- JP-listed companies
- MS&AD Insurance Group Holdings, Inc.
MS&AD Insurance Group Holdings, Inc.JP:8725
Market cap
¥5.33T
P/E ratio
36.5x
| Mar 31, 2013 | Mar 31, 2014 | Mar 31, 2015 | Mar 31, 2016 | Mar 31, 2017 | Mar 31, 2018 | Mar 31, 2019 | Mar 31, 2020 | Mar 31, 2021 | Mar 31, 2022 | Mar 31, 2023 | Mar 31, 2024 | |
| Profit (loss) before income taxes | 123,915 | 148,840 | 219,822 | 257,094 | 282,605 | 244,307 | 279,842 | 12,505 | 201,727 | 370,027 | 296,605 | 462,263 |
| Depreciation | 37,549 | 45,841 | 47,635 | 43,746 | 62,184 | 64,014 | 59,483 | 65,613 | 72,348 | 84,806 | 93,105 | 103,192 |
| Impairment losses | 1,031 | 947 | 1,944 | 10,129 | 5,512 | 14,724 | 2,936 | 173,611 | 1,949 | 2,684 | 1,801 | 11,839 |
| Amortization of goodwill | 6,159 | 6,479 | 14,436 | 6,281 | 11,393 | 11,741 | 14,633 | 12,737 | 11,712 | 12,305 | 13,888 | 17,827 |
| Increase (decrease) in outstanding claims | -58,764 | 36,067 | -446 | 29,336 | 82,392 | 160,203 | 68,042 | -67,233 | 123,275 | 126,516 | 130,527 | 187,909 |
| Increase (decrease) in policy reserve and other | 562,303 | 461,591 | 690,272 | 737,163 | 903,095 | 546,085 | 691,707 | 186,053 | 201,047 | 249,527 | -4,722 | 524,218 |
| Increase (decrease) in allowance for doubtful accounts | 950 | 10,567 | -10,038 | -4,170 | 1,542 | -1,348 | -193 | 3,145 | 1,202 | -6,426 | 834 | 3,368 |
| Increase (decrease) in provision for retirement benefits for directors (and other officers) | -208 | -195 | -167 | -156 | -156 | -101 | -124 | -88 | -84 | -64 | -42 | -45 |
| Increase (decrease) in provision for bonuses | 574 | 806 | 1,939 | -74 | -3,096 | -1,239 | 764 | 461 | 115 | 960 | -2,818 | 4,687 |
| Increase (decrease) in provision for share awards | - | - | - | - | - | - | - | - | - | - | 1,009 | 1,009 |
| Decrease (increase) in retirement benefit asset | - | - | - | - | - | - | - | - | - | - | -19,911 | -7,455 |
| Increase (decrease) in retirement benefit liability | - | 762 | -642 | 1,521 | 2,078 | 6,700 | -1,645 | -10,352 | -3,475 | -26,016 | 3,232 | 795 |
| Increase (decrease) in reserve for price fluctuation | 24,618 | 33,101 | 69,684 | 24,293 | 33,928 | -42,032 | 20,320 | -35,848 | 107,575 | 21,405 | 11,616 | -46,126 |
| Interest and dividend income | -199,338 | -224,123 | -253,616 | -268,620 | -272,556 | -286,229 | -304,142 | -304,514 | -293,587 | -302,615 | -345,468 | -427,085 |
| Loss (gain) on money held in trust | -183,944 | -19,675 | -88,941 | 16,337 | -15,075 | 4,967 | -75,272 | -17,299 | -212,815 | -156,698 | -162,912 | -249,668 |
| Loss (gain) related to securities | -30,233 | -74,705 | -146,381 | -117,355 | -127,655 | -171,357 | -152,687 | -120,868 | -255,609 | -127,990 | -87,771 | -213,823 |
| Loss (gain) on financial derivatives | -1,982 | -4,230 | 6,342 | -17,237 | 31,628 | 14,498 | 9,331 | 18,547 | 46,838 | 28,062 | -44,502 | 58,450 |
| Loss (gain) on separate accounts | -373,755 | -334,955 | -350,206 | 76,153 | -81,380 | -115,299 | -43,162 | 57,457 | -311,765 | -58,239 | 32,700 | -218,611 |
| Interest expenses | 7,869 | 8,248 | 7,052 | 7,432 | 8,986 | 9,057 | 10,960 | 13,363 | 14,599 | 15,482 | 10,383 | 10,453 |
| Foreign exchange losses (gains) | -6,742 | -20,953 | 24,795 | 77,069 | -31,703 | 112,731 | 65,348 | 319,557 | -393,298 | -166,796 | -28,571 | -200,412 |
