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Market Price

26.87 

0.61 2.3%

as of Mar 26 '19

52 Week Range:

23.87 29.14


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

MS&AD Insurance Group Holdings, Inc., an insurance holding company, provides insurance and financial services worldwide. The company offers various life and non-life insurance products, including fire and allied, marine, personal accident, voluntary automobile, compulsory automobile liability, medical and nursing care, and other insurance products; individual annuity insurance and whole life insurance products; and reinsurance services, as well as income guarantee insurance products. It also provides financial services, including asset management, financial guarantees, 401k, alternative risk transfer, personal finance, and venture capital finance; and risk management services. In addition, the company offers administration, credit guarantee, and loan services; and roadside assistance and house support services, as well as operates retirement homes and elderly daycare centers. MS&AD Insurance Group Holdings, Inc. provides its products and services through cross-selling, as well as other sales channels, including financial institution agents, life insurance professionals, and direct marketing. The company was formerly known as Mitsui Sumitomo Insurance Group Holdings, Inc. and changed its name to MS&AD Insurance Group Holdings, Inc. in April 2010. MS&AD Insurance Group Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Equity (BVPS) 18.36
25.22
22.11
17.87
21.67
27.64
35.83
38.91
38.49
39.94
growth rate 37.4% -12.3% -19.2% 21.3% 27.6% 29.6% 8.6% -1.1% 3.8%
Earnings BIT 226,371.00
313,197.00
423,235.00
410,182.00
259,944.00
growth rate 38.4% 35.1% -3.1% -36.6%
Avg.PE 9.82
10.06
17.91
growth rate 2.4% 78.0%
ROA 0.44
0.10
0.50
0.06
-1.30
0.55
0.57
0.76
0.93
1.01
0.70
growth rate -77.3% 400.0% -88.0% -100.0% 100.0% 3.6% 33.3% 22.4% 8.6% -30.7%
ROE 1.77
0.61
3.25
0.37
-10.91
4.79
4.39
5.17
6.36
7.78
5.45
growth rate -65.5% 432.8% -88.6% -100.0% 100.0% -8.4% 17.8% 23.0% 22.3% -30.0%
Cur. Ratio
growth rate
Quick Ratio
growth rate
Leverage 5.07
7.36
5.77
7.09
9.74
7.95
7.47
6.25
7.53
7.84
7.64
growth rate 45.2% -21.6% 22.9% 37.4% -18.4% -6.0% -16.3% 20.5% 4.1% -2.6%
Balance Sheet Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Acct.Receivable 224,025.00
73,337.00
102,636.00
125,785.00
111,320.00
140,133.00
growth rate -67.3% 40.0% 22.6% -11.5% 25.9%
Acct.Payable 1,384,650.00
1,467,103.00
1,491,004.00
1,967,518.00
1,982,354.00
2,213,650.00
growth rate 6.0% 1.6% 32.0% 0.8% 11.7%
Cur.Assets 1,846,006.00
1,583,038.00
1,638,680.00
2,343,069.00
2,794,160.00
2,981,976.00
growth rate -14.3% 3.5% 43.0% 19.3% 6.7%
Total Assets 15,914,663.00
16,878,148.00
18,787,654.00
20,303,649.00
21,234,300.00
22,472,927.00
growth rate 6.1% 11.3% 8.1% 4.6% 5.8%
Cash 666,978.00
563,370.00
631,141.00
1,083,838.00
1,419,267.00
1,481,694.00
growth rate -15.5% 12.0% 71.7% 31.0% 4.4%
Cur.Liabilities 1,404,886.00
1,488,417.00
1,514,965.00
2,026,768.00
2,024,570.00
2,281,372.00
growth rate 6.0% 1.8% 33.8% -0.1% 12.7%
Liabilities 13,893,038.00
14,592,317.00
15,751,410.00
17,578,376.00
18,499,869.00
19,504,541.00
growth rate 5.0% 7.9% 11.6% 5.2% 5.4%
LT Debt 341,221.00
326,195.00
326,197.00
646,671.00
652,989.00
754,972.00
growth rate -4.4% 0.0% 98.3% 1.0% 15.6%
Equity 2,260,324.00
3,006,711.00
2,698,167.00
2,709,284.00
2,941,677.00
growth rate 33.0% -10.3% 0.4% 8.6%
Common Shares 423.00
421.00
419.00
624.00
622.00
622.00
621.00
616.00
608.00
600.00
593.00
growth rate -0.5% -0.5% 48.9% -0.3% 0.0% -0.2% -0.8% -1.3% -1.3% -1.2%
Cash Flow Statement Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Capital Expenditures 24,598.00
