Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Sompo Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $176 Mil. Sompo Holdings's average total debt for the quarter that ended in Mar. 2026 was $4,572 Mil. Therefore, Sompo Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.84%.
Sompo Holdings (OTCPK:NHOLF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Sompo Holdings Effective Interest Rate on Debt % Related Terms
Sompo Holdings Effective Interest Rate on Debt % Historical Data
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The historical data trend for Sompo Holdings's Effective Interest Rate on 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.
Sompo Holdings Effective Interest Rate on Debt % Chart
NHOLF vs CB, PGR, TRV: Effective Interest Rate on Debt % Comparison
For the Insurance - Property & Casualty subindustry, Sompo Holdings's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sompo Holdings's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Sompo Holdings's Effective Interest Rate on 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 3.84% mean?
Sompo Holdings (NHOLF) has a Effective Interest Rate on Debt % of 3.84% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sompo Holdings and its competitors.
Is Sompo Holdings' Effective Interest Rate on Debt % too high?
Sompo Holdings' current Effective Interest Rate on Debt % is 3.84%. Overall, Sompo Holdings has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sompo Holdings' Effective Interest Rate on Debt % compare to CB and PGR?
Sompo Holdings' Effective Interest Rate on Debt % of 3.84% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sompo Holdings and its competitors. Sompo Holdings's current Effective Interest Rate on Debt % is 3.84%. 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 $21.77, compared to a current price of $37.47 — trading 72.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.84%. Sompo Holdings' overall GF Score™ is 81/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Sompo Holdings (NHOLF), the current Effective Interest Rate on Debt % is 3.84% 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 $37.47 is trading 72.1% above its estimated GF Value™ of $21.77.
GuruFocus considers Sompo Holdings to be Significantly Overvalued.
Key valuation signals for NHOLF:
Effective Interest Rate on Debt %: 3.84%
GF Value™: $21.77 vs. price of $37.47 (72.1% above fair value)
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.
81GF Score
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