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TYO/8725 (TYO/8725)

Tokyo Stock Exchange: TYO/8725 · JPY

¥5,211

-84.73 (-1.6%)· Recorded snapshot

Market cap	7.5T
Revenue (ttm)	7.5T
Net income (ttm)	869.5B
EPS (ttm)	¥603
Shares out	1.4B
P/E (trailing)	8.6x
P/E (forward)	12.0x
Dividend	¥170 (3.26%)
Volume	4,978,200
Beta	0.32

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	JPY
Country	Japan
Country code	JP
Earnings date	2026-11-19
Employees	46,856
Employees change	8,609
Employees growth	22.51%
Enterprise value	JPY 7.1T
Exchange	Tokyo Stock Exchange
Financial currency	JPY
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	March
Founded	1918
Industry	Insurance - Property & Casualty
Is primary listing	Yes
ISIN number	JP3890310000
Last earnings date	2026-08-14
Last refreshed	2026-10-28
Last stock split date	2024-03-28
Last stock split type	Forward
Market cap	JPY 7.5T
Next earnings date	2026-11-19
Price	JPY 5,211.00
Price currency	JPY
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	tyo/8725
Website	https://www.ms-ad-hd.com

Metric

Value

Amount currency

JPY

Country

Japan

Country code

Earnings date

2026-11-19

Employees

46,856

Employees change

8,609

Employees growth

22.51%

Enterprise value

JPY 7.1T

Exchange

Tokyo Stock Exchange

Financial currency

JPY

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

March

Founded

1918

Industry

Insurance - Property & Casualty

Is primary listing

Yes

ISIN number

JP3890310000

Last earnings date

2026-08-14

Last refreshed

2026-10-28

Last stock split date

2024-03-28

Last stock split type

Forward

Market cap

JPY 7.5T

Next earnings date

2026-11-19

Price

JPY 5,211.00

Price currency

JPY

Sector

Financials

SIC code

6331

Stock price date

2026-10-28

Symbol

tyo/8725

Website

https://www.ms-ad-hd.com

Metric	Value
Average P/E ratio (10Y)	12.69x
Average P/E ratio (3Y)	8.69x
Average P/E ratio (5Y)	10.28x
Earnings yield	11.58%
EV/Earnings	8.2x
EV/EBIT	5.78x
EV/EBITDA	5.28x
EV/FCF	7.76x
EV/Sales	0.95x
FCF / EV yield	12.88%
FCF yield	12.23%
Forward P/E	11.97x
Graham number	7926.32588
Graham upside	52.11%
Lynch fair value	JPY 15,082.11
Lynch upside	189.43%
P/B ratio	1.12x
P/E ratio	8.64x
P/FCF ratio	8.18x
P/OCF ratio	7.87x
P/S ratio	1x
PEG ratio	1.1x
Price / tangible book value	1.18x
Price/EBITDA ratio	5.56x
Sector P/E	12.91x

Metric

Value

Average P/E ratio (10Y)

12.69x

Average P/E ratio (3Y)

8.69x

Average P/E ratio (5Y)

10.28x

Earnings yield

11.58%

EV/Earnings

8.2x

EV/EBIT

5.78x

EV/EBITDA

5.28x

EV/FCF

7.76x

EV/Sales

0.95x

FCF / EV yield

12.88%

FCF yield

12.23%

Forward P/E

11.97x

Graham number

7926.32588

Graham upside

52.11%

Lynch fair value

JPY 15,082.11

Lynch upside

189.43%

P/B ratio

1.12x

P/E ratio

8.64x

P/FCF ratio

8.18x

P/OCF ratio

7.87x

P/S ratio

PEG ratio

1.1x

Price / tangible book value

1.18x

Price/EBITDA ratio

5.56x

Sector P/E

12.91x

Metric	Value
EBIT margin	16.38%
EBITDA margin	17.94%
Effective tax rate	24.84%
FCF margin	13.47%
Gross margin	28.36%
Operating margin	16.38%
Pretax margin	15.44%
Profit margin	11.55%
Profit per employee	JPY 18.6M
Profitable quarters	11
Profitable years	14
Revenue per employee	JPY 160.7M
ROA	2.73%
ROA (5Y)	1.53%
ROCE	4.22%
ROE	16.09%
ROE (5Y)	9.88%
ROIC	11.29%
ROIC (5Y)	9.96%
Tax / revenue	3.84%

