Tokio Marine Holdings (HAM:MH6) Margin of Safety % (DCF FCF Based): -75.20% (As of Jun. 27, 2026)


HAM:MH6 Tokio Marine Holdings Inc HAM:MH6
71 GF Score
Price €36.71
GF Value €31.80
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Tokio Marine Holdings Margin of Safety % (DCF FCF Based)?

Tokio Marine Holdings HAM:MH6 -0.81% 71 Margin of Safety % (DCF FCF Based) is -75.20% as of Jun. 27, 2026. GuruFocus rates HAM:MH6 with a GF Score™ of 71/100 and a GF Value™ of €31.80 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-27), Tokio Marine Holdings's Predictability Rank is 3-Stars. Tokio Marine Holdings's intrinsic value calculated from the Discounted FCF model is €97.58 and current share price is €36.705. Consequently,

Tokio Marine Holdings's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -75.20%.

HAM:MH6 vs CB, PGR, TRV: Margin of Safety % (DCF FCF Based) Comparison

For the Insurance - Property & Casualty subindustry, Tokio Marine Holdings's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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.

Tokio Marine Holdings Margin of Safety % (DCF FCF Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, Tokio Marine Holdings's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Tokio Marine Holdings's Margin of Safety % (DCF FCF Based) falls into.


HAM:MH6
71GF Score
Tokio Marine Holdings Inc HAM:MH6
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Tokio Marine Holdings Margin of Safety % (DCF FCF Based) Calculation

Tokio Marine Holdings's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(20.95-36.705)/20.95
=-75.20 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -75.20% mean?
Tokio Marine Holdings (HAM:MH6) has a Margin of Safety % (DCF FCF Based) of -75.20% as of Jun. 27, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Tokio Marine Holdings.
Is Tokio Marine Holdings' Margin of Safety % (DCF FCF Based) too high?
Tokio Marine Holdings' current Margin of Safety % (DCF FCF Based) is -75.20%. Overall, Tokio Marine Holdings has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tokio Marine Holdings' Margin of Safety % (DCF FCF Based) compare to CB and PGR?
Tokio Marine Holdings' Margin of Safety % (DCF FCF Based) of -75.20% 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 Margin of Safety % (DCF FCF Based) for an Insurance company?
A good Margin of Safety % (DCF FCF Based) depends on the Insurance industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Tokio Marine Holdings. Tokio Marine Holdings's current Margin of Safety % (DCF FCF Based) is -75.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tokio Marine Holdings stock overvalued right now?
Based on GuruFocus' analysis, Tokio Marine Holdings (HAM:MH6) is currently considered Modestly Overvalued. The stock's GF Value™ is €31.80, compared to a current price of €36.71 — trading 15.4% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is -75.20%. Tokio Marine Holdings' overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Tokio Marine Holdings (HAM:MH6), the current Margin of Safety % (DCF FCF Based) is -75.20% as of Jun. 27, 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 Tokio Marine Holdings (HAM:MH6) Overvalued in 2026?

Based on GuruFocus' analysis, Tokio Marine Holdings stock appears to be overvalued. The current stock price of €36.71 is trading 15.4% above its estimated GF Value™ of €31.80. GuruFocus considers Tokio Marine Holdings to be Modestly Overvalued.

Key valuation signals for HAM:MH6:

  • Margin of Safety % (DCF FCF Based): -75.20%
  • GF Value™: €31.80 vs. price of €36.71 (15.4% above fair value)
  • GF Score™: 71/100 with 4 warning signs

No single metric tells the full story. See the HAM:MH6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Tokio Marine Holdings Business Description

Address 2-6-4 Otemachi, Chiyoda-ku, Tokyo, JPN, 100-0004
Dating back to 1879, Tokio Marine is the oldest insurance company in Japan and operated as its top property and casualty insurer for decades. Following industry consolidation, it now shares domestic dominance with MS and AD and Sompo. However, Tokio Marine remains by far the most valuable listed Japanese insurer by market capitalization. This premium valuation is driven by an aggressive unwinding of domestic cross-shareholdings and a highly profitable overseas portfolio. The majority of its international business is based in the United States, where it has acquired premium specialty insurers since 2008, including Philadelphia Consolidated, Delphi Financial, Tokio Marine HCC, and Privilege Underwriters Reciprocal Exchange, recently fortified by a capital alliance with Berkshire Hathaway.
71GF Score

Get the complete analysis for HAM:MH6

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.71
Price
€31.80
GF Value