Business Description
MS&AD Insurance Group Holdings Inc
ISIN : JP3890310000
Description
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.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 4.22 | |||||
| Equity-to-Asset | 0.15 | |||||
| Debt-to-Equity | 0.19 | |||||
| Debt-to-EBITDA | 1.69 | |||||
| Interest Coverage | 40.7 | |||||
| Piotroski F-Score | 5/9 | |||||
| Beneish M-Score | -2.48 | |||||
| WACC vs ROIC | ||||||
Growth Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 5.2 | |||||
| 3-Year EBITDA Growth Rate | 53.5 | |||||
| 3-Year EPS without NRI Growth Rate | -13 | |||||
| 3-Year FCF Growth Rate | -40 | |||||
| 3-Year Book Growth Rate | 9.3 | |||||
| Future 3-5Y EPS without NRI Growth Rate | 20.4 | |||||
| Future 3-5Y Total Revenue Growth Rate | 7.36 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 57.16 | |||||
| 9-Day RSI | 54.9 | |||||
| 14-Day RSI | 56.29 | |||||
| 6-1 Month Momentum % | 47.67 | |||||
| 12-1 Month Momentum % | 82.68 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.99 | |||||
| Dividend Payout Ratio | 0.41 | |||||
| 3-Year Dividend Growth Rate | 10.1 | |||||
| Forward Dividend Yield % | 2.99 | |||||
| 5-Year Yield-on-Cost % | 4.54 | |||||
| 3-Year Average Share Buyback Ratio | 2.1 | |||||
| Shareholder Yield % | 4.04 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 4.52 | |||||
| FCF Margin % | 1.67 | |||||
| ROE % | 9.02 | |||||
| ROA % | 1.2 | |||||
| ROIC % | 1.39 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 14.32 | |||||
| Forward PE Ratio | 11.47 | |||||
| PE Ratio without NRI | 15.09 | |||||
| Shiller PE Ratio | 24.04 | |||||
| PEG Ratio | 1.73 | |||||
| PS Ratio | 0.64 | |||||
| PB Ratio | 1.12 | |||||
| Price-to-Tangible-Book | 1.29 | |||||
| Price-to-Free-Cash-Flow | 39.23 | |||||
| Price-to-Operating-Cash-Flow | 22.73 | |||||
| EV-to-EBIT | 4.78 | |||||
| EV-to-EBITDA | 4.78 | |||||
| EV-to-Revenue | 0.3 | |||||
| EV-to-Forward-Revenue | 0.35 | |||||
| EV-to-FCF | 17.25 | |||||
| Price-to-Projected-FCF | 0.7 | |||||
| Price-to-Median-PS-Value | 1.6 | |||||
| Price-to-Peter-Lynch-Fair-Value | 3.39 | |||||
| Price-to-Graham-Number | 0.93 | |||||
| Earnings Yield (Greenblatt) % | 20.92 | |||||
| FCF Yield % | 2.6 | |||||
| Forward Rate of Return (Yacktman) % | 15.17 |
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