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Company profile

MS&AD Insurance Group Holdings

TypeListed Japanese insurance holding companyHeadquarters / anchor marketJapanLinesLife and healthProperty and casualtyReinsuranceThemesCompany referencesInsurance groupsSource reviewLast reviewed

MS&AD Insurance Group Holdings is a listed Japanese insurance holding company, headquartered in Japan. MS&AD has two core domestic non-life insurers, separate life companies, and international operations; its disclosed domestic reorganization remains prospective.

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Business And Entity Overview

The exchange-hosted FY2025 filing provides the current group financial results. Group, parent-company, segment, and legal-entity figures below apply only to the perimeter stated in each disclosure; they do not automatically apply to every licensed insurer, branch, brand, or subsidiary.

Financial And Reporting Context

  • 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. The figures are stated in JPY millions and apply to the consolidated group.
  • Integrated Report 2024 / annual report (Integrated Report 2024, published 2025). The report identifies 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.
  • 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. The ratio is a historical regulatory measure rather than 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.
  • Insurance-Sector Constituent Support / exchange record (Constituents as of 2026-03-31). The exchange document identifies the listed-parent name, code, and Japanese insurance-sector identity. Scope: MS&AD Insurance Group Holdings security code 8725.

Entity Boundary

MS&AD Insurance Group Holdings is the listed parent; consolidated group figures apply only where stated. Mitsui Sumitomo Insurance, Aioi Nissay Dowa Insurance, MS Amlin, the life insurers, and other subsidiaries remain separate entities; the announced Mitsui Sumitomo Insurance and Aioi Nissay Dowa Insurance merger remains prospective rather than completed. Holding-company, consolidated, and operating-insurer ratings and capital measures apply to different perimeters.

Lines And Geographic Context

MS&AD Insurance Group Holdings is linked to Property and Casualty, Life and Health, Reinsurance. Japan is its home jurisdiction; activities elsewhere are reported through the relevant segment or legal entity.