Sompo HoldingsNHOLF 81 Interest Coverage is 24.72 as of Mar. 2026, which is 42% above its 10-year median of 17.43. GuruFocus rates NHOLF with a GF Score™ of 81/100 and a GF Value™ of $21.64 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 351 Insurance companies, Sompo Holdings ranks better than 64.96% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Sompo Holdings's
EBIT
for the
three
months ended in Mar. 2026 was $1,086 Mil. Sompo Holdings's Interest Expense for the
three
months ended in Mar. 2026 was $-44 Mil.
Sompo Holdings's interest coverage for the quarter that ended in Mar. 2026 was 24.72.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Sompo Holdings's Interest Coverage or its related term are showing as below:
NHOLF'
s Interest Coverage Range Over the Past 10 Years
Min: 4.16 Med: 17.43 Max: 38.97
Current: 35.35
NHOLF's Interest Coverage is ranked better than 64.96% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs NHOLF: 35.35
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Sompo Holdings Interest Coverage Related Terms
Sompo Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Sompo Holdings's Interest Coverage 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: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NHOLF vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Sompo Holdings's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Sompo Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Sompo Holdings's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 24.72 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sompo Holdings and its competitors. This is 42% above median its historical median of 17.43. Over the past decade, Sompo Holdings' Interest Coverage has ranged from 4.16 to 38.97. According to the industry distribution chart, Sompo Holdings ranks #123 out of 351 companies in the Insurance industry, placing it in the top 35%.
Is Sompo Holdings' Interest Coverage too high?
Sompo Holdings' current Interest Coverage of 24.72 is 42% above median its 10-year median of 17.43. Over the past 10 years, this metric has ranged from a low of 4.16 to a high of 38.97. The Insurance industry median Interest Coverage is 16.23. Sompo Holdings' value of 24.72 is 52.3% above this industry median. Based on the distribution chart, Sompo Holdings ranks #123 out of 351 companies in the Insurance industry, which is above the industry midpoint. 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' Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Sompo Holdings ranks #123 out of 351 companies for Interest Coverage. This puts Sompo Holdings in the upper half of its industry. The industry median Interest Coverage is 16.23. Sompo Holdings' value of 24.72 is 52.3% above this benchmark. Historically, Sompo Holdings' own Interest Coverage has ranged from 4.16 to 38.97 over the past decade. While the company's 10-year median is 17.43 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sompo Holdings's current Interest Coverage of 24.72 is 52.3% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sompo Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sompo Holdings's current Interest Coverage is 24.72, which is 42% above median its own 10-year median of 17.43. 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 $21.64, compared to a current price of $37.47 — trading 73.1% above its estimated fair value. The current Interest Coverage is 24.72, which is 42% above median its 10-year median of 17.43 and 52.3% above the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Sompo Holdings (NHOLF), the current Interest Coverage is 24.72 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 73.1% above its estimated GF Value™ of $21.64.
GuruFocus considers Sompo Holdings to be Significantly Overvalued.
Key valuation signals for NHOLF:
Interest Coverage: 24.72 (42% above median its 10-year median of 17.43)
GF Value™: $21.64 vs. price of $37.47 (73.1% above fair value)
Industry Position: 52.3% above the Insurance median (#123 of 351)
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
Get the complete analysis for NHOLF
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NHOLF has been successfully added to your 
