MS&AD Insurance Group Holdings, Inc.

TSE:8725 Stock Report

Market Cap: JP¥6.7t

MS&AD Insurance Group Holdings Valuation

Is 8725 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of 8725 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: 8725 (¥4597) is trading below our estimate of future cash flow value (¥10140.39)

Significantly Below Future Cash Flow Value: 8725 is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 8725?

Key metric: As 8725 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 8725. This is calculated by dividing 8725's market cap by their current earnings.
What is 8725's PE Ratio?
PE Ratio8.5x
EarningsJP¥787.34b
Market CapJP¥6.67t

Price to Earnings Ratio vs Peers

How does 8725's PE Ratio compare to its peers?

The above table shows the PE ratio for 8725 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.5x
8630 Sompo Holdings
8.6x-0.78%JP¥5.5t
8766 Tokio Marine Holdings
14x2.68%JP¥13.7t
8750 Daiichi Life Group
14.5x4.87%JP¥6.3t
6178 Japan Post Holdings
16.9x15.55%JP¥6.3t
8725 MS&AD Insurance Group Holdings
8.5x-0.73%JP¥6.7t

Price-To-Earnings vs Peers: 8725 is good value based on its Price-To-Earnings Ratio (8.5x) compared to the peer average (13.5x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does 8725's PE Ratio compare vs other companies in the Asian Insurance Industry?

8 CompaniesPrice / EarningsEstimated GrowthMarket Cap
8725 8.5xIndustry Avg. 11.5xNo. of Companies55PE01020304050+
8 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 8725 is good value based on its Price-To-Earnings Ratio (8.5x) compared to the Asian Insurance industry average (11.5x).

Price to Earnings Ratio vs Fair Ratio

What is 8725's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

8725 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.5x
Fair PE Ratio13x

Price-To-Earnings vs Fair Ratio: 8725 is good value based on its Price-To-Earnings Ratio (8.5x) compared to the estimated Fair Price-To-Earnings Ratio (13x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 8725 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentJP¥4,597.00
JP¥4,480.91
-2.53%
17.08%JP¥6,000.00JP¥3,270.00n/a11
Jun ’27JP¥4,298.00
JP¥4,431.82
+3.11%
16.60%JP¥6,000.00JP¥3,270.00n/a11
May ’27JP¥3,996.00
JP¥4,431.82
+10.91%
16.60%JP¥6,000.00JP¥3,270.00n/a11
Apr ’27JP¥4,203.00
JP¥4,489.00
+6.80%
12.28%JP¥5,400.00JP¥3,800.00n/a10
Mar ’27JP¥4,376.00
JP¥4,282.22
-2.14%
12.02%JP¥5,400.00JP¥3,750.00n/a9
Feb ’27JP¥3,932.00
JP¥4,282.22
+8.91%
12.02%JP¥5,400.00JP¥3,750.00n/a9
Jan ’27JP¥3,683.00
JP¥4,137.00
+12.33%
14.26%JP¥5,400.00JP¥3,270.00n/a10
Dec ’26JP¥3,480.00
JP¥4,005.00
+15.09%
11.56%JP¥4,800.00JP¥3,270.00n/a10
Nov ’26JP¥3,186.00
JP¥3,999.00
+25.52%
11.38%JP¥4,800.00JP¥3,270.00n/a10
Oct ’26JP¥3,311.00
JP¥3,999.00
+20.78%
11.38%JP¥4,800.00JP¥3,270.00n/a10
Sep ’26JP¥3,461.00
JP¥3,964.00
+14.53%
12.23%JP¥4,800.00JP¥3,270.00n/a10
Aug ’26JP¥3,269.00
JP¥3,964.00
+21.26%
12.23%JP¥4,800.00JP¥3,270.00n/a10
Jul ’26JP¥3,191.00
JP¥3,994.55
+25.18%
11.82%JP¥4,800.00JP¥3,270.00n/a11
Jun ’26JP¥3,456.00
JP¥3,868.18
+11.93%
12.63%JP¥4,580.00JP¥3,200.00JP¥4,298.0011
May ’26JP¥3,277.00
JP¥3,779.09
+15.32%
11.84%JP¥4,500.00JP¥3,200.00JP¥3,996.0011
Apr ’26JP¥3,142.00
JP¥3,779.09
+20.28%
11.84%JP¥4,500.00JP¥3,200.00JP¥4,203.0011
Mar ’26JP¥3,130.00
JP¥3,840.83
+22.71%
14.29%JP¥5,000.00JP¥3,200.00JP¥4,376.0012
Feb ’26JP¥3,249.00
JP¥3,840.83
+18.22%
14.29%JP¥5,000.00JP¥3,200.00JP¥3,932.0012
Jan ’26JP¥3,449.00
JP¥3,813.33
+10.56%
13.67%JP¥5,000.00JP¥3,200.00JP¥3,683.0012
Dec ’25JP¥3,341.00
JP¥3,775.83
+13.02%
14.79%JP¥5,000.00JP¥3,200.00JP¥3,480.0012
Nov ’25JP¥3,355.00
JP¥3,740.83
+11.50%
15.69%JP¥5,000.00JP¥3,080.00JP¥3,186.0012
Oct ’25JP¥3,389.00
JP¥3,753.33
+10.75%
15.46%JP¥5,000.00JP¥3,080.00JP¥3,311.0012
Sep ’25JP¥3,345.00
JP¥3,611.82
+7.98%
21.32%JP¥5,000.00JP¥2,000.00JP¥3,461.0011
Aug ’25JP¥3,425.00
JP¥3,611.82
+5.45%
21.32%JP¥5,000.00JP¥2,000.00JP¥3,269.0011
Jul ’25JP¥3,713.00
JP¥3,275.15
-11.79%
26.35%JP¥5,000.00JP¥2,000.00JP¥3,191.0011
Jun ’25JP¥3,281.00
JP¥2,750.06
-16.18%
20.63%JP¥4,000.00JP¥2,000.00JP¥3,456.0011
JP¥4.48k
Fair Value
2.6% overvalued intrinsic discount
11
Number of Analysts

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/13 10:01
End of Day Share Price 2026/06/12 00:00
Earnings2026/03/31
Annual Earnings2026/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

MS&AD Insurance Group Holdings, Inc. is covered by 25 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Azuma OhnoBarclays
Natsumu TsujinoBofA Global Research
Koichi NiwaCitigroup Inc