MS&AD Insurance Group Holdings, Inc. - 8725.T

8725.T Returns vs S&P 500 ⓘ

ticker	1 day return %	1 week return %	1 month return %	3 months return %	6 months return %	1 year return %	3 years return %	5 years return %	10 years return %	maximum return %
8725.T	-1.0	0.3	-5.5	-9.7	-14.5	62.9	140.9	159.3	252.5	156.9
S&P 500	1.0	3.7	2.2	2.3	8.9	23.9	32.3	80.6	196.5	33856.2

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Returns Charts ⓘ

Interactive Price Chart

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Real-time Full Quote

Attribute	Value
symbol	8725.T
name	MS&AD Insurance Group Holdings, Inc.
price	3185
changes percentage	-0.9639
change	-31
day low	3104
day high	3202
year high	4018
year low	1950.6666
market cap	4886679166005
price avg 50	3443.8
price avg 200	3290.5325
exchange	JPX
volume	4880500
avg volume	4515845
open	3191
previous close	3216
eps	312.6
pe	10.19
earnings announcement	2025-02-14T04:00:00.000+0000
shares outstanding	1534279173
timestamp	2025-01-17 06:45:00

Financial Statements ⓘ

We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.

Overall Annual Financial Health: 63.7%

Overall Quarterly Financial Health: 42.3%

Income Statements ⓘ

• Annual Income Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
revenue	6559215000000	5053227000000	29.80
gross profit	6751516000000	5053227000000	33.61
gross profit ratio	1.03	1	2.93
research and development expenses	0	0	NaN
operating expenses	6086500000000	4979714000000	22.23
interest income	10453000000	345468000000	-96.97
interest expense	10453000000	10383000000	0.67
ebitda	593743000000	413992000000	43.42
ebitdaratio	0.09	0.04	106.43
operating income	628747000000	114595000000	448.67
operating income ratio	0.1	0.02	322.70
net income	369266000000	161530000000	128.61
net income ratio	0.06	0.03	76.12
eps	77.28	99.93	-22.67

Overall Score of Annual Income Statement

0.71 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Revenue Growth: revenue increased to 6,559,215 million in 2023 from 5,053,227 million in 2022 representing a change of 29.8%. This indicates a sales growth, which is a positive sign for the company.

  Gross Profit: Gross Profit increased to 6,751,516 million in 2023 from 5,053,227 million in 2022 representing a change of 33.61%. This indicates a sales profitability growth, which is a positive sign for the company.

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 593,743 million in 2023 from 413,992 million in 2022 representing a change of 43.42%. The increase in EBITDA indicates improved operational efficiency and profitability.

  Operating Income: Operating income increased to 628,747 million in 2023 from 114,595 million in 2022 representing a change of 448.67%. The increase in operating income indicates better operational performance and increased profitability.

  Net Income: Net income increased to 369,266 million in 2023 from 161,530 million in 2022 representing a change of 128.61%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.

• 📉 Negative Indicators

  Operating Expenses: Operating Expenses increased to 6,086,500 million in 2023 from 4,979,714 million in 2022 representing a change of 22.23%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.

  Earnings per Share (EPS): EPS increased to 77.28 in 2023 from 77.28 in 2022 representing a change of -22.67%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.

• Quarterly Income Statement

Note: The years below are fiscal years in accounting.

	2024Q1	2023Q4	Q/Q change %
0000000000
revenue	1842757000000	1440413000000	27.93
gross profit	1842757000000	1621876000000	13.62
gross profit ratio	1	1.13	-11.19
research and development expenses	0	0	NaN
operating expenses	441571000000	436296000000	1.21
interest income	0	109508000000	-100.00
interest expense	2849000000	2455000000	16.05
ebitda	304508000000	122861000000	147.85
ebitdaratio	0.17	0.02	613.97
operating income	161397000000	-909000000	17855.45
operating income ratio	0.09	-0.0	13978.76
net income	204270000000	87670000000	133.00
net income ratio	0.11	0.06	82.13
eps	128.83	55.29	133.01

Overall Score of Quarterly Income Statement

0.71 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Revenue Growth: revenue increased to 1,842,757 million in 2024Q1 from 1,440,413 million in 2023Q4 representing a change of 27.93%. This indicates a sales growth, which is a positive sign for the company.

