What is MS&AD Insurance Group Holdings, Inc. (MSADF)'s fair-value range?

EvidInvest reads MS&AD Insurance Group Holdings, Inc. (MSADF)'s market price back into the assumptions behind it — the implied P/E, growth rate and cash yield — using its latest filed financials, then lets you set your own. See the full DCF, Graham number, EPV and multiple-based methods at https://evidinvest.com/valuation/MSADF.

How is MS&AD Insurance Group Holdings, Inc. (MSADF)'s fair value calculated?

MS&AD Insurance Group Holdings, Inc. (MSADF)'s fair value is computed with several independent methods — a discounted cash flow (DCF) model, the Graham number, earnings power value (EPV), and valuation multiples such as PE and EV/EBITDA — using data from SEC filings. P/B is optional for non-financial companies and included in the preset range for financial sectors.

Which filing are MS&AD Insurance Group Holdings, Inc. (MSADF)'s valuation inputs based on?

Inputs come from the FY2026 annual report. Source: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1431048&type=&dateb=&owner=include&count=10

Fair value · MS&AD Insurance Group Holdings, Inc. (MSADF) · updated 2026-10-29 · from annual report FY2026

MS&AD Insurance Group Holdings trades at $30.56. That price implies a P/E of 7.9× and 15.2% yearly EPS growth for a decade.

Name: MS&AD Insurance Group Holdings, Inc. (MSADF) valuation inputs and fair-value methods
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Previous close (2026-04-02)

Statements filed in JPY, converted to USD at the 2026-03-31 period-end rate (159.50 JPY per USD; ECB reference rates).

Are those assumptions reasonable? Use MSADF’s filed growth history and the AI chat to decide, then set your own inputs below — the range you build is yours.

What the price implies

P/E: 7.9×
EPS growth: 15.2%

Prices and market caps: Cboe delayed data, at least 15 minutes delayed. Not real-time. Fundamentals from company filings. This price: Previous close (2026-04-02).

Set your own assumptions ↓See how each method got its number Check another stock

Inputs come from the FY2026 annual report; set your own on the sliders below. Research, not investment advice.

The filing behind these numbers

MS&AD Insurance Group Holdings, Inc.

Revenue: JPY 7.16T
Diluted EPS: JPY 84502.00
Free cash flow: JPY 735.0B; operating cash flow − capital expenditure
Diluted shares: 9.4M; weighted average

annual report FY2026 · fiscal year ended 2026-03-31 · filed 2026-03-31

Trailing-twelve-month EPS also uses the quarterly 6-Ks through Q1 FY2027 (filed 2026-06-30).

Open the annual report list on sec.govCIK 1431048

Valuation tool: build your own MSADF range

Fair Value Summary

Daily Price — MSADF

$26.82 +12.5% (1Y)

Range implied by today’s price2 of 8 methods

$31 – $31

Price $30.56

Bear $31Base $31Bull $31

Range with preset inputs

$46 – $46

Price $30.56

Bear $46Base $46Bull $46

Every method that could be solved backwards opens on the assumption today’s price makes, so the top range sits on the price — that is arithmetic, not a view. Change any input and it becomes yours.

We don’t tell you what MSADF is worth. Every tab OPENS on what today’s price implies for that method’s key assumption; you decide whether that assumption is reasonable — the growth matrix has MSADF’s filed history and the AI chat will reason it through with you — and the range you build is yours. Our presets are filed history and reference settings, never a recommendation.

Discounted cash flow

$14912.36per share

48697% above the $30.56 price· outside the ±300% band, left out of the range

Preset inputs — revenue-driven DCF from the latest filing

Two-stage FCF model at the same filed inputs: $209444.25 — move any slider below and that model takes over.

Implied by today’s price

The price implies stage-1 FCF growth of -50.0%. Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show.

Not solvable from the price — Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show. Showing preset inputs.

That is the assumption the market is making — not ours, and not a recommendation. Decide whether it is reasonable: the growth matrix shows what MSADF has actually filed, and the AI chat will reason it through with you.

Your inputs

Free cash flow grows at your stage-1 rate, then your stage-2 rate, then a terminal rate; everything is discounted at your WACC.

Stage-1 growth60.0%

Yearly free-cash-flow growth for the first stage. Starts below zero so a shrinking-cash-flow case — and the rate today’s price implies — can be set.

-20.0%707.0%

Stage-1 years5 yrs

How long stage-1 growth lasts.

1 yrs10 yrs

Stage-2 growth8.9%

Slower growth after stage 1, before the terminal phase.

-20.0%30.0%

Stage-2 years5 yrs

0 yrs10 yrs

Terminal growth2.5%

Growth forever after the two stages. Above ~3% is rarely justified.

0.0%5.0%

Discount rate (WACC)5.38%

The return you require. Default is the WACC EvidInvest computed for this company. Higher discount rate, lower value.

3.00%15.00%

Net debt ($M)Debt minus cash, from the balance sheet. Subtracted from enterprise value.

Starting FCF ($M)Latest free cash flow from the filing (operating cash flow minus capex).

Shares (M)Diluted shares, from the filing.

Year by year (two-stage model, $M)

PV explicit $300,802M · PV terminal $1,559,557M · EV $1,860,359M · equity $1,884,998M

Year	Stage	FCF	Present value
1	Stage 1	$7,373M	$6,996M
2	Stage 1	$11,796M	$10,623M
3	Stage 1	$18,874M	$16,129M
4	Stage 1	$30,199M	$24,488M
5	Stage 1	$48,318M	$37,181M
6	Stage 2	$52,619M	$38,423M
7	Stage 2	$57,302M	$39,706M
8	Stage 2	$62,402M	$41,033M
9	Stage 2	$67,955M	$42,403M
10	Stage 2	$74,003M	$43,820M

Inputs from the filing

Statements filed in JPY, converted to USD at the 2026-03-31 period-end rate (159.50 JPY per USD; ECB reference rates).

Free cash flow: $0; sum of the last four quarters
EBIT: $4.6B; latest annual
Shares: 9.4M
Total debt: $6.3B
Cash: $30.9B
Net debt: $-24.6B; debt − cash

annual report FY2026 · period ended 2026-03-31 · filed 2026-03-31 · sec.gov

Prefer a blank slate with reverse DCF? Open the standalone DCF / reverse DCF for MSADF

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Download the full MSADF valuation report (PDF) — free

DCF fair value, Graham number, EPV, key multiples and growth rates in one clean PDF.

MS&AD Insurance Group Holdings trades at $30.56. That price implies a P/E of 7.9× and 15.2% yearly EPS growth for a decade.

The filing behind these numbers

Valuation tool: build your own MSADF range

Daily Price — MSADF

Range implied by today’s price2 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

More on MSADF

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Valuation tool: build your own MSADF range

Daily Price — MSADF

Range implied by today’s price2 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

More on MSADF

Compare with peers

Explore