Metric

Value

EBIT margin

16.38%

EBITDA margin

17.94%

Effective tax rate

24.84%

FCF margin

13.47%

Gross margin

28.36%

Operating margin

16.38%

Pretax margin

15.44%

Profit margin

11.55%

Profit per employee

JPY 18.6M

Profitable quarters

Profitable years

Revenue per employee

JPY 160.7M

ROA

2.73%

ROA (5Y)

1.53%

ROCE

4.22%

ROE

16.09%

ROE (5Y)

9.88%

ROIC

11.29%

ROIC (5Y)

9.96%

Tax / revenue

3.84%

Metric	Value
EPS growth	30.33%
EPS growth (Q)	49.81%
EPS growth 10Y	24.52%
EPS growth 3Y	65.8%
EPS growth 5Y	43.64%
EPS growth quarters	5
EPS growth years	3
FCF growth 3Y	75.65%
Net income growth	22.44%
Net income growth (Q)	47.5%
Net income growth 3Y	59.89%
Net income growth 5Y	39.19%
Net income growth quarters	2
Net income growth years	3
OCF growth 10Y	-2.98%
OCF growth 3Y	70.01%
Revenue growth	16.19%
Revenue growth (Q)	2.38%
Revenue growth (QoQ)	78.78%
Revenue growth 10Y	4.53%
Revenue growth 3Y	8.28%
Revenue growth 5Y	10.19%
Revenue growth quarters	2
Revenue growth years	5

Metric

Value

EPS growth

30.33%

EPS growth (Q)

49.81%

EPS growth 10Y

24.52%

EPS growth 3Y

65.8%

EPS growth 5Y

43.64%

EPS growth quarters

EPS growth years

FCF growth 3Y

75.65%

Net income growth

22.44%

Net income growth (Q)

47.5%

Net income growth 3Y

59.89%

Net income growth 5Y

39.19%

Net income growth quarters

Net income growth years

OCF growth 10Y

-2.98%

OCF growth 3Y

70.01%

Revenue growth

16.19%

Revenue growth (Q)

2.38%

Revenue growth (QoQ)

78.78%

Revenue growth 10Y

4.53%

Revenue growth 3Y

8.28%

Revenue growth 5Y

10.19%

Revenue growth quarters

Revenue growth years

Metric	Value
EBIT	JPY 1.2T
EBITDA	JPY 1.4T
EPS	JPY 603.28
FCF per share	JPY 637.36
Financing cash flow	JPY -138.8B
Free cash flow	JPY 918.7B
Gross profit	JPY 2.1T
Income taxes	JPY 288.8B
Investing cash flow	JPY -719.5B
Net borrowing	JPY 407.8B
Net cash flow	JPY 172.4B
Net income	JPY 869.5B
Operating income	JPY 1.2T
Revenue	JPY 7.5T

Metric

Value

EBIT

JPY 1.2T

EBITDA

JPY 1.4T

EPS

JPY 603.28

FCF per share

JPY 637.36

Financing cash flow

JPY -138.8B

Free cash flow

JPY 918.7B

Gross profit

JPY 2.1T

Income taxes

JPY 288.8B

Investing cash flow

JPY -719.5B

Net borrowing

JPY 407.8B

Net cash flow

JPY 172.4B

Net income

JPY 869.5B

Operating income

JPY 1.2T

Revenue

JPY 7.5T

Metric	Value
Book value per share	JPY 4,628.49
Debt / EBITDA	1.26
Debt / equity	0.25
Debt / FCF	1.85
Interest coverage	418.96
Net cash (debt)	JPY 439B
Net cash / market cap	5.85%
Net cash growth	-70.13%
Net debt / EBITDA	-0.33
Net debt / equity	-0.07
Net debt / FCF	-0.48
Piotroski F-Score	6
Property, plant and equipment	JPY 375.2B
Shareholders' equity	JPY 6.7T
Tangible book value	JPY 6.3T
Tangible book value per share	JPY 4,403.03
Total assets	JPY 30.1T
Total cash	JPY 2.1T
Total debt	JPY 1.7T
Total liabilities	JPY 23.4T
WACC	4.91%