  Gross Profit: Gross Profit increased to 1,842,757 million in 2024Q1 from 1,621,876 million in 2023Q4 representing a change of 13.62%. This indicates a sales profitability growth, which is a positive sign for the company.

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) increased to 304,508 million in 2024Q1 from 122,861 million in 2023Q4 representing a change of 147.85%. The increase in EBITDA indicates improved operational efficiency and profitability.

  Operating Income: Operating income increased to 161,397 million in 2024Q1 from -909 million in 2023Q4 representing a change of 17855.45%. The increase in operating income indicates better operational performance and increased profitability.

  Earnings per Share (EPS): EPS increased to 128.83 in 2024Q1 from 128.83 in 2023Q4 representing a change of 133.01%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.

• 📉 Negative Indicators

  Operating Expenses: Operating Expenses increased to 441,571 million in 2024Q1 from 436,296 million in 2023Q4 representing a change of 1.21%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.

  Net Income: Net income decreased to 204,270 million in 2024Q1 from 87,670 million in 2023Q4 representing a change of 133.0%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.

Balance Sheets ⓘ

• Annual Balance Sheet

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
total assets	26960207000000	25000433000000	7.84
total liabilities	22446645000000	714743000000	3040.52
total equity	4513560000000	3056269000000	47.68
cash and cash equivalents	2911347000000	2771981000000	5.03
short term investments	0	322654000000	-100.00
long term investments	18166668000000	16149338000000	12.49
total current assets	5406309000000	2771981000000	95.03
total non current assets	21192112000000	972835000000	2078.39
total current liabilities	2891181000000	2788841000000	3.67
total non current liabilities	19553442000000	714743000000	2635.73
common stock	101076000000	100808000000	0.27
retained earnings	1634444000000	1305928000000	25.16
total debt	715045000000	714743000000	0.04

Overall Score of Annual Balance Sheet

0.6 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 26,960,207 million in 2023 from 25,000,433 million in 2022 representing a change of 7.84%. Suggesting a growth in asset holdings.

  Total Equity: Total Equity increased to 4,513,560 million in 2023 from 3,056,269 million in 2022 representing a change of 47.68%. This indicates an increase in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents increased to 2,911,347 million in 2023 from 2,771,981 million in 2022 representing a change of 5.03%. This indicates an increase in available liquid assets.

  Total Current Assets: Total Current Assets increased to 5,406,309 million in 2023 from 2,771,981 million in 2022 representing a change of 95.03%. This indicates a better liquidity position.

  Common Stock: Common Stock increased to 101,076 in 2023 from 100,808 in 2022 representing a change of 0.27%. This indicates an increase in ownership interest.

  Retained Earnings: Retained Earnings increased to 1,634,444 million in 2023 from 1,305,928 million in 2022 representing a change of 25.16%. This indicates an accumulated profits.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 22,446,645 million in 2023 from 714,743 million in 2022 representing a change of 3040.52%. This indicates an increase in overall liabilities.

  Short Term Investments: Short Term Investments decreased to 0 million in 2023 from 322,654 million in 2022 representing a change of -100.0%. This indicates a decrease in short-term investment holdings.

  Total Current Liabilities: Total Current Liabilities increased to 2,891,181 million in 2023 from 2,788,841 million in 2022 representing a change of 3.67%. This indicates a higher short-term debt burden.

  Total Debt: Total Debt increased to 715,045 million in 2023 from 714,743 million in 2022 representing a change of 0.04%. This indicates an increase in overall debt burden.

• Quarterly Balance Sheet

Note: The years below are fiscal years in accounting.

	2024Q1	2023Q4	Q/Q change %
0000000000
total assets	27168229000000	26960207000000	0.77
total liabilities	22588572000000	22444623000000	0.64
total equity	4579653000000	4513562000000	1.46
cash and cash equivalents	5166846000000	4948386000000	4.41
short term investments	163595000000	457923000000	-64.27
long term investments	-492820000000	18528454000000	-102.66
total current assets	5330441000000	5406309000000	-1.40
total non current assets	21837788000000	21553898000000	1.32
total current liabilities	3025995000000	2891181000000	4.66
total non current liabilities	19562577000000	19553442000000	0.05
common stock	101076000000	101076000000	0.00
retained earnings	1759199000000	1634444000000	7.63
total debt	715335000000	744137000000	-3.87

Overall Score of Quarterly Balance Sheet

0.56 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 27,168,229 million in 2024Q1 from 26,960,207 million in 2023Q4 representing a change of 0.77%. Suggesting a growth in asset holdings.

