Total revenue (estimated): JPY 5.5 trillion (2025)

Industry distribution:

• Insurance services: approx. 85%
• Financial services: approx. 10%
• Other services: approx. 5%

TOP 3 markets:

1. Japan: approx. 65%
2. Asia (excluding Japan): approx. 20%
3. Europe and North America: approx. 10%

The MS&AD Insurance Group Holdings, Inc. generates the majority of its revenue from insurance services, with the home market Japan accounting for the largest share of revenue. The Asian market, excluding Japan, is also significant and contributes significantly to growth. Europe and North America are smaller but strategically important markets for the company.

Production sites: Globally distributed, with a focus in Japan

MS&AD Insurance Group Holdings, Inc. is a leading insurance company headquartered in Japan. As an insurance provider, the company does not produce physical products, but offers insurance services. These services are mainly developed and managed in Japan, but the company also has international branches and partnerships to offer its services worldwide.

The group is active in various markets, including Asia, Europe, and North America, and offers a wide range of insurance products, including life, property, and casualty insurance.

Strategic Growth Areas:

• Digitization and Technology Integration
• International Expansion
• Sustainability and ESG Initiatives

MS&AD Insurance Group Holdings, Inc. pursues a strategy that strongly focuses on digitization and technology integration. The company invests in modern technologies to increase efficiency and improve customer service. This includes the use of AI and Big Data for risk assessment and claims processing.

Another key focus is on international expansion, particularly in emerging markets in Asia and other regions. The company aims to expand its global presence and capitalize on growth opportunities in these markets.

In addition, MS&AD places great emphasis on sustainability and ESG initiatives. The company integrates environmental, social, and governance criteria into its business strategies to ensure long-term sustainable growth and meet the requirements of investors and regulatory authorities.

Main raw materials: Paper, IT hardware

Import countries: USA, China, Japan

MS&AD Insurance Group Holdings, Inc. is an insurance company that primarily offers services and therefore does not import large quantities of physical raw materials. The main materials the company needs are paper for documentation and IT hardware for the operation of their digital platforms.

Paper is often sourced locally or from neighboring Asian countries. IT hardware, such as servers and computers, is often imported from the USA and China, as these countries are leading in the production of technology products.

The company values sustainability and could therefore also prefer recycled materials and environmentally friendly products.

Market Share in Japan: Approx. 25% (2023)
Risk Capital Ratio: 200% (2023)
Combined Ratio: 92.5% (2023)

MS&AD Insurance Group Holdings, Inc. is one of the leading insurance providers in Japan and holds a significant market share of about 25%. This gives the company a strong competitive advantage, especially in the domestic market.

The risk capital ratio of 200% indicates a solid capital base that enables the company to effectively manage risks while seizing growth opportunities.

A combined ratio of 92.5% suggests an efficient cost structure, as values below 100% indicate profitability in the insurance business. This metric is another indicator of the company's competitive advantage, showing that MS&AD is able to keep its costs low compared to premium income.

In summary, MS&AD benefits from a strong market position, solid capital base, and efficient cost management, giving the company a significant competitive advantage.

Institutional investor share: approx. 60% (estimated 2025)
Insider purchases/sales: No significant transactions in the last 12 months (estimated 2025)

The institutional investor share in MS&AD Insurance Group Holdings, Inc. is estimated to be around 60%. This is typical for large Japanese companies, where institutional investors such as pension funds, investment funds, and insurance companies hold a significant stake.

Regarding insider purchases or sales, there have been no significant transactions in the last 12 months that could indicate a change in management's confidence in the company's future development. This suggests that the management currently does not expect any significant changes in the company's strategy or valuation.

Market share of MS&AD Insurance Group Holdings, Inc.: 12% (2025, estimated)

Top competitors and their market shares:

1. Tokio Marine Holdings, Inc. - 15%
2. Sompo Holdings, Inc. - 13%
3. MS&AD Insurance Group Holdings, Inc. - 12%
4. Nippon Life Insurance Company - 10%
5. Dai-ichi Life Holdings, Inc. - 9%
6. Meiji Yasuda Life Insurance Company - 8%
7. Aflac Incorporated - 7%
8. Japan Post Insurance Co., Ltd. - 6%
9. T&D Holdings, Inc. - 5%
10. Sony Financial Holdings Inc. - 4%

Moat of MS&AD Insurance Group Holdings, Inc.:

The moat of MS&AD Insurance Group Holdings, Inc. is moderately pronounced. The company benefits from strong brand recognition and a wide product portfolio that includes both life and non-life insurance. This diversification provides a certain level of stability and resilience to market fluctuations.

Compared to competitors, Tokio Marine Holdings has a stronger moat, especially due to its international presence and strategic acquisitions that solidify its market position. Sompo Holdings also has a significant advantage through its innovation capabilities and investments in digital technologies.

Overall, MS&AD has a solid, but not outstanding moat compared to the leading competitors. To strengthen the moat, the company could expand into additional international markets and enhance its digital offerings.

Revenue growth: 3.5% (2024) Profit growth: 4.2% (2024) Return on equity: 8.5% (2024)

MS&AD Insurance Group Holdings, Inc. is one of the leading insurance companies in Japan and has experienced moderate revenue and profit growth in recent years. The company benefits from a diversified product range and a strong market position in Asia.

The return on equity of 8.5% indicates that the company is able to efficiently utilize its resources to generate profits. This is a positive signal for investors seeking stable returns.

Furthermore, in recent years, MS&AD has invested in digital transformation and innovation to strengthen its competitiveness. The long-term outlook could be positively influenced by these strategic initiatives, making the stock a potentially good investment.

Dividend yield: 3.5% (estimated for 2025)
Dividend history: Continuous payout in the last 5 years

MS&AD Insurance Group Holdings, Inc. has regularly distributed dividends to its shareholders in recent years. The dividend yield is currently around 3.5%, which is competitive compared to other companies in the insurance industry.

The reliability of dividend payments is supported by a solid financial foundation and a stable business model. The company has not made any dividend cuts in the last five years, indicating a consistent dividend policy. Analysts expect MS&AD to maintain a reliable dividend policy in the future as well, based on their past performance and current market conditions.