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MS&AD Insurance Group Holdings,Inc.

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Recent & upcoming events

Sep 28
Ex-dividend Time TBD
Ex-rights date (interim)
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Sep 27
Dividend Time TBD
Last day with rights (interim)
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Aug 14
Earnings 2:00
Q1 earnings announcement (scheduled)
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Jun 21
Shareholder meeting 21:00
Shareholders' meeting
Venue: 東京都港区虎ノ門二丁目10番４号 The Okura Tokyo（オークラ東京）オークラ プレステージタワー２階「オーチャード」 Details
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May 20
Earnings 2:00
FY earnings announcement (scheduled)
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Nov 19
Earnings 1:00 approx.
Q2 earnings announcement (scheduled)
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2027
Feb 12
Earnings 1:00 approx.
Q3 earnings announcement (scheduled)
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Mar 28
Est.
Dividend Time TBD
Last day with rights (year-end)
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Mar 29
Est.
Ex-dividend Time TBD
Ex-rights date (year-end)
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May 7
Est.
Earnings 2:00 approx.
Earnings announcement (predicted)
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Aug 6
Est.
Earnings 2:00 approx.
Earnings announcement (predicted)
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Sep 27
Est.
Dividend Time TBD
Last day with rights (interim)
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Sep 28
Est.
Ex-dividend Time TBD
Ex-rights date (interim)
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Oct 29
Est.
Earnings 2:00 approx.
Earnings announcement (predicted)
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KPI highlights

FY26
Ordinary revenue ¥7.65T YoY +14.9% Total core revenue for banks and insurers (interest income, fee & commission income, insurance premiums, etc.). Defined differently from an operating company's revenue.
Operating income —
Net income ¥787.34B YoY +13.8%
EPS ¥529 YoY +18.7%
P/E —
ROE 18.0% Equity ratio 17% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Company guidance

FY2027/03 Company-issued full-year guidance (from earnings report) / %=vs prior FY IFRS basis. YoY is hidden because it differs from the actual's accounting basis.
Revenue — —
Operating income — —
Net income ¥425.00B —
EPS ¥296 —

Quarterly fundamentals

Income & cash flow
Quarter FY23 Q3FY23 Q4FY24 Q1FY24 Q2FY25 Q2FY25 Q3
Revenue ¥4.33T¥2.60T¥-2.38T———
Operating income ——————
Net income ¥-23.04B¥195.00B¥88.58B———
Operating CF ——————

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2021–2026）

事業法人 4.8%国内機関 27.5%海外機関 10.5%未開示 57.2%202120222023202420252026
事業法人国内機関海外機関未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

日本マスタートラスト信託銀行株式会社 13.6%日本マスタートラスト信託銀行株式会社（信託口）（うち、投資信託99,823千株、年金信託4,051千株、その他93,838千株）日本生命保険相互会社 7.5%日本生命保険相互会社株式会社日本カストディ銀行（信託口） 5.2%株式会社日本カストディ銀行（信託口）（うち、投資信託49,647千株、年金信託4,706千株、その他20,729千株）トヨタ自動車株式会社 4.8%トヨタ自動車株式会社JP MORGAN CHASE BA 2.3%JP MORGAN CHASE BANK 380055（常任代理人　株式会社みずほ銀行決済営業部）STATE STREET BANK 2.2%STATE STREET BANK AND TRUST COMPANY 505001（常任代理人　株式会社みずほ銀行決済営業部）JP MORGAN CHASE BA 1.6%JP MORGAN CHASE BANK 380081（常任代理人　株式会社みずほ銀行決済営業部）THE BANK OF NEW YO 1.6%THE BANK OF NEW YORK MELLON 140042（常任代理人　株式会社みずほ銀行決済営業部）住友生命保険相互会社 1.3%住友生命保険相互会社202120222023202420252026

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
日本マスタートラスト信託銀行株式会社（信託口）（うち、投資信託99,823千株、年金信託4,051千株、その他93,838千株） 197,713,000 13.6% Yuho (EDINET)
日本生命保険相互会社 108,975,000 7.5% Yuho (EDINET)
株式会社日本カストディ銀行（信託口）（うち、投資信託49,647千株、年金信託4,706千株、その他20,729千株） 75,083,000 5.2% Yuho (EDINET)
トヨタ自動車株式会社 70,371,000 4.8% Yuho (EDINET)
THE CHASE MANHATTAN BANK, N.A. LONDONSECS LENDING OMNIBUS ACCOUNT 40,994,000 2.8% Yuho (EDINET)
JP MORGAN CHASE BANK 380055 33,488,000 2.3% Yuho (EDINET)
STATE STREET BANK AND TRUST COMPANY 505001 31,396,000 2.2% Yuho (EDINET)
JP MORGAN CHASE BANK 380081 23,254,000 1.6% Yuho (EDINET)
THE BANK OF NEW YORK MELLON 140042 22,764,000 1.6% Yuho (EDINET)
住友生命保険相互会社 18,887,000 1.3% Yuho (EDINET)

Source：EDINET（大株主の状況）　Classification inferred from disclosed names

F-Score (Piotroski)

Banks, insurers, and other financial institutions are excluded from this score, as their financial structure differs fundamentally from typical operating companies.

Fact checklist

FY26
Equity ratio 16.7%
Current ratio —
Years of positive operating CF 9 of last 10 yrs
Payout ratio 54%
Latest fiscal year result Profit (net income ¥787.34B)

Performance history

Last 10 years
Ordinary revenueOperating revenue
0.0兆円1.9兆円3.8兆円5.7兆円7.7兆円 FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26

Income & assets

Unit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
Revenue ——————————
Ordinary revenue 53,35252,17855,00451,68448,92251,32052,51365,72966,60876,530
Operating income ——————————
Ordinary income 3,5262,1152,9081,5773,0653,9052,3114,1649,29011,202
Net income 2,1041,5411,9271,4301,4442,6281,6153,6936,9177,873
Total assets 212,343224,729231,325231,965241,426250,338250,004269,602262,413286,408
Equity 27,34429,68427,78024,94031,26733,02730,56345,13640,52848,251

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

*Split-adjustedUnit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
EPS ¥117¥87¥110¥83¥85¥158¥100¥232¥446¥529
ROE 7.8%5.5%6.8%5.5%5.2%8.3%5.1%9.8%16.3%18.0%
Operating CF 10,8698,2267,7676,679-3,2392,3671,9425,4956,6027,626
Investing CF -6,149-9,631-2,524-3,304439-7204,810-2,768-5,587-6,970
Financing CF -1,002423-333653793585-3,145-2,315-6,596-1,292
FCF 4,720-1,4055,2433,375-2,8001,6476,7512,7261,015656

Source: EDINET (Annual Securities Report) (fetched 2026-08-29) *Some metrics supplemented from additional sources

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Data provided by Twelve Data