  Total Equity: Total Equity increased to 4,579,653 million in 2024Q1 from 4,513,562 million in 2023Q4 representing a change of 1.46%. This indicates an increase in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents increased to 5,166,846 million in 2024Q1 from 4,948,386 million in 2023Q4 representing a change of 4.41%. This indicates an increase in available liquid assets.

  Retained Earnings: Retained Earnings increased to 1,759,199 million in 2024Q1 from 1,634,444 million in 2023Q4 representing a change of 7.63%. This indicates an accumulated profits.

  Total Debt: Total Debt decreased to 715,335 million in 2024Q1 from 744,137 million in 2023Q4 representing a change of -3.87%. This indicates a reduction in overall debt burden.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 22,588,572 million in 2024Q1 from 22,444,623 million in 2023Q4 representing a change of 0.64%. This indicates an increase in overall liabilities.

  Short Term Investments: Short Term Investments decreased to 163,595 million in 2024Q1 from 457,923 million in 2023Q4 representing a change of -64.27%. This indicates a decrease in short-term investment holdings.

  Total Current Assets: Total Current Assets decreased to 5,330,441 million in 2024Q1 from 5,406,309 million in 2023Q4 representing a change of -1.4%. This indicates a worsen liquidity position.

  Total Current Liabilities: Total Current Liabilities increased to 3,025,995 million in 2024Q1 from 2,891,181 million in 2023Q4 representing a change of 4.66%. This indicates a higher short-term debt burden.

Cashflow Statements ⓘ

• Annual Cashflow Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
net change in cash	87329000000	390215000000	-77.62
operating cash flow	549466000000	194153000000	183.01
free cash flow	464526000000	112521000000	312.83
capital expenditure	-84940000000	-81632000000	-4.05
depreciation and amortization	121019000000	106993000000	13.11
deferred income tax	0	0	NaN
stock based compensation	0	0	NaN
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	0	-45002000000	100.00
investments in property plant and equipment	-22877000000	-81632000000	71.98
net cash used for investing activites	-276825000000	480953000000	-157.56
debt repayment	-100000000000	-170381000000	41.31
common stock issued	0	0	NaN
common stock repurchased	-30375000000	-55745000000	45.51
dividends paid	-117133000000	-106753000000	-9.72
net cash used provided by financing activities	-231549000000	-314502000000	26.38
cash at end of period	2733760000000	2646431000000	3.30
accounts receivables	0	0	NaN
cash at beginning of period	2646431000000	2256216000000	17.30

Overall Score of Annual Cashflow Statement

0.6 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Net Change in Cash: Net Change in Cash decreased to 87,329 million in 2023 from 390,215 million in 2022 representing a change of -77.62%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.

  Dividends Paid: Dividends Paid decreased to -117,133 million in 2023 from -106,753 million in 2022 representing a change of -9.72%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.

• 📈 Positive Indicators

  Operating Cash Flow: Operating Cash Flow increased to 549,466 million in 2023 from 194,153 million in 2022 representing a change of 183.01%. This indicates that the company generated more cash from its core business operations.

  Free Cash Flow: Free Cash Flow increased to 464,526 million in 2023 from 112,521 million in 2022 representing a change of 312.83%. This indicates an increase in cash generated after accounting for capital expenditures.

  Capital Expenditure: Capital Expenditure decreased to -84,940 million in 2023 from -81,632 million in 2022 representing a change of -4.05%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.

• Quarterly Cashflow Statement

Note: The years below are fiscal years in accounting.

