and administrative expenses | 0 | 0 | 0 | 0 |
| Other expenses | 2,989,386,000,000 | 2,182,216,000,000 | 2,518,058,000,000 | 1,976,584,000,000 |
| Operating expenses | 2,989,386,000,000 | 2,182,216,000,000 | 2,518,058,000,000 | 1,976,584,000,000 |
| Cost and expenses | 6,157,723,000,000 | 5,476,963,000,000 | 5,657,880,000,000 | 4,813,180,000,000 |
| Net interest income | -15,539,000,000 | 483,355,000,000 | 416,632,000,000 | 335,085,000,000 |
| Interest income | 0 | 495,138,000,000 | 427,085,000,000 | 345,468,000,000 |
| Interest expense | 15,539,000,000 | 11,783,000,000 | 10,453,000,000 | 10,383,000,000 |
| Depreciation and amortization | 115,718,000,000 | 121,917,000,000 | 121,019,000,000 | 106,993,000,000 |
| EBITDA | 1,183,499,000,000 | 1,041,082,000,000 | 593,735,000,000 | 413,981,000,000 |
| EBIT | 1,067,781,000,000 | 919,165,000,000 | 472,716,000,000 | 306,988,000,000 |
| Non-operating income (excl. interest) | -15,539,000,000 | -11,783,000,000 | -10,453,000,000 | -10,383,000,000 |
| Operating income | 1,052,242,000,000 | 907,382,000,000 | 462,263,000,000 | 296,605,000,000 |
| Total other income/expenses (net) | 0 | 0 | 0 | 0 |
| Income before tax | 1,052,242,000,000 | 907,382,000,000 | 462,263,000,000 | 296,605,000,000 |
| Income tax expense | 260,377,000,000 | 210,724,000,000 | 89,443,000,000 | 82,014,000,000 |
| Net income from continuing operations | 791,865,000,000 | 696,658,000,000 | 372,820,000,000 | 214,591,000,000 |
| Net income from discontinued operations | 0 | 0 | 0 | 0 |
| Other adjustments to net income | -1,000,000 | 0 | 0 | 0 |
| Net income | 787,339,000,000 | 691,657,000,000 | 369,267,000,000 | 211,006,000,000 |
| Net income deductions | 0 | 0 | 1,000,000 | 0 |
| Bottom line net income | 787,339,000,000 | 691,657,000,000 | 369,266,000,000 | 211,006,000,000 |
| EPS | 529 | 446 | 232 | 100 |
| Diluted EPS | 529 | 445 | 232 | 100 |
| Weighted average shares outstanding | 1,488,715,000 | 1,552,439,000 | 1,593,189,000 | 1,616,375,000 |
| Weighted average diluted shares outstanding | 1,488,715,000 | 1,552,693,000 | 1,593,189,000 | 1,616,894,000 |
MS&AD Insurance Group Holdings, Inc. Balance Sheet
Total assets
Total liabilities & equity
Liquidity ratio MRQ
—
Current ratio MRQ
—
Long-term debt / assets MRQ
998,406,000,000%
Total debt / assets MRQ
—
| Period end | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| Total assets | 28,640,815,000,000 | 26,241,298,000,000 | 26,960,207,000,000 | 24,349,984,000,000 |
| Total liabilities | 23,815,670,000,000 | 22,188,459,000,000 | 22,446,645,000,000 | 21,210,483,000,000 |
| Total equity | 4,769,215,000,000 | 4,000,618,000,000 | 4,467,182,000,000 | 3,092,117,000,000 |
All line items
| Line item | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| Cash and cash equivalents | 4,903,698,000,000 | 4,803,129,000,000 | 2,911,347,000,000 | 2,771,981,000,000 |
| Short-term investments | 0 | 0 | 0 | 0 |
| Cash and short-term investments | 4,903,698,000,000 | 2,139,796,000,000 | 2,911,347,000,000 | 2,771,981,000,000 |
| Net receivables | 0 | 0 | 0 | 0 |
| Accounts receivable | 0 | 0 | 0 | 0 |
| Other receivables | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 |
| Prepaid expenses | 0 | 0 | 0 | 0 |
| Other current assets | 0 | 2,964,653,000,000 | 2,494,962,000,000 | 0 |
| Total current assets | 4,903,698,000,000 | 5,104,449,000,000 | 5,406,309,000,000 | 2,771,981,000,000 |
| Property, plant and equipment (net) | 447,859,000,000 | 456,461,000,000 | 465,661,000,000 | 476,711,000,000 |
| Goodwill | 126,666,000,000 | 133,142,000,000 | 141,446,000,000 | 143,247,000,000 |
| Intangible assets | 327,070,000,000 | 344,885,000,000 | 349,064,000,000 | 352,877,000,000 |
