MS&AD Insurance Group Holdings is tracked as a listed Japanese insurance holding company, headquartered in Japan. MS&AD presents a differentiated Japanese holding-company structure with two core domestic non-life insurers, separate life companies, international operations, and a disclosed later reorganization that demands strict time and entity controls.
Source-reviewed company references
MS&AD Insurance Group Holdings: Domestic Non-Life Structure Strategy / corporate structure
The document records the planned merger of the two core domestic non-life insurers and intended transition from a two-company structure.
Why it matters: This card anchors MS&AD Insurance Group Holdings evidence from Domestic Non-Life Structure Strategy / corporate structure and preserves the stated disclosure scope.
Browser-reviewed; command-line retrieval returned HTTP 403. Treat the transaction as a later plan, not a completed legal change.
Browser-reviewed; command-line retrieval returned HTTP 403. Treat the transaction as a later plan, not a completed legal change.
MS&AD Insurance Group Holdings: FY2025 Summary of Financial Statements / full-year results
Ordinary income was JPY 7,653,030 million, ordinary profit JPY 1,120,230 million, parent-attributable net income JPY 787,339 million, and total assets JPY 28,640,815 million.
Why it matters: This card anchors MS&AD Insurance Group Holdings evidence from FY2025 Summary of Financial Statements / full-year results and preserves the stated disclosure scope.
HTTP 200 exchange-hosted PDF reviewed. The Japanese original prevails; retain JPY millions and consolidated scope.
HTTP 200 exchange-hosted PDF reviewed. The Japanese original prevails; retain JPY millions and consolidated scope.
MS&AD Insurance Group Holdings: Insurance-Sector Constituent Support / exchange record
The exchange document supports the listed-parent name, code, and Japanese insurance-sector identity.
Why it matters: This card anchors MS&AD Insurance Group Holdings evidence from Insurance-Sector Constituent Support / exchange record and preserves the stated disclosure scope.
HTTP 200 PDF reviewed. Exclude live market and valuation data.
HTTP 200 PDF reviewed. Exclude live market and valuation data.
MS&AD Insurance Group Holdings: Consolidated Solvency Disclosure / regulatory capital
The consolidated solvency margin ratio was 708.7%, compared with 771.8% at 2024-03-31.
Why it matters: This card anchors MS&AD Insurance Group Holdings evidence from Consolidated Solvency Disclosure / regulatory capital and preserves the stated disclosure scope.
Browser-reviewed; command-line retrieval returned HTTP 403. Preserve statutory methodology and date; the ratio is not a recommendation.
Browser-reviewed; command-line retrieval returned HTTP 403. Preserve statutory methodology and date; the ratio is not a recommendation.
MS&AD Insurance Group Holdings: Integrated Report 2024 / annual report
The report supports the listed parent, five business domains, group-company map, and separate ratings for the holding company and named operating insurers.
Why it matters: This card anchors MS&AD Insurance Group Holdings evidence from Integrated Report 2024 / annual report and preserves the stated disclosure scope.
Browser-reviewed; command-line retrieval returned HTTP 403. Use older report facts only for their stated period and entity.
Browser-reviewed; command-line retrieval returned HTTP 403. Use older report facts only for their stated period and entity.
Full company reference archive
View the complete source-reviewed company reference archive, including reporting periods, source dates, reviewed dates, methodology notes, reader cautions, and official source links.
Business And Entity Overview
The strongest current financial evidence is the exchange-hosted FY2025 filing. Official static annual-report, solvency, and strategy documents remain reviewable through document parsing but may return HTTP 403 to command-line clients. The profile is bounded to MS&AD Insurance Group Holdings, Inc and the consolidated or parent scope identified by each source. It does not transfer group figures automatically to every licensed insurer, branch, brand, or other subsidiary.
Source-Reviewed Evidence
- FY2025 Summary of Financial Statements / full-year results (FY2025, year ended 2026-03-31). Ordinary income was JPY 7,653,030 million, ordinary profit JPY 1,120,230 million, parent-attributable net income JPY 787,339 million, and total assets JPY 28,640,815 million. Scope: MS&AD Insurance Group Holdings consolidated under Japanese GAAP. Caution: HTTP 200 exchange-hosted PDF reviewed. The Japanese original prevails; retain JPY millions and consolidated scope.
- Integrated Report 2024 / annual report (Integrated Report 2024, published 2025). The report supports the listed parent, five business domains, group-company map, and separate ratings for the holding company and named operating insurers. Scope: MS&AD Holdings and named group businesses. Caution: Browser-reviewed; command-line retrieval returned HTTP 403. Use older report facts only for their stated period and entity.
- Consolidated Solvency Disclosure / regulatory capital (As of 2025-03-31). The consolidated solvency margin ratio was 708.7%, compared with 771.8% at 2024-03-31. Scope: MS&AD Insurance Group consolidated under the then-applicable statutory calculation. Caution: Browser-reviewed; command-line retrieval returned HTTP 403. Preserve statutory methodology and date; the ratio is not a recommendation.
- Domestic Non-Life Structure Strategy / corporate structure (Published 2025-03-28; planned around April 2027). The document records the planned merger of the two core domestic non-life insurers and intended transition from a two-company structure. Scope: Mitsui Sumitomo Insurance and Aioi Nissay Dowa Insurance. Caution: Browser-reviewed; command-line retrieval returned HTTP 403. Treat the transaction as a later plan, not a completed legal change.
- Insurance-Sector Constituent Support / exchange record (Constituents as of 2026-03-31). The exchange document supports the listed-parent name, code, and Japanese insurance-sector identity. Scope: MS&AD Insurance Group Holdings security code 8725. Caution: HTTP 200 PDF reviewed. Exclude live market and valuation data.
Entity Boundary
Use MS&AD Insurance Group Holdings as the listed parent and the consolidated group only where the source says so. Mitsui Sumitomo Insurance, Aioi Nissay Dowa Insurance, MS Amlin, the life insurers, and other subsidiaries remain separate entities; the announced domestic non-life merger is prospective. Do not describe the planned Mitsui Sumitomo Insurance and Aioi Nissay Dowa Insurance merger as completed. Keep holding-company, consolidated, and operating-insurer ratings and capital measures separate.
Lines And Geographic Context
The reviewed source pack supports connections to Property and Casualty, Life and Health, Reinsurance. Japan is the home-jurisdiction reference; other geographies require their own segment or legal-entity support.
Why This Profile Exists
Keeping the 5 reviewed source cards together gives readers a stable route from corporate identity to periodic reporting, capital or regulatory context, and public listing or profile evidence. The profile does not present a score, comparison table, or commercial recommendation.
Reader Note
This profile is source-led reference material. Periodic figures retain the source's metric label, unit, reporting period, and entity scope. Ratings, regulatory measures, listing records, and issuer-defined measures are contextual evidence, not standalone judgments about financial strength, suitability, security value, product choice, pricing, or available insurance capacity.