	2023Q4	2023Q3	Q/Q change %
0000000000
operating cash flow	0	58636000000	-100.0
free cash flow	0	58636000000	-100.0
capital expenditure	0	0	NaN
depreciation and amortization	0	29318000000	-100.0
deferred income tax	0	0	NaN
stock based compensation	0	0	NaN
accounts receivables	0	0	NaN
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	0	0	NaN
investments in property plant and equipment	0	0	NaN
net cash used for investing activites	0	0	NaN
debt repayment	0	0	NaN
common stock issued	0	0	NaN
common stock repurchased	0	0	NaN
dividends paid	0	0	NaN
net cash used provided by financing activities	0	0	NaN
net change in cash	0	598610000000	-100.0
cash at end of period	0	5326175000000	-100.0
cash at beginning of period	0	4727565000000	-100.0

Overall Score of Quarterly Cashflow Statement

0.0 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Net Change in Cash: Net Change in Cash decreased to 0 million in 2023Q4 from 598,610 million in 2023Q3 representing a change of -100.0%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.

  Operating Cash Flow: Operating Cash Flow decreased to 0 million in 2023Q4 from 58,636 million in 2023Q3 representing a change of -100.0%. This indicates that the company generated less cash from its core business operations.

  Free Cash Flow: Free Cash Flow decreased to 0 million in 2023Q4 from 58,636 million in 2023Q3 representing a change of -100.0%. This indicates a decrease in cash generated after accounting for capital expenditures.

Earnings Transcripts ⓘ

No earnings transcripts available.

Earnings Per Share (EPS) ⓘ

Analyst Stock Recommendations ⓘ

Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.

Financial Ratios ⓘ

• Annual Financial Ratios

	2024-03-31	2023-03-31	Y/Y change %
FY
calendar year	2023	2022	NaN
revenue per share	1372.66	3126.27	-56.09
net income per share	77.28	99.93	-22.67
operating cash flow per share	114.99	120.12	-4.27
free cash flow per share	97.21	69.61	39.65
cash per share	609.26	1914.55	-68.18
book value per share	944.56	15024.79	-93.71
tangible book value per share	841.91	14717.85	-94.28
shareholders equity per share	934.86	1862.56	-49.81
interest debt per share	151.83	448.61	-66.16
market cap	12490935194874	2212283445680.72	464.62
enterprise value	10294633194874	155045445680.72	6539.75
pe ratio	33.83	13.7	146.98
price to sales ratio	1.9	0.44	334.98
pocfratio	22.73	11.39	99.51
pfcf ratio	26.89	19.66	36.77
pb ratio	2.8	0.73	280.52
ptb ratio	2.8	0.73	280.52
ev to sales	1.57	0.03	5015.27
enterprise value over ebitda	17.34	0.37	4529.62
ev to operating cash flow	18.74	0.8	2246.15
ev to free cash flow	22.16	1.38	1508.33
earnings yield	0.03	0.07	-59.51
free cash flow yield	0.04	0.05	-26.88
debt to equity	0.16	0.24	-32.58
debt to assets	0.03	0.03	-7.23
net debt to ebitda	-3.7	-4.97	25.56
current ratio	1.87	0.99	88.13
interest coverage	60.15	11.04	444.99
income quality	1.19	0.82	44.15
dividend yield	0.01	0.05	-80.57
payout ratio	0.32	0.66	-52.00
sales general and administrative to revenue	0	0	NaN
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0.02	0.02	-8.32
capex to operating cash flow	0.15	0.42	-63.23
capex to revenue	0.01	0.02	-19.84
capex to depreciation	0.7	0.76	-8.01
stock based compensation to revenue	0	0	NaN
graham number	1274.94	2046.46	-37.70
roic	0.02	0.08	-74.54
return on tangible assets	0.01	0.01	111.63
graham net net	-4088.19	1472.36	-377.66
working capital	2515128000000	-16860000000	15017.72
tangible asset value	4023052000000	23789566000000	-83.09
net current asset value	-17040336000000	2057238000000	-928.31
invested capital	3471299000000	955975000000	263.12
average receivables	0	0	NaN
average payables	0	0	NaN
average inventory	0	0	NaN
days sales outstanding	0	0	NaN
days payables outstanding	0	0	NaN
days of inventory on hand	0	0	NaN
receivables turnover	0	0	NaN
payables turnover	0	0	NaN
inventory turnover	0	0	NaN
roe	0.08	0.05	54.07
capex per share	17.78	50.5	-64.80

• ROE:

• Positive

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to 33.83 on 2024-03-31 from 13.70 on 2023-03-31, representing a change of 146.98%. Indicating an increase in the relative valuation of the company's stock.