| Goodwill and intangible assets | 453,736,000,000 | 478,027,000,000 | 490,510,000,000 | 496,124,000,000 |
| Long-term investments | 20,900,545,000,000 | 17,760,073,000,000 | 18,166,668,000,000 | 16,149,338,000,000 |
| Tax assets | 38,598,000,000 | 64,759,000,000 | 59,388,000,000 | 122,822,000,000 |
| Other non-current assets | 1,896,379,000,000 | 7,481,978,000,000 | 2,009,885,000,000 | -16,272,160,000,000 |
| Total non-current assets | 23,737,117,000,000 | 26,241,298,000,000 | 21,192,112,000,000 | 972,835,000,000 |
| Other assets | 0 | 20,837,891,000,000 | 361,786,000,000 | 21,255,617,000,000 |
| Total assets | 28,640,815,000,000 | 26,241,298,000,000 | 26,960,207,000,000 | 24,349,984,000,000 |
| Total payables | 0 | 0 | 0 | 0 |
| Accounts payable | 0 | 0 | 0 | 0 |
| Other payables | 0 | 0 | 0 | 0 |
| Accrued expenses | 0 | 42,104,000,000 | 34,189,000,000 | 28,444,000,000 |
| Short-term debt | 0 | 240,828,000,000 | 6,370,000,000 | 106,359,000,000 |
| Capital lease obligations (current) | 0 | 0 | 0 | 0 |
| Tax payables | 0 | 0 | 0 | 0 |
| Deferred revenue | 0 | 0 | 0 | 0 |
| Other current liabilities | 0 | 3,018,222,000,000 | 2,850,622,000,000 | 2,561,556,000,000 |
| Total current liabilities | 0 | 3,301,154,000,000 | 2,891,181,000,000 | 2,696,359,000,000 |
| Long-term debt | 998,406,000,000 | 590,565,000,000 | 715,045,000,000 | 714,743,000,000 |
| Capital lease obligations (non-current) | 0 | 0 | 22,722,000,000 | 0 |
| Deferred revenue (non-current) | 0 | 0 | 16,313,226,000,000 | 683,566,000,000 |
| Deferred tax liabilities (non-current) | 183,486,000,000 | 37,711,000,000 | 370,837,000,000 | 31,177,000,000 |
| Other non-current liabilities | 22,633,778,000,000 | 21,597,900,000,000 | -1,085,882,000,000 | -714,743,000,000 |
| Total non-current liabilities | 23,815,670,000,000 | 22,188,465,000,000 | 19,553,442,000,000 | 714,743,000,000 |
| Other liabilities | 0 | 18,646,477,000,000 | 2,022,000,000 | 18,514,119,000,000 |
| Capital lease obligations | 0 | 0 | 22,722,000,000 | 0 |
| Total liabilities | 23,815,670,000,000 | 22,188,459,000,000 | 22,446,645,000,000 | 21,210,483,000,000 |
| Treasury stock | -150,623,000,000 | -285,533,000,000 | -36,841,000,000 | -6,662,000,000 |
| Preferred stock | 0 | 0 | 0 | 0 |
| Common stock | 101,367,000,000 | 101,367,000,000 | 101,076,000,000 | 100,808,000,000 |
| Retained earnings | 2,485,352,000,000 | 2,135,307,000,000 | 1,634,444,000,000 | 1,383,907,000,000 |
| Additional paid-in capital | 203,026,000,000 | 345,130,000,000 | 344,785,000,000 | 345,144,000,000 |
| Accumulated other comprehensive income/loss | 2,130,091,000,000 | 1,704,345,000,000 | 2,444,536,000,000 | 1,265,381,000,000 |
| Other stockholders' equity | 2,000,000 | 2,000,000 | -20,816,000,000 | 0 |
| Total stockholders' equity | 4,769,215,000,000 | 4,000,618,000,000 | 4,467,182,000,000 | 3,092,117,000,000 |
| Total equity | 4,825,140,000,000 | 4,052,835,000,000 | 4,513,560,000,000 | 3,092,117,000,000 |
| Minority interest | 55,925,000,000 | 52,217,000,000 | 46,378,000,000 | 45,671,000,000 |
| Total liabilities and total equity | 28,640,810,000,000 | 26,241,294,000,000 | 26,958,185,000,000 | 24,302,600,000,000 |
| Total investments | 20,900,545,000,000 | 17,760,073,000,000 | 18,166,668,000,000 | 16,149,338,000,000 |
| Total debt | 998,406,000,000 | 831,393,000,000 | 744,137,000,000 | 821,102,000,000 |
| Net debt | -3,905,292,000,000 | -3,971,736,000,000 | -2,167,210,000,000 | -1,950,879,000,000 |
MS&AD Insurance Group Holdings, Inc. Cash Flow Statement
Cash from operations
Cash from investing
Cash flow / share TTM
—
Revenue / share TTM
—
Operating cash flow TTM
—
| Period end | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| Cash from operations | 762,608,000,000 | 660,188,000,000 | 549,466,000,000 | 194,153,000,000 |
