Sompo Holdings Inc (NHOLF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Sompo Holdings Inc $44.33, price $43.84, upside +1.1%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Sompo Holdings Inc for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 23, 2026.
How to read this chart
60‑month range $6.21 – $45.13 · fair‑value band $35.36 – $65.39 · the $43.84 price screens below the $44.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 23, 2026.
Follow Sompo Holdings in your weekly email
Every Wednesday you see whether Sompo Holdings is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Sompo Holdings, Inc. provides property and casualty insurance services in Japan and internationally. The company operates through the Domestic Non-Life Insurance Business, Overseas Insurance Business, Domestic Life Insurance Business, and Nursing Care and Seniors Business segments.
Show more
Sompo Holdings, Inc. provides property and casualty insurance services in Japan and internationally. The company operates through the Domestic Non-Life Insurance Business, Overseas Insurance Business, Domestic Life Insurance Business, and Nursing Care and Seniors Business segments. The company offers various P&C insurance products, including direct insurance, as well as security, risk management, assistance, and warranty services. It also provides nursing care and at-home care services for the elderly and their families; health support; and asset management services. The company was formerly known as Sompo Japan Nipponkoa Holdings, Inc. and changed its name to Sompo Holdings, Inc. in October 2016. The company was incorporated in 2010 and is headquartered in Tokyo, Japan.
Stock analysis
Sompo Holdings Inc (NHOLF) currently trades at $43.84, while our model-based Fair Value estimate is $44.33, so the stock looks roughly fairly valued today (gap 1.1%).
Show more
Valuation
How firm this estimate is: it rests on 26 models at a data quality of 95/100, which puts the evidence level at high.
Scenario range: $35.36 (bear) to $65.39 (bull), the price of $43.84 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Sompo Holdings Inc reported revenue of ¥6.3T in FY2026 versus ¥4.1T in FY2022, a compound +11.0%/yr. Reported net income was ¥644B in FY2026, compounding +30.1%/yr from FY2022.
Key figures
Market cap $33.4B · P/E ratio 28.1 · P/S ratio 2.89 · EPS (TTM) $1.56 · Dividend yield 3.4% · Net margin 10.3% · Return on equity 15.8% · Return on assets (EBIT) 2.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −20% fair-value upside, at 1%, NHOLF screens cheaper than that median.
Fair Value models
Bear $35.36Fair Value $44.33Bull $65.39
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.92/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+19.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.5%
Start year 2021 (pandemic). Over 10 years: +6.9% a year
Revenue growth 15 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.1%
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
News mood ⓘNews mood, the average tone of recent news (46 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 116 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Sompo Holdings Inc (NHOLF) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $44.33 versus a price of $43.84, about +1% upside (fairly valued).
What is the fair value of NHOLF?
Our model-based fair value for Sompo Holdings Inc is $44.33 (as of Sep 23, 2026), built from audited fundamentals. The current price: $43.84.
What is the quality score of NHOLF?
Sompo Holdings Inc has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sompo Holdings Inc (NHOLF)?
Our model-based price target is the fair value of $44.33 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $35.36, optimistic scenario $65.39. It is a calculation from audited fundamentals, not an analyst target.
What is the Sompo Holdings Inc stock forecast for 2026?
Our models put fair value at $44.33, about +1% upside versus a price of $43.84 (fairly valued). Cautious scenario $35.36, optimistic scenario $65.39. The calculation is refreshed regularly with new filings.
What is the revenue of Sompo Holdings Inc (NHOLF)?
Sompo Holdings Inc reported trailing-twelve-month revenue of about ¥5.7T (latest available figure, as of Sep 23, 2026).
Does Sompo Holdings Inc pay a dividend?
Sompo Holdings Inc currently shows a dividend yield of about 3.36% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Sompo Holdings Inc (NHOLF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sompo Holdings Inc it is $44.33 per share (as of Sep 23, 2026), against a price of $43.84. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Sompo Holdings Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, NHOLF trades below its calculated fair value: price $43.84, fair value $44.33, a gap of about +1% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NHOLF?