Metric

Value

Book value per share

JPY 4,628.49

Debt / EBITDA

1.26

Debt / equity

0.25

Debt / FCF

1.85

Interest coverage

418.96

Net cash (debt)

JPY 439B

Net cash / market cap

5.85%

Net cash growth

-70.13%

Net debt / EBITDA

-0.33

Net debt / equity

-0.07

Net debt / FCF

-0.48

Piotroski F-Score

Property, plant and equipment

JPY 375.2B

Shareholders' equity

JPY 6.7T

Tangible book value

JPY 6.3T

Tangible book value per share

JPY 4,403.03

Total assets

JPY 30.1T

Total cash

JPY 2.1T

Total debt

JPY 1.7T

Total liabilities

JPY 23.4T

WACC

4.91%

Metric	Value
Asset turnover	0.27
Current ratio	5.34
Net working capital	JPY 2.5T
Quick ratio	2.39
Working capital	JPY 4T

Metric

Value

Asset turnover

0.27

Current ratio

5.34

Net working capital

JPY 2.5T

Quick ratio

2.39

Working capital

JPY 4T

Metric	Value
Buyback yield / dilution	6.05%
Dividend growth	11.67%
Dividend growth (10Y)	16.95%
Dividend growth (3Y)	31.7%
Dividend growth (5Y)	25.33%
Dividend growth years	0
Dividend payment date	2026-12-04
Dividend payment years	21
Dividend payout frequency	Semi-Annual
Dividend per share	JPY 170.00
Dividend yield	3.26%
Ex-dividend date	2026-09-29
FCF payout ratio	26.28%
Last dividend	JPY 85.00
Payout ratio	27.76%
Shareholder yield	9.31%

Metric

Value

Buyback yield / dilution

6.05%

Dividend growth

11.67%

Dividend growth (10Y)

16.95%

Dividend growth (3Y)

31.7%

Dividend growth (5Y)

25.33%

Dividend growth years

Dividend payment date

2026-12-04

Dividend payment years

Dividend payout frequency

Semi-Annual

Dividend per share

JPY 170.00

Dividend yield

3.26%

Ex-dividend date

2026-09-29

FCF payout ratio

26.28%

Last dividend

JPY 85.00

Payout ratio

27.76%

Shareholder yield

9.31%

Metric	Value
10Y price change	418.85%
10Y return CAGR	23.03%
10Y total return	694.3%
150-day SMA	JPY 4,598.79
15Y price change	891.94%
15Y return CAGR	20.99%
15Y total return	1,643.2%
1D price change	-1.6%
1M price change	3.6%
1M total return	5.36%
1W price change	1.28%
1W total return	1.28%
1Y price change	58.25%
1Y return CAGR	64.22%
1Y total return	64.16%
20-day SMA	JPY 5,033.30
200-day SMA	JPY 4,462.78
20Y price change	212.45%
20Y return CAGR	9.46%
20Y total return	509.49%
3M price change	3.62%
3M total return	5.39%
3Y price change	185.53%
3Y return CAGR	47.67%
3Y total return	222.11%
50-day SMA	JPY 5,045.34
50-day SMA vs 200-day SMA	50over200
52-week high	JPY 5,342.00
52-week high date	2026-10-27
52-week low	JPY 3,108.00
52-week low date	2025-11-05
5Y price change	317.77%
5Y return CAGR	38.96%
5Y total return	418.08%
6M price change	32.56%
6M total return	34.82%
All-time high	JPY 5,342.00
All-time high date	2026-10-27
All-time low	JPY 381.33
All-time low date	2012-06-05
Average true range (ATR)	JPY 120.06
Average volume	4.5M
Beta (1Y)	0.38
Beta (2Y)	0.74
Beta (5Y)	0.32
Change from 52-week high	-2.45%
Change from 52-week low	67.66%
Change from all-time high	-2.45%
Change from all-time low	1,266.52%
Change from open	-0.78%
Day's gap	-0.83%
Dollar volume	JPY 25.9B
High price	JPY 5,317.00
Low price	JPY 5,186.00
Monthly RSI	74.84
Open price	JPY 5,252.00
Position in 52-week range	19.08%
Previous close	JPY 5,296.00
Price vs 150-day SMA	13.31%
Price vs 20-day SMA	3.53%
Price vs 200-day SMA	16.77%
Price vs 50-day SMA	3.28%
Relative volume	1.13
RSI	57.23
Sharpe ratio	1.84
Sharpe ratio (3Y)	1.16
Sharpe ratio (5Y)	1.15
Sortino ratio	3.14
Sortino ratio (3Y)	1.98
Sortino ratio (5Y)	1.95
Volume	5M
Weekly RSI	62.71
YTD price change	41.49%
YTD total return	46.78%

