Sompo HoldingsNHOLF 81 Return-on-Tangible-Equity is 10.65% as of Mar. 2026, which is 4% above its 10-year median of 10.27. GuruFocus rates NHOLF with a GF Score™ of 81/100 and a GF Value™ of $21.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 501 Insurance companies, Sompo Holdings ranks better than 57.09% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Sompo Holdings's annualized net income for the quarter that ended in Mar. 2026 was $3,069 Mil. Sompo Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $28,800 Mil. Therefore, Sompo Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.65%.
The historical rank and industry rank for Sompo Holdings's Return-on-Tangible-Equity or its related term are showing as below:
NHOLF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.31 Med: 10.27 Max: 17.72
Current: 15.39
During the past 13 years, Sompo Holdings's highest Return-on-Tangible-Equity was 17.72%. The lowest was 1.31%. And the median was 10.27%.
NHOLF's Return-on-Tangible-Equity is ranked better than 57.09% of 501
companies
in the Insurance industry
Industry Median: 13.51
vs NHOLF: 15.39
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Sompo Holdings Return-on-Tangible-Equity Related Terms
Sompo Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Sompo Holdings's Return-on-Tangible-Equity 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-Equity Comparison
For the Insurance - Property & Casualty subindustry, Sompo Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Sompo Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Sompo Holdings's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.65% mean?
Sompo Holdings (NHOLF) has a Return-on-Tangible-Equity of 10.65% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Sompo Holdings and its competitors. This is near median its historical median of 10.27. Over the past decade, Sompo Holdings' Return-on-Tangible-Equity has ranged from 1.31 to 17.72. According to the industry distribution chart, Sompo Holdings ranks #215 out of 501 companies in the Insurance industry, placing it in the top 42.9%.
Is Sompo Holdings' Return-on-Tangible-Equity too high?
Sompo Holdings' current Return-on-Tangible-Equity of 10.65% is near median its 10-year median of 10.27. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 17.72. The Insurance industry median Return-on-Tangible-Equity is 13.51. Sompo Holdings' value of 10.65% is 21.2% below this industry median. Based on the distribution chart, Sompo Holdings ranks #215 out of 501 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-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Sompo Holdings ranks #215 out of 501 companies for Return-on-Tangible-Equity. This puts Sompo Holdings in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.51. Sompo Holdings' value of 10.65% is 21.2% below this benchmark. Historically, Sompo Holdings' own Return-on-Tangible-Equity has ranged from 1.31 to 17.72 over the past decade. While the company's 10-year median is 10.27 vs. the industry median of 13.51, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.51, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sompo Holdings's current Return-on-Tangible-Equity of 10.65% is 21.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Sompo Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sompo Holdings's current Return-on-Tangible-Equity is 10.65%, which is near median its own 10-year median of 10.27. 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 $21.67, compared to a current price of $37.47 — trading 72.9% above its estimated fair value. The current Return-on-Tangible-Equity is 10.65%, which is near median its 10-year median of 10.27 and 21.2% below the Insurance industry median of 13.51. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Sompo Holdings (NHOLF), the current Return-on-Tangible-Equity is 10.65% 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 72.9% above its estimated GF Value™ of $21.67.
GuruFocus considers Sompo Holdings to be Significantly Overvalued.
Key valuation signals for NHOLF:
Return-on-Tangible-Equity: 10.65% (near median its 10-year median of 10.27)
GF Value™: $21.67 vs. price of $37.47 (72.9% above fair value)
Industry Position: 21.2% below the Insurance median (#215 of 501)
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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