No. The price is what the market pays today ($43.84); the fair value is what the company's own numbers justify ($44.33). For Sompo Holdings Inc the two are $0.4900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sompo Holdings Inc worth?
The market values Sompo Holdings Inc at about $33.4B (market capitalisation, as of Sep 23, 2026). Per share that is $43.84; our models calculate a fair value of $44.33 per share.
What do the bullish and bearish scenarios say about NHOLF?
Our models span a range for Sompo Holdings Inc: cautious scenario $35.36, base $44.33, optimistic $65.39 per share (as of Sep 23, 2026, price $43.84). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NHOLF?
Sompo Holdings Inc trades at a price-to-earnings ratio of 28.1 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $44.33 is built from several models across several years. Other multiples: PEG 2.5, P/B 1.0, P/S 0.9, EV/EBITDA 5.2.
What is the PEG ratio of NHOLF?
The PEG ratio of Sompo Holdings Inc is 2.46 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Sompo Holdings Inc (NHOLF)?
Balance-sheet figures for Sompo Holdings Inc (as of Sep 23, 2026): return on equity 15.8%, debt of 0.14 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is NHOLF from its 52-week high?
Sompo Holdings Inc trades at $43.84, about 3% below its 52-week high of $45.13 and 49% above the low of $29.34 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $44.33 is for.
Which stocks are comparable to Sompo Holdings Inc?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sompo Holdings Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $43.84, calculated fair value $44.33 (+1%), Quality Score 63/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NHOLF calculated?
We run Sompo Holdings Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $44.33, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.9 % above its aggregate fair value. Sompo Holdings Inc currently trades 1 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sompo Holdings Inc (NHOLF)?
The closing price on Sep 25, 2026 was $43.84. Our model-based fair value is $44.33, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sompo Holdings Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($35.36 to $65.39) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Sompo Holdings Inc (NHOLF) come from?
Earnings per share at Sompo Holdings Inc grew +18.5 % a year from 2015 to 2026. Broken into its drivers: revenue per share +8.8 %, EBIT margin +7.4 %, tax rate +1.5 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Sompo Holdings Inc
How large is the market capitalisation of Sompo Holdings Inc (NHOLF)?
The market capitalisation of Sompo Holdings Inc is $33.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sompo Holdings Inc (NHOLF)?
The price-to-sales ratio of Sompo Holdings Inc is 2.89 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sompo Holdings Inc (NHOLF)?
Earnings per share at Sompo Holdings Inc are $1.56 (price ÷ EPS = P/E 28.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sompo Holdings Inc (NHOLF)?
The dividend yield of Sompo Holdings Inc is 3.4% (payout 94.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Sompo Holdings Inc (NHOLF)?
The net margin of Sompo Holdings Inc is 10.3% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sompo Holdings Inc (NHOLF)?
The return on equity (ROE) of Sompo Holdings Inc is 15.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sompo Holdings Inc (NHOLF)?
On an EBIT basis the return on assets of Sompo Holdings Inc is 2.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Sompo Holdings Inc (NHOLF)?
The operating margin of Sompo Holdings Inc is 11.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sompo Holdings Inc (NHOLF)?
Revenue at Sompo Holdings Inc is growing +11.7% versus a year earlier (3y avg +13.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sompo Holdings Inc (NHOLF)?
Earnings per share at Sompo Holdings Inc are growing +213% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sompo Holdings Inc (NHOLF) generate?
The free cash flow of Sompo Holdings Inc is ¥676B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Sompo Holdings Inc (NHOLF) hold?
Sompo Holdings Inc holds more cash than debt, ¥389B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch Sompo Holdings Inc in the live analysis
One click puts Sompo Holdings Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Broad data
Sep 23, 2026