Sompo HoldingsNHOLF 81 PB Ratio is 1.03 as of Jun. 26, 2026, which is 13% above its 10-year median of 0.91. GuruFocus rates NHOLF with a GF Score™ of 81/100 and a GF Value™ of $22.81 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 497 Insurance companies, Sompo Holdings ranks better than 64.19% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), Sompo Holdings's share price is $37.4675. Sompo Holdings's Book Value per Share for the quarter that ended in Mar. 2026 was $36.50. Hence, Sompo Holdings's PB Ratio of today is 1.03.
Warning Sign:
Sompo Holdings Inc stock PB Ratio (=1.05) is close to 1-year high of 1.12.
The historical rank and industry rank for Sompo Holdings's PB Ratio or its related term are showing as below:
NHOLF'
s PB Ratio Range Over the Past 10 Years
Min: 0.51 Med: 0.91 Max: 1.55
Current: 1.05
During the past 13 years, Sompo Holdings's highest PB Ratio was 1.55. The lowest was 0.51. And the median was 0.91.
NHOLF's PB Ratio is ranked better than 64.19% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs NHOLF: 1.05
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.
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.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Sompo Holdings PB Ratio Related Terms
Sompo Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for Sompo Holdings's PB Ratio 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.
For the Insurance - Property & Casualty subindustry, Sompo Holdings's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Sompo Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Sompo Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Sompo Holdings's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Sompo Holdings (NHOLF) has a PB Ratio of 1.03 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Sompo Holdings and its competitors. This is 13% above median its historical median of 0.91. Over the past decade, Sompo Holdings' PB Ratio has ranged from 0.51 to 1.55. According to the industry distribution chart, Sompo Holdings ranks #178 out of 497 companies in the Insurance industry, placing it in the top 35.8%.
Is Sompo Holdings' PB Ratio too high?
Sompo Holdings' current PB Ratio of 1.03 is 13% above median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.55. The Insurance industry median PB Ratio is 1.38. Sompo Holdings' value of 1.03 is 25.4% below this industry median. Based on the distribution chart, Sompo Holdings ranks #178 out of 497 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' PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Sompo Holdings ranks #178 out of 497 companies for PB Ratio. This puts Sompo Holdings in the upper half of its industry. The industry median PB Ratio is 1.38. Sompo Holdings' value of 1.03 is 25.4% below this benchmark. Historically, Sompo Holdings' own PB Ratio has ranged from 0.51 to 1.55 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 1.38, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sompo Holdings's current PB Ratio of 1.03 is 25.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Sompo Holdings and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sompo Holdings's current PB Ratio is 1.03, which is 13% above median its own 10-year median of 0.91. 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 $22.81, compared to a current price of $37.47 — trading 64.3% above its estimated fair value. The current PB Ratio is 1.03, which is 13% above median its 10-year median of 0.91 and 25.4% below the Insurance industry median of 1.38. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Sompo Holdings (NHOLF), the current PB Ratio is 1.03 as of Jun. 26, 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 64.3% above its estimated GF Value™ of $22.81.
GuruFocus considers Sompo Holdings to be Significantly Overvalued.
Key valuation signals for NHOLF:
PB Ratio: 1.03 (13% above median its 10-year median of 0.91)
GF Value™: $22.81 vs. price of $37.47 (64.3% above fair value)
Industry Position: 25.4% below the Insurance median (#178 of 497)
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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