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Sompo HoldingsNHOLF -2.85%84 Cash-to-Debt is 1.24 as of Jun. 2026, which is 34% below its 10-year median of 1.87. GuruFocus rates NHOLF with a GF Score™ of 84/100 and a GF Value™ of $33.89 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 496 Insurance companies, Sompo Holdings ranks worse than 57.86% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Sompo Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.24.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Sompo Holdingscould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Sompo Holdings's Cash-to-Debt or its related term are showing as below:
NHOLF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.25 Med: 1.87 Max: 2.17
Current: 1.25
During the past 13 years, Sompo Holdings's highest Cash to Debt Ratio was 2.17. The lowest was 1.25. And the median was 1.87.
NHOLF's Cash-to-Debt is ranked worse than 57.86% of 496
companies
in the Insurance industry
Industry Median: 2.115
vs NHOLF: 1.25
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Sompo Holdings Cash-to-Debt Related Terms
Sompo Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Sompo Holdings's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Property & Casualty subindustry, Sompo Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Sompo Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Sompo Holdings's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Sompo Holdings (NHOLF) has a Cash-to-Debt of 1.24 as of Jun. 2026. This is 34% below median its historical median of 1.87. Over the past decade, Sompo Holdings' Cash-to-Debt has ranged from 1.25 to 2.17. According to the industry distribution chart, Sompo Holdings ranks #287 out of 496 companies in the Insurance industry, placing it in the top 57.9%.
Is Sompo Holdings' Cash-to-Debt too high?
Sompo Holdings' current Cash-to-Debt of 1.24 is 34% below median its 10-year median of 1.87. Over the past 10 years, this metric has ranged from a low of 1.25 to a high of 2.17. The Insurance industry median Cash-to-Debt is 2.12. Sompo Holdings' value of 1.24 is 41.4% below this industry median. Based on the distribution chart, Sompo Holdings ranks #287 out of 496 companies in the Insurance industry, which is below the industry midpoint. Overall, Sompo Holdings has a GF Score™ of 84/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sompo Holdings' Cash-to-Debt compare to CB and PGR?
According to the Insurance industry distribution chart, Sompo Holdings ranks #287 out of 496 companies for Cash-to-Debt. This places Sompo Holdings in the lower half of its industry. The industry median Cash-to-Debt is 2.12. Sompo Holdings' value of 1.24 is 41.4% below this benchmark. Historically, Sompo Holdings' own Cash-to-Debt has ranged from 1.25 to 2.17 over the past decade. While the company's 10-year median is 1.87 vs. the industry median of 2.12, Sompo Holdings has consistently been below 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 Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.12, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sompo Holdings's current Cash-to-Debt of 1.24 is 41.4% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sompo Holdings's current Cash-to-Debt is 1.24, which is 34% below median its own 10-year median of 1.87. 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 Modestly Overvalued. The stock's GF Value™ is $33.89, compared to a current price of $43.84 — trading 29.4% above its estimated fair value. The current Cash-to-Debt is 1.24, which is 34% below median its 10-year median of 1.87 and 41.4% below the Insurance industry median of 2.12. Sompo Holdings' overall GF Score™ is 84/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Sompo Holdings (NHOLF), the current Cash-to-Debt is 1.24 as of Jun. 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 $43.84 is trading 29.4% above its estimated GF Value™ of $33.89.
GuruFocus considers Sompo Holdings to be Modestly Overvalued.
Key valuation signals for NHOLF:
Cash-to-Debt: 1.24 (34% below median its 10-year median of 1.87)
GF Value™: $33.89 vs. price of $43.84 (29.4% above fair value)
Industry Position: 41.4% below the Insurance median (#287 of 496)
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.
84GF Score
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