Sompo HoldingsNHOLF 81 3-Year RORE % is 13.28 as of Mar. 2026. GuruFocus rates NHOLF with a GF Score™ of 81/100 and a GF Value™ of $21.68 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 475 Insurance companies, Sompo Holdings ranks better than 54.11% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Sompo Holdings's 3-Year RORE % for the quarter that ended in Mar. 2026 was 13.28%.
The industry rank for Sompo Holdings's 3-Year RORE % or its related term are showing as below:
NHOLF's 3-Year RORE % is ranked better than 54.11% of 475
companies
in the Insurance industry
Industry Median: 11.7
vs NHOLF: 13.28
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Sompo Holdings 3-Year RORE % Related Terms
Sompo Holdings 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Sompo Holdings's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sompo Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Sompo Holdings's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Sompo Holdings (NHOLF) has a 3-Year RORE % of 13.28 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Sompo Holdings and its competitors. According to the industry distribution chart, Sompo Holdings ranks #218 out of 475 companies in the Insurance industry, placing it in the top 45.9%.
Is Sompo Holdings' 3-Year RORE % too high?
Sompo Holdings' current 3-Year RORE % is 13.28. The Insurance industry median 3-Year RORE % is 11.70. Sompo Holdings' value of 13.28 is 13.5% above this industry median. Based on the distribution chart, Sompo Holdings ranks #218 out of 475 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' 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, Sompo Holdings ranks #218 out of 475 companies for 3-Year RORE %. This puts Sompo Holdings in the upper half of its industry. The industry median 3-Year RORE % is 11.70. Sompo Holdings' value of 13.28 is 13.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.70, based on 475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sompo Holdings's current 3-Year RORE % of 13.28 is 13.5% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Sompo Holdings and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sompo Holdings's current 3-Year RORE % is 13.28. 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 $21.68, compared to a current price of $37.47 — trading 72.8% above its estimated fair value. The current 3-Year RORE % is 13.28 and 13.5% above the Insurance industry median of 11.70. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Sompo Holdings (NHOLF), the current 3-Year RORE % is 13.28 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 72.8% above its estimated GF Value™ of $21.68.
GuruFocus considers Sompo Holdings to be Significantly Overvalued.
Key valuation signals for NHOLF:
3-Year RORE %: 13.28
GF Value™: $21.68 vs. price of $37.47 (72.8% above fair value)
Industry Position: 13.5% above the Insurance median (#218 of 475)
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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