| Loss (gain) related to property, plant and equipment | 732 | -926 | -4,281 | -198 | -1,090 | -5,580 | -10,582 | -2,319 | -3,949 | -11,977 | -30,006 | -13,461 |
| Share of loss (profit) of entities accounted for using equity method | 3,702 | 9,606 | -1,302 | -2,245 | -2,112 | -3,017 | -3,751 | 30,878 | 6,601 | -16,711 | 2,898 | -18,759 |
| Decrease (increase) in other investing and financing activities assets | -54,521 | 84,768 | -38,598 | -12,290 | -70,445 | 13,828 | -201,857 | -30,875 | 52,791 | -39,250 | -10,993 | -33,533 |
| Increase (decrease) in other investing and financing activities liabilities | 61,301 | 12,163 | 72,236 | 53,871 | 6,834 | -4,921 | 85,128 | 76,050 | -6,415 | -11,216 | 91,225 | 48,001 |
| Other, net | 8,989 | 10,291 | -3,013 | -2,454 | -19,868 | -10,068 | -481 | -22,530 | -22,378 | -26,820 | 54,428 | 46,209 |
| Subtotal | -64,898 | 190,316 | 258,526 | 915,623 | 829,139 | 555,908 | 504,754 | 355,302 | -673,140 | -39,047 | -169,676 | 51,246 |
| Interest and dividends received | 212,527 | 364,735 | 406,187 | 413,020 | 355,139 | 407,933 | 402,460 | 401,686 | 394,404 | 400,993 | 447,284 | 517,116 |
| Interest paid | -7,959 | -8,267 | -7,044 | -7,315 | -10,628 | -8,626 | -10,872 | -13,259 | -14,566 | -15,768 | -10,449 | -10,449 |
| Income taxes refund (paid) | -20,917 | -56,833 | -29,485 | -30,310 | -86,701 | -132,575 | -119,619 | -75,833 | -30,609 | -109,469 | -73,004 | -8,446 |
| Net cash provided by (used in) operating activities | 118,751 | 489,950 | 628,184 | 1,291,017 | 1,086,948 | 822,640 | 776,724 | 667,896 | -323,912 | 236,708 | 194,153 | 549,466 |
| Net decrease (increase) in deposits | -11,189 | 7,047 | 3,996 | -6,378 | -1,112 | -18,260 | 13,029 | 20,391 | -4,198 | 6,289 | -37,643 | -97,929 |
| Purchase of monetary claims bought | -9,495 | -39,490 | -5,998 | - | - | -2,601 | -9,027 | -18,809 | -19,828 | - | -4,812 | -13,670 |
| Proceeds from sale and redemption of monetary claims bought | 14,719 | 53,817 | 14,756 | 8,033 | 17,191 | 37,842 | 49,750 | 15,982 | 2,127 | 10,577 | 12,135 | 6,208 |
| Increase in money held in trust | -230,924 | -353,145 | -215,680 | -456,026 | -206,384 | -128,508 | -636,742 | -232,980 | -380,662 | -513,061 | -487,409 | -581,487 |
| Decrease in money held in trust | 175,246 | 191,377 | 336,392 | 153,046 | 78,917 | 52,173 | 222,626 | 116,399 | 553,405 | 292,136 | 512,110 | 478,643 |
| Purchase of securities | -2,066,266 | -2,774,410 | -2,959,364 | -2,557,765 | -3,136,168 | -3,595,276 | -3,929,183 | -4,537,656 | -4,423,413 | -3,688,774 | -3,523,042 | -3,916,860 |
| Proceeds from sale and redemption of securities | 1,965,245 | 2,400,883 | 2,465,036 | 2,340,374 | 2,577,663 | 2,845,276 | 3,717,595 | 4,434,208 | 4,759,491 | 3,915,082 | 4,184,931 | 4,005,148 |
| Loan advances | -226,847 | -209,811 | -220,142 | -350,336 | -212,875 | -198,795 | -197,312 | -226,329 | -213,370 | -196,039 | -211,739 | -219,790 |
| Proceeds from collection of loans receivable | 304,786 | 269,466 | 248,124 | 244,814 | 212,220 | 184,210 | 178,346 | 200,104 | 197,834 | 195,900 | 234,847 | 235,058 |
| Net increase (decrease) in cash collateral received for securities lent | - | - | - | - | - | - | - | 62,989 | 76,465 | 23,151 | 10,125 | -1,655 |
