MS&AD Insurance Group Holdings (8725) Stock Price, Fundamentals & Analysis

What 8725 does

MS&AD Insurance Group Holdings (8725) is an insurance holding company that provides insurance and financial services worldwide. It operates through domestic non-life insurance, life insurance, international business, financial services, and risk-related services, including online automobile insurance, fire insurance, and risk consulting. Formerly known as Mitsui Sumitomo Insurance Group Holdings, Inc., the company changed its name in April 2010 and was founded in 1918. It is headquartered in Tokyo, Japan, and is part of the Tokyo Stock Exchange stocks universe.

Key numbers explained

• The current price is 5,030 JPY, up +1.21% today, with a 52-week range of 3,108 – 5,326 JPY and a 52-week price change of 52.7%.
• The trailing P/E ratio of 9.5 compares the share price to the last 12 months of earnings per share (528.65 JPY), while the forward P/E ratio of 12.2 uses expected future earnings.
• The dividend yield of 2.78% shows the annual dividend as a percentage of the share price, with 24% of earnings paid out as dividends and an ex-dividend date of 29 Sept. 2026.
• Profit margin of 11.6% and operating margin of 23% indicate how much of each yen in revenue becomes profit and operating profit, respectively.
• Return on equity of 16.1% measures how effectively the company generates profit from shareholders' equity.
• The debt-to-equity ratio of 25.2% and price-to-book of 1.09 show a conservative capital structure and a share price slightly above book value.
• Beta of 0.28 suggests the stock tends to move less than the overall market.

What to watch

For a stock like MS&AD Insurance Group Holdings (8725), investors typically monitor interest rate trends, which affect insurance pricing and investment income, as well as catastrophe losses that can impact property and casualty underwriting. The company's international business and financial services segments add exposure to global economic conditions. Earnings releases, scheduled for 19 Nov. 2026, and dividend policy updates are key dates to track. Peers such as Mitsubishi UFJ Financial Group (8306), Nomura Holdings (8604), and Fukuoka Financial Group (8354) operate in the same broader financial ecosystem.