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Sompo HoldingsNHOLF 74 3-Year Book Growth Rate is 24.90% as of Mar. 2026, which is 157% above its 10-year median of 9.70. GuruFocus rates NHOLF with a GF Score™ of 74/100 and a GF Value™ of $22.68 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 476 Insurance companies, Sompo Holdings ranks better than 89.29% on this metric.
During the past 12 months, Sompo Holdings's average Book Value per Share Growth Rate was 29.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 24.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 27.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 15.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Sompo Holdings was 31.40% per year. The lowest was -1.50% per year. And the median was 9.70% per year.
Sompo Holdings (OTCPK:NHOLF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Sompo Holdings 3-Year Book Growth Rate Related Terms
NHOLF vs CB, PGR, TRV: 3-Year Book Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Sompo Holdings's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sompo Holdings 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Sompo Holdings's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Sompo Holdings's 3-Year Book Growth Rate falls into.
Sompo Holdings 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 24.90% mean?
Sompo Holdings (NHOLF) has a 3-Year Book Growth Rate of 24.90% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Sompo Holdings and its competitors. This is 157% above median its historical median of 9.70. According to the industry distribution chart, Sompo Holdings ranks #51 out of 476 companies in the Insurance industry, placing it in the top 10.7%.
Is Sompo Holdings' 3-Year Book Growth Rate too high?
Sompo Holdings' current 3-Year Book Growth Rate of 24.90% is 157% above median its 10-year median of 9.70. The Insurance industry median 3-Year Book Growth Rate is 8.30. Sompo Holdings' value of 24.90% is 200% above this industry median. Based on the distribution chart, Sompo Holdings ranks #51 out of 476 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sompo Holdings has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sompo Holdings' 3-Year Book Growth Rate compare to CB and PGR?
According to the Insurance industry distribution chart, Sompo Holdings ranks #51 out of 476 companies for 3-Year Book Growth Rate. This places Sompo Holdings in the top 11% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.30. Sompo Holdings' value of 24.90% is 200% above this benchmark. While the company's 10-year median is 9.70 vs. the industry median of 8.30, Sompo Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.30, based on 476 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sompo Holdings's current 3-Year Book Growth Rate of 24.90% is 200% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Sompo Holdings and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sompo Holdings's current 3-Year Book Growth Rate is 24.90%, which is 157% above median its own 10-year median of 9.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sompo Holdings stock overvalued right now?
Based on GuruFocus' analysis, Sompo Holdings (NHOLF) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.68, compared to a current price of $45.13 — trading 99% above its estimated fair value. The current 3-Year Book Growth Rate is 24.90%, which is 157% above median its 10-year median of 9.70 and 200% above the Insurance industry median of 8.30. Sompo Holdings' overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Sompo Holdings (NHOLF), the current 3-Year Book Growth Rate is 24.90% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sompo Holdings (NHOLF) Overvalued in 2026?
Based on GuruFocus' analysis, Sompo Holdings stock appears to be overvalued.
The current stock price of $45.13 is trading 99% above its estimated GF Value™ of $22.68.
GuruFocus considers Sompo Holdings to be Significantly Overvalued.
Key valuation signals for NHOLF:
3-Year Book Growth Rate: 24.90% (157% above median its 10-year median of 9.70)
GF Value™: $22.68 vs. price of $45.13 (99% above fair value)
Industry Position: 200% above the Insurance median (#51 of 476)
No single metric tells the full story. See the NHOLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sompo Holdings was formed in 2010 through the merger of Sompo Japan and Nipponkoa Insurance. The Sompo brand—meaning "nonlife insurance" in Japanese—dates to 2001, when Yasuda Fire, Nissan Fire, and Taisei Fire combined. Today, Sompo maintains a formidable position in its home market, holding an approximate 28% share of domestic nonlife insurance premiums in Japan, operating in a consolidated oligopoly alongside larger rivals Tokio Marine and MS&AD. Following record-high profitability in fiscal 2025 and the transformative acquisition of Aspen Insurance, the group is aggressively expanding its global footprint, with overseas business and reinsurance now functioning as its primary profit engines, contributing over half of the group's adjusted consolidated profit.
74GF Score
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