| Other, net | -15,386 | -49,029 | -35,300 | 23,955 | 21,800 | 6,901 | 10,293 | 11,452 | -8,842 | -45,671 | -128,777 | -107,403 |
| Total of net cash provided by (used in) investment transactions | -100,356 | -503,545 | -366,994 | -599,394 | -574,934 | -821,886 | -159,649 | -210,064 | 126,042 | -409 | 560,726 | -213,736 |
| Total of net cash provided by (used in) operating activities and investment transactions | 18,395 | -13,594 | 261,189 | 691,622 | 512,013 | 754 | 617,075 | 457,831 | -197,869 | 236,298 | 754,879 | 335,730 |
| Purchase of property, plant and equipment | -24,598 | -29,624 | -22,809 | -22,016 | -20,158 | -20,291 | -32,399 | -32,021 | -33,696 | -28,130 | -24,625 | -22,877 |
| Proceeds from sale of property, plant and equipment | 8,963 | 9,634 | 13,599 | 5,021 | 8,922 | 14,461 | 16,418 | 7,439 | 10,954 | 20,594 | 48,588 | 23,286 |
| Purchase of intangible assets | -49,177 | -24,944 | -15,702 | -18,832 | -27,608 | -47,645 | -75,584 | -78,519 | -57,407 | -53,020 | -57,007 | -62,063 |
| Purchase of shares of subsidiaries resulting in change in scope of consolidation | - | - | -17,271 | -574,189 | - | -85,341 | - | -9,715 | - | -10,101 | -45,002 | - |
| Other, net | -79 | -656 | -1,493 | -1,013 | -1,119 | -2,401 | -1,202 | -1,152 | -1,967 | -908 | -1,725 | -1,433 |
| Net cash provided by (used in) investing activities | -165,248 | -549,136 | -410,671 | -1,217,980 | -614,899 | -963,105 | -252,417 | -330,363 | 43,925 | -71,976 | 480,953 | -276,825 |
| Repayments of borrowings | - | - | - | -240,000 | -141,389 | -30,342 | -45,386 | -167,648 | - | - | -98,381 | -100,000 |
| Redemption of bonds | -30,000 | -65,000 | - | -70,000 | -33,890 | -28,000 | - | - | -100,000 | -176,191 | -72,000 | - |
| Net increase (decrease) in payables under repurchase agreements | - | - | - | - | - | - | - | - | 110,343 | 116,998 | -22,519 | 30,657 |
| Net increase (decrease) in payables under securities lending transactions | - | - | - | - | - | - | - | 79,080 | 103,510 | 110,259 | 53,229 | 2,279 |
| Purchase of treasury shares | -24 | -5,082 | -20,077 | -30,089 | -39,985 | -70 | -30,029 | -52,019 | -35,036 | -40,847 | -55,745 | -30,375 |
| Dividends paid | -33,565 | -34,147 | -35,189 | -43,242 | -63,151 | -79,887 | -79,286 | -83,861 | -84,928 | -90,264 | -106,753 | -117,133 |
| Dividends paid to non-controlling interests | - | - | -1,325 | -1,281 | -1,098 | -917 | -915 | -1,233 | -1,829 | -3,708 | -2,284 | -3,535 |
| Purchase of shares of subsidiaries not resulting in change in scope of consolidation | - | - | - | -384 | -617 | -964 | -2,359 | - | - | - | -2,471 | -4,385 |
| Other, net | -1,993 | -1,988 | -2,349 | -1,660 | -1,678 | -1,648 | -1,841 | -7,805 | -12,102 | -7,385 | -7,575 | -9,057 |
| Net cash provided by (used in) financing activities | 33,590 | -57,323 | -58,941 | 199,075 | -100,198 | 42,329 | -33,337 | 65,321 | 79,278 | 58,545 | -314,502 | -231,549 |
| Effect of exchange rate change on cash and cash equivalents | 17,643 | 23,776 | 20,201 | -20,508 | -11,451 | 5,738 | -15,949 | -2,701 | -3,537 | 38,504 | 29,610 | 46,236 |
| Net increase (decrease) in cash and cash equivalents | 4,736 | -92,732 | 178,771 | 251,605 | 360,399 | -92,396 | 475,019 | 400,153 | -204,245 | 261,781 | 390,215 | 87,328 |