Metric

Value

10Y price change

418.85%

10Y return CAGR

23.03%

10Y total return

694.3%

150-day SMA

JPY 4,598.79

15Y price change

891.94%

15Y return CAGR

20.99%

15Y total return

1,643.2%

1D price change

-1.6%

1M price change

3.6%

1M total return

5.36%

1W price change

1.28%

1W total return

1.28%

1Y price change

58.25%

1Y return CAGR

64.22%

1Y total return

64.16%

20-day SMA

JPY 5,033.30

200-day SMA

JPY 4,462.78

20Y price change

212.45%

20Y return CAGR

9.46%

20Y total return

509.49%

3M price change

3.62%

3M total return

5.39%

3Y price change

185.53%

3Y return CAGR

47.67%

3Y total return

222.11%

50-day SMA

JPY 5,045.34

50-day SMA vs 200-day SMA

50over200

52-week high

JPY 5,342.00

52-week high date

2026-10-27

52-week low

JPY 3,108.00

52-week low date

2025-11-05

5Y price change

317.77%

5Y return CAGR

38.96%

5Y total return

418.08%

6M price change

32.56%

6M total return

34.82%

All-time high

JPY 5,342.00

All-time high date

2026-10-27

All-time low

JPY 381.33

All-time low date

2012-06-05

Average true range (ATR)

JPY 120.06

Average volume

4.5M

Beta (1Y)

0.38

Beta (2Y)

0.74

Beta (5Y)

0.32

Change from 52-week high

-2.45%

Change from 52-week low

67.66%

Change from all-time high

-2.45%

Change from all-time low

1,266.52%

Change from open

-0.78%

Day's gap

-0.83%

Dollar volume

JPY 25.9B

High price

JPY 5,317.00

Low price

JPY 5,186.00

Monthly RSI

74.84

Open price

JPY 5,252.00

Position in 52-week range

19.08%

Previous close

JPY 5,296.00

Price vs 150-day SMA

13.31%

Price vs 20-day SMA

3.53%

Price vs 200-day SMA

16.77%

Price vs 50-day SMA

3.28%

Relative volume

1.13

RSI

57.23

Sharpe ratio

1.84

Sharpe ratio (3Y)

1.16

Sharpe ratio (5Y)

1.15

Sortino ratio

3.14

Sortino ratio (3Y)

1.98

Sortino ratio (5Y)

1.95

Volume

Weekly RSI

62.71

YTD price change

41.49%

YTD total return

46.78%

Metric	Value
Float	1.4B
Shares change (QoQ)	1.67%
Shares change (YoY)	-6.05%
Shares held by insiders	0.07%
Shares held by institutions	54.53%
Shares outstanding	1.4B

Metric

Value

Float

1.4B

Shares change (QoQ)

1.67%

Shares change (YoY)

-6.05%

Shares held by insiders

0.07%

Shares held by institutions

54.53%

Shares outstanding

1.4B

TYO/8725 (TYO/8725)

Price

Financial snapshot

Fair-value bridge

Latest news · TYO/8725

Valuation

Profitability

Balance sheet

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Next earnings

Sector percentile context

All TYO/8725 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TYO/8725

Frequently asked questions