29,624.00
22,809.00
22,016.00
20,158.00
20,291.00
growth rate 20.4% -23.0% -3.5% -8.4% 0.7%
Cash Dividends 34,147.00
35,189.00
43,242.00
63,151.00
79,887.00
growth rate 3.1% 22.9% 46.0% 26.5%
Cash From OA 118,751.00
489,950.00
628,184.00
1,291,017.00
1,086,948.00
822,640.00
growth rate 312.6% 28.2% 105.5% -15.8% -24.3%
FCF per Share 0.38
-1.14
-1.35
-1.02
-2.45
0.40
9.66
10.27
16.03
12.59
growth rate -100.0% 0.0% 0.0% 0.0% 100.0% 2,315.0% 6.3% 56.1% -21.5%
FCF 189,688.00
21,040.00
-59,617.00
-98,671.00
-274,991.00
44,976.00
435,382.00
589,673.00
1,250,169.00
1,039,182.00
754,704.00
growth rate -88.9% -100.0% 0.0% 0.0% 100.0% 868.0% 35.4% 112.0% -16.9% -27.4%
Income Statement Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Sales 4,187,484.00
4,354,644.00
4,653,426.00
4,926,518.00
5,328,726.00
5,093,990.00
growth rate 4.0% 6.9% 5.9% 8.2% -4.4%
Op.Income 85,311.00
226,371.00
313,197.00
423,235.00
410,182.00
259,944.00
growth rate 165.4% 38.4% 35.1% -3.1% -36.6%
IBT 148,840.00
219,821.00
257,092.00
282,605.00
244,307.00
growth rate 47.7% 17.0% 9.9% -13.6%
Net Income 85,311.00
93,451.00
136,247.00
181,516.00
210,447.00
154,057.00
growth rate 9.5% 45.8% 33.2% 15.9% -26.8%
EPS 151.70
19.45
89.84
8.68
-272.49
134.46
150.58
221.34
298.72
350.90
259.98
growth rate -87.2% 361.9% -90.3% -100.0% 100.0% 12.0% 47.0% 35.0% 17.5% -25.9%
Gross Profit 671,172.00
789,665.00
894,345.00
1,022,059.00
1,071,424.00
936,219.00
growth rate 17.7% 13.3% 14.3% 4.8% -12.6%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 30,172.00
98,212.00
125,401.00
-50,067.00
165,013.00
growth rate 225.5% 27.7% -100.0% 100.0%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 126,371.00
140,133.00
144,029.00
138,321.00
growth rate 10.9% 2.8% -4.0%
Acct.Payable 2,232,437.00
2,213,650.00
2,165,316.00
2,340,656.00
2,325,240.00
growth rate -0.8% -2.2% 8.1% -0.7%
Cur.Assets 3,107,894.00
2,981,976.00
3,162,435.00
3,209,256.00
3,214,547.00
growth rate -4.1% 6.1% 1.5% 0.2%
Total Assets 22,863,259.00
22,472,927.00
22,699,737.00
23,199,089.00
22,662,944.00
growth rate -1.7% 1.0% 2.2% -2.3%
Cash 1,600,425.00
1,481,694.00
1,538,687.00
1,445,070.00
1,365,770.00
growth rate -7.4% 3.9% -6.1% -5.5%
Cur.Liabilities 2,239,920.00
2,281,372.00
2,174,107.00
2,365,148.00
2,334,796.00
growth rate 1.9% -4.7% 8.8% -1.3%
Liabilities 19,724,313.00
19,504,541.00
19,720,246.00
20,262,123.00
19,975,940.00
growth rate -1.1% 1.1% 2.8% -1.4%
LT Debt 558,191.00
754,972.00
558,191.00
558,191.00
558,191.00
growth rate 35.3% -26.1% 0.0% 0.0%
Equity 3,111,797.00
2,941,677.00
2,952,421.00
2,910,429.00
2,659,760.00
growth rate -5.5% 0.4% -1.4% -8.6%
Common Shares 100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 1,247,628.00
972,053.00
1,429,250.00
1,512,806.00
1,038,418.00
growth rate -22.1% 47.0% 5.9% -31.4%
Op.Income 30,172.00
98,212.00
125,401.00
-50,067.00
165,013.00
growth rate 225.5% 27.7% -100.0% 100.0%
IBT 39,341.00
91,743.00
112,963.00
-50,097.00
175,758.00
growth rate 133.2% 23.1% -100.0% 100.0%
Net Income 21,901.00
56,422.00
83,863.00
-37,562.00
128,780.00
growth rate 157.6% 48.6% -100.0% 100.0%
Gross Profit 200,413.00
276,666.00
298,552.00
118,679.00
337,676.00
growth rate 38.1% 7.9% -60.3% 184.5%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (26.85)

YOY Growth Grade:

E (18.09)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.71 14.03
EPS / Growth 1.92

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.8% 4.8% 4.8%
Future PE 0.01 7.75 7.75
Future EPS 3.05 3.05 3.05
Value Price
MOS %
0.01
-100.0%
5.85
-78.2%
5.85
-78.2%
MOS Price 0.00 2.92 2.92
IRT 10.60 10.60 10.60

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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