NHOLF (Sompo Holdings) Scaled Net Operating Assets: 0.29 (As of Mar. 2026)


NHOLF Sompo Holdings Inc NHOLF
82 GF Score
Price $37.47
GF Value $22.81
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Sompo Holdings Scaled Net Operating Assets?

Sompo Holdings NHOLF 82 Scaled Net Operating Assets is 0.29 as of Mar. 2026. GuruFocus rates NHOLF with a GF Score™ of 82/100 and a GF Value™ of $22.81 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sompo Holdings's operating assets for the quarter that ended in Mar. 2026 was $110,086 Mil. Sompo Holdings's operating liabilities for the quarter that ended in Mar. 2026 was $79,200 Mil. Sompo Holdings's Total Assets for the quarter that ended in Dec. 2025 was $107,413 Mil. Therefore, Sompo Holdings's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.29.

NHOLF
82GF Score
Sompo Holdings Inc NHOLF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Sompo Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sompo Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(110085.775-79200.499)/106603.347
=0.29

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=117238.388 - 7152.613
=110085.775

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=83895.062 - 4694.563 - 0
=79200.499

Sompo Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(110085.775-79200.499)/107413.187
=0.29

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=117238.388 - 7152.613
=110085.775

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=83895.062 - 4694.563 - 0
=79200.499

* 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.

What does a Scaled Net Operating Assets of 0.29 mean?
Sompo Holdings (NHOLF) has a Scaled Net Operating Assets of 0.29 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sompo Holdings and its competitors.
Is Sompo Holdings' Scaled Net Operating Assets too high?
Sompo Holdings' current Scaled Net Operating Assets is 0.29. Overall, Sompo Holdings has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sompo Holdings' Scaled Net Operating Assets compare to CB and PGR?
Sompo Holdings' Scaled Net Operating Assets of 0.29 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sompo Holdings and its competitors. Sompo Holdings's current Scaled Net Operating Assets is 0.29. 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 Scaled Net Operating Assets is 0.29. Sompo Holdings' overall GF Score™ is 82/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Sompo Holdings (NHOLF), the current Scaled Net Operating Assets is 0.29 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 64.3% above its estimated GF Value™ of $22.81. GuruFocus considers Sompo Holdings to be Significantly Overvalued.

Key valuation signals for NHOLF:

  • Scaled Net Operating Assets: 0.29
  • GF Value™: $22.81 vs. price of $37.47 (64.3% above fair value)
  • GF Score™: 82/100 with 6 warning signs

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 Business Description

Address 26-1, Nishi-Shinjuku 1-chome, Shinjuku-ku, Tokyo, JPN, 160-8338
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.
82GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.47
Price
$22.81
GF Value