| Cash from investing | -567,789,000,000 | -360,916,000,000 | -178,366,000,000 | 453,781,000,000 |
| Cash from financing | -129,233,000,000 | -659,398,000,000 | -227,164,000,000 | -312,031,000,000 |
| Net change in cash | 312,631,000,000 | -357,319,000,000 | 393,279,000,000 | 259,756,000,000 |
All line items
| Line item | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| Net income | 787,339,000,000 | 691,657,000,000 | 369,267,000,000 | 211,006,000,000 |
| Depreciation and amortization | 115,718,000,000 | 0 | 0 | 0 |
| Deferred income tax | 0 | 0 | 0 | 0 |
| Stock-based compensation | 0 | 0 | 0 | 0 |
| Change in working capital | 667,312,000,000 | 245,707,000,000 | 736,492,000,000 | 98,084,000,000 |
| Accounts receivable | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 |
| Accounts payable | 0 | 0 | 0 | 0 |
| Other working capital | 667,312,000,000 | 245,707,000,000 | 736,492,000,000 | 98,084,000,000 |
| Other non-cash items | -807,761,000,000 | -277,176,000,000 | -556,293,000,000 | -114,937,000,000 |
| Net cash from operating activities | 762,608,000,000 | 660,188,000,000 | 549,466,000,000 | 194,153,000,000 |
| Investments in property, plant and equipment | 0 | -88,292,000,000 | -84,940,000,000 | -81,632,000,000 |
| Acquisitions (net) | 5,391,000,000 | 16,283,000,000 | 18,901,000,000 | 1,115,000,000 |
| Purchases of investments | -9,703,501,000,000 | -5,194,901,000,000 | -3,930,530,000,000 | -3,527,854,000,000 |
| Sales/maturities of investments | 9,137,295,000,000 | 5,094,823,000,000 | 4,011,356,000,000 | 4,197,066,000,000 |
| Other investing activities | -6,974,000,000 | -188,829,000,000 | -193,153,000,000 | -134,914,000,000 |
| Net cash from investing activities | -567,789,000,000 | -360,916,000,000 | -178,366,000,000 | 453,781,000,000 |
| Net debt issuance | 406,066,000,000 | -125,000,000,000 | -100,000,000,000 | -170,381,000,000 |
| Long-term net debt issuance | 406,066,000,000 | -125,000,000,000 | -100,000,000,000 | -170,381,000,000 |
| Short-term net debt issuance | 0 | 0 | 0 | 0 |
| Net stock issuance | -221,499,000,000 | -250,876,000,000 | -30,375,000,000 | -55,745,000,000 |
| Net common stock issuance | -221,499,000,000 | -250,876,000,000 | -30,375,000,000 | -55,745,000,000 |
| Common stock issuance | 0 | 0 | 0 | 0 |
| Common stock repurchased | -221,499,000,000 | -250,876,000,000 | -30,375,000,000 | -55,745,000,000 |
| Net preferred stock issuance | 0 | 0 | 0 | 0 |
| Net dividends paid | -224,862,000,000 | -190,510,000,000 | -117,133,000,000 | -106,753,000,000 |
| Common dividends paid | -224,862,000,000 | -190,510,000,000 | -117,133,000,000 | -106,753,000,000 |
| Preferred dividends paid | 0 | 0 | 0 | 0 |
| Other financing activities | -88,938,000,000 | -93,012,000,000 | 20,344,000,000 | 20,848,000,000 |
| Net cash from financing activities | -129,233,000,000 | -659,398,000,000 | -227,164,000,000 | -312,031,000,000 |
| Effect of FX changes on cash | 247,045,000,000 | 2,807,000,000 | 249,343,000,000 | -76,147,000,000 |
| Net change in cash | 312,631,000,000 | -357,319,000,000 | 393,279,000,000 | 259,756,000,000 |
| Cash at end of period | 4,903,698,000,000 | 4,591,067,000,000 | 4,948,386,000,000 | 4,555,107,000,000 |
| Cash at beginning of period | 4,591,067,000,000 | 4,948,386,000,000 | 4,555,107,000,000 | 4,295,351,000,000 |
| Operating cash flow | 762,608,000,000 | 660,188,000,000 | 549,466,000,000 | 194,153,000,000 |
| Capital expenditure | -32,180,000,000 | -25,199,000,000 | -22,877,000,000 | -24,625,000,000 |
| Free cash flow | 730,428,000,000 | 634,989,000,000 | 526,589,000,000 | 169,528,000,000 |
| Income taxes paid | 0 | 0 | 0 | 0 |
| Interest paid | 0 | 0 | 0 | 0 |