Sompo Holdings Inc ADR (SMPNY) Fair Value & Analysis
Financial Services · US · Market cap $35.7B · ISIN US83540J1016
Sompo Holdings Inc ADR
SMPNY · US
Strengths
Risks
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 15 days ago
Fair value updated Aug 13, 2026, revised from $30.16 to $19.04 (−36.9%) since Jul 27, 2026. Share price −4.2% over the past month.
A solid business, but trading 13% above our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from $14.28 (bear) to $23.80 (bull), base $19.04. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 64/100 (solid quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range $4.97 – $22.72 · fair‑value band $14.28 – $23.80 · the $21.44 price screens above the $19.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Sompo Holdings Inc ADR (SMPNY) currently trades at $21.44, while our model-based Fair Value estimate is $19.04, implying the stock looks roughly 11.2% overvalued today. The Quality Score stands at 64/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Sompo Holdings Inc ADR generated revenue of $5.7T at a net margin of 11.2%. Revenue grew 11.7% year over year. It earns a return on equity of 15.8%. The balance sheet holds a net cash position of $389B. Fundamentals as of Aug 13, 2026
Our scenario range runs from $14.28 (bear case) to $23.80 (bull case); at $21.44, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 59% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -4% fair-value upside, at -11%, SMPNY screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples ($4,072) versus Asset-Based ($1,949). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 78
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Sompo Holdings Inc ADR reported revenue of ¥6.6T in FY2026 versus ¥4.1T in FY2022, a compound +12.4%/yr. Reported net income was ¥679B in FY2026, compounding +31.8%/yr from FY2022.
of which total revenue +6.4 pp · buybacks/dilution −2.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
SMPNY screens 11% overvalued. Compare with The Progressive Corporation →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Sompo to Acquire Service Insurance Companies, a Leading Monoline Workers’ Compensation Insurance Company
- Sompo announces Henry MacHale as Chief Underwriting Officer and Head of Strategy, International Markets
- Sompo Holdings (TSE:8630) Stock Valuation Check After Recent Mixed Returns
- Sompo appoints Bart Van Gysegem Country Manager, Insurance for Belgium and the Netherlands
Peer Group
Insurance - Property & Casualty · 119 stocks
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.
Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $217.65 | $160.25 | -26% |
| Chubb Limited CB | $338.31 | $234.73 | -31% |
| The Travelers Companies, Inc TRV | $371.15 | $274.42 | -26% |
| The Allstate Corporation ALL | $261.81 | $316.11 | +21% |
| The People's Insurance Company 601319 | ¥7.18 | ¥11.61 | +62% |
| PICC Property and Casualty Company 2328 | HK$15.25 | HK$22.27 | +46% |
| Intact Financial Corporation IFC | C$274.14 | C$167.46 | -39% |
| Fairfax Financial Holdings FFH | C$2,281 | C$2,926 | +28% |
| Cincinnati Financial Corporation CINF | $172.38 | $166.34 | -4% |
| QBE Insurance Group QBE | A$21.93 | A$14.20 | -35% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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