Sompo HoldingsNHOLF 81 Return-on-Tangible-Asset is 2.82% as of Mar. 2026, which is 106% above its 10-year median of 1.37. GuruFocus rates NHOLF with a GF Score™ of 81/100 and a GF Value™ of $21.79 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 507 Insurance companies, Sompo Holdings ranks better than 65.68% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Sompo Holdings's annualizedNet Income for the quarter that ended in Mar. 2026 was $3,069 Mil. Sompo Holdings's average total tangible assets for the quarter that ended in Mar. 2026 was $108,768 Mil. Therefore, Sompo Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 2.82%.
The historical rank and industry rank for Sompo Holdings's Return-on-Tangible-Asset or its related term are showing as below:
NHOLF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.19 Med: 1.37 Max: 4.1
Current: 3.96
During the past 13 years, Sompo Holdings's highest Return-on-Tangible-Asset was 4.10%. The lowest was 0.19%. And the median was 1.37%.
NHOLF's Return-on-Tangible-Asset is ranked better than 65.68% of 507
companies
in the Insurance industry
Industry Median: 2.75
vs NHOLF: 3.96
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Sompo Holdings Return-on-Tangible-Asset Related Terms
Sompo Holdings Return-on-Tangible-Asset Historical Data
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The historical data trend for Sompo Holdings's Return-on-Tangible-Asset 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.
NHOLF vs CB, PGR, TRV: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Sompo Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Sompo Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Sompo Holdings's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.82% mean?
Sompo Holdings (NHOLF) has a Return-on-Tangible-Asset of 2.82% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Sompo Holdings and its competitors. This is 106% above median its historical median of 1.37. Over the past decade, Sompo Holdings' Return-on-Tangible-Asset has ranged from 0.19 to 4.10. According to the industry distribution chart, Sompo Holdings ranks #174 out of 507 companies in the Insurance industry, placing it in the top 34.3%.
Is Sompo Holdings' Return-on-Tangible-Asset too high?
Sompo Holdings' current Return-on-Tangible-Asset of 2.82% is 106% above median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 4.10. The Insurance industry median Return-on-Tangible-Asset is 2.75. Sompo Holdings' value of 2.82% is 2.5% above this industry median. Based on the distribution chart, Sompo Holdings ranks #174 out of 507 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' Return-on-Tangible-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, Sompo Holdings ranks #174 out of 507 companies for Return-on-Tangible-Asset. This puts Sompo Holdings in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.75. Sompo Holdings' value of 2.82% is 2.5% above this benchmark. Historically, Sompo Holdings' own Return-on-Tangible-Asset has ranged from 0.19 to 4.10 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 2.75, 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.75, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sompo Holdings's current Return-on-Tangible-Asset of 2.82% is 2.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Sompo Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sompo Holdings's current Return-on-Tangible-Asset is 2.82%, which is 106% above median its own 10-year median of 1.37. 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 $21.79, compared to a current price of $37.47 — trading 71.9% above its estimated fair value. The current Return-on-Tangible-Asset is 2.82%, which is 106% above median its 10-year median of 1.37 and 2.5% above the Insurance industry median of 2.75. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Sompo Holdings (NHOLF), the current Return-on-Tangible-Asset is 2.82% 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 71.9% above its estimated GF Value™ of $21.79.
GuruFocus considers Sompo Holdings to be Significantly Overvalued.
Key valuation signals for NHOLF:
Return-on-Tangible-Asset: 2.82% (106% above median its 10-year median of 1.37)
GF Value™: $21.79 vs. price of $37.47 (71.9% above fair value)
Industry Position: 2.5% above the Insurance median (#174 of 507)
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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