  Current Ratio: Current Ratio increased to 1.87 on 2024-03-31 from 0.99 on 2023-03-31, representing a change of 88.13%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Also, it's above 1, indicating the ability to cover short-term obligations.

  Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.16 on 2024-03-31 from 0.24 on 2023-03-31, representing a change of -32.58%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

• Quarterly Financial Ratios

	2024-06-30 Q1	2024-03-31 Q4	Q/Q change %
8725.T
calendar year	2024	2023	NaN
revenue per share	1162.19	908.4	27.94
net income per share	128.83	55.29	133.01
operating cash flow per share	None	0	NaN
free cash flow per share	None	0	NaN
cash per share	3361.8	3409.52	-1.40
book value per share	2888.3	2847.78	1.42
tangible book value per share	2577.49	2538.44	1.54
shareholders equity per share	2857.58	2817.26	1.43
interest debt per share	452.94	470.84	-3.80
market cap	5887292365430	4144891813332	42.04
enterprise value	1435781365430	-59357186668	2518.88
pe ratio	7.21	11.82	-39.04
price to sales ratio	3.19	2.88	11.03
pocfratio	0	0	NaN
pfcf ratio	0	0	NaN
pb ratio	1.3	0.93	40.04
ptb ratio	1.3	0.93	40.04
ev to sales	0.78	-0.04	1990.75
enterprise value over ebitda	4.72	-0.48	1075.96
ev to operating cash flow	0	0	NaN
ev to free cash flow	0	0	NaN
earnings yield	0.03	0.02	64.04
free cash flow yield	None	0	NaN
debt to equity	0.16	0.17	-5.22
debt to assets	0.03	0.03	-4.61
net debt to ebitda	-14.62	-34.22	57.28
current ratio	1.76	1.87	-5.80
interest coverage	56.65	-0.37	15399.97
income quality	0	0	NaN
dividend yield	None	0	NaN
payout ratio	None	0	NaN
sales general and administrative to revenue	0	0	NaN
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0.02	0.02	-0.30
capex to operating cash flow	0	0	NaN
capex to revenue	None	0	NaN
capex to depreciation	0	0	NaN
stock based compensation to revenue	None	0	NaN
graham number	2878.04	1872.09	53.73
roic	0.01	-0.0	13173.12
return on tangible assets	0.01	0.0	131.20
graham net net	-10884.37	-10745.31	-1.29
working capital	2304446000000	2515128000000	-8.38
tangible asset value	4086837000000	4025074000000	1.53
net current asset value	-17258131000000	-17038314000000	-1.29
invested capital	3260293000000	3471299000000	-6.08
average receivables	0	0	NaN
average payables	0	0	NaN
average inventory	0	0	NaN
days sales outstanding	0	0	NaN
days payables outstanding	0	0	NaN
days of inventory on hand	0	0	NaN
receivables turnover	0	0	NaN
payables turnover	0	0	NaN
inventory turnover	0	0	NaN
roe	0.05	0.02	129.72
capex per share	None	0	NaN

• Negative

  ROE: Return on Equity (ROE) increased to 0.05 on 2024-06-30 Q1 from 0.02 on 2024-03-31 Q4, representing a change of 129.72%. However, ROE is <= 5%, suggesting that the company has not been generating high returns for its shareholders.

  PE Ratio: Price-to-Earnings (P/E) Ratio decreased to 7.21 on 2024-06-30 Q1 from 11.82 on 2024-03-31 Q4, representing a change of -39.04%. Indicating a decrease in the relative valuation of the company's stock.

• Neutral

  Current Ratio: Current Ratio decreased to 1.76 on 2024-06-30 Q1 from 1.87 on 2024-03-31 Q4, representing a change of -5.80%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. However, it is still above 1, indicating the ability to cover short-term obligations.

• Positive

  Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.16 on 2024-06-30 Q1 from 0.17 on 2024-03-31 Q4, representing a change of -5.22%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

Growth Rates ⓘ

• Annual Growth

• Quarterly Growth

Intrinsic Value (Discounted Cash Flow) ⓘ

Positive Sentiment: Discounted Cash Flow value is 6152.96 which is higher than current price 3185, indicates the company may be undervalued.