Sompo Holdings (JP:8630)
:8630
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Sompo Holdings
(8630)
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Rating:76Outperform
Price Target:
¥6,432.00
▲(14.18% Upside)
Action:Reiterated
Date:11/21/25
Sompo Holdings' strong financial performance, characterized by consistent revenue and profit growth, efficient operations, and robust cash flow generation, is the primary driver of its stock score. Technical analysis supports a positive outlook with bullish momentum, although valuation metrics suggest the stock is fairly valued. The absence of earnings call data and corporate events does not impact the score.
Positive Factors
Robust cash flow generation
Consistent operating cash flow exceeding net income indicates strong cash conversion and recurring cash generation from core insurance operations and investment income. This durable cash flow supports reserve funding, reinvestment, dividend capacity and reduces reliance on external financing over the medium term.
Negative Factors
Reliance on liabilities / leverage
A balance sheet that depends materially on liabilities increases sensitivity to underwriting losses, asset shocks or regulatory capital demands. Persistent reliance on leverage can constrain strategic flexibility and require higher capital generation to maintain solvency buffers over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Robust cash flow generation
Consistent operating cash flow exceeding net income indicates strong cash conversion and recurring cash generation from core insurance operations and investment income. This durable cash flow supports reserve funding, reinvestment, dividend capacity and reduces reliance on external financing over the medium term.
Read all positive factors
Sompo Holdings (8630) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥5.63T
Dividend Yield2.82%
Average Volume (3M)2.52M
Price to Earnings (P/E)7.6
Beta (1Y)0.99
Revenue GrowthN/A
EPS GrowthN/A
CountryJP
Employees48,421
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)N/A
Shares Outstanding934,228,760
10 Day Avg. Volume2,771,380
30 Day Avg. Volume2,515,143
Financial Highlights & Ratios
PEG Ratio-0.34
Price to Book (P/B)1.04
Price to Sales (P/S)0.81
P/FCF Ratio8.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥6,705.00Price Target Upside19.03% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Sompo Holdings Business Overview & Revenue Model
Company Description
Sompo Holdings, Inc. provides property and casualty (P&C) insurance services in Japan and internationally. The company operates through Domestic P&C Insurance Business, Overseas Insurance Business, Domestic Life Insurance Business, and Nursing Car...
How the Company Makes Money
Sompo Holdings primarily earns money through insurance operations across non-life, life, and international businesses.
1) Non-life (property & casualty) insurance underwriting: The company collects insurance premiums from individuals and business...
Sompo Holdings Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
75
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.32T | 5.38T | 5.35T | 4.34T | 4.13T | 3.80T |
| Gross Profit | 4.72T | 5.38T | 4.60T | 3.64T | 3.50T | 3.25T |
| EBITDA | 413.36B | 373.06B | 722.78B | 148.22B | 413.06B | 277.37B |
| Net Income | 139.34B | 243.13B | 529.65B | 26.41B | 224.84B | 142.48B |
Balance Sheet | ||||||
| Total Assets | 15.87T | 15.89T | 14.83T | 14.46T | 13.79T | 13.12T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.03T | 1.23T | 1.25T | 1.17T | 1.07T |
| Total Debt | 688.00B | 691.20B | 1.29T | 904.07B | 1.02T | 992.99B |
| Total Liabilities | 11.52T | 11.66T | 11.96T | 11.43T | 11.75T | 11.09T |
| Stockholders Equity | 4.33T | 4.21T | 2.85T | 1.85T | 2.03T | 2.02T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 547.65B | 601.59B | 356.86B | 578.52B | 601.66B |
| Operating Cash Flow | 0.00 | 573.01B | 634.29B | 381.00B | 600.02B | 626.20B |
| Investing Cash Flow | 0.00 | -272.24B | -640.09B | -257.38B | -358.31B | -373.72B |
| Financing Cash Flow | 0.00 | -481.66B | -112.62B | -92.36B | -170.11B | -94.50B |
Sompo Holdings Technical Analysis
Neutral
5633.00
Price Trends
5891.46
Positive
5556.98
Positive
5016.17
Positive
Market Momentum
25.22
Positive
48.51
Neutral
11.64
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8630, the sentiment is Neutral. The current price of 5633 is below the 20-day moving average (MA) of 5974.51, below the 50-day MA of 5891.46, and above the 200-day MA of 5016.17, indicating a neutral trend. The MACD of 25.22 indicates Positive momentum. The RSI at 48.51 is Neutral, neither overbought nor oversold. The STOCH value of 11.64 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8630.
Sompo Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥5.63T | 7.65 | ― | 2.82% | ― | ― | |
74 Outperform | ¥5.94T | 11.86 | 10.61% | 3.26% | 10.30% | 3.49% | |
74 Outperform | ¥14.40T | 13.03 | 20.81% | 3.33% | 2.51% | 0.63% | |
72 Outperform | ¥6.45T | 8.22 | 16.97% | 2.59% | 14.62% | 6.00% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.89T | 14.15 | 7.91% | 2.74% | -6.35% | 16.15% | |
46 Neutral | ¥1.82T | 10.32 | ― | 2.44% | -12.57% | 42.29% |
* Financial Sector Average
JP:8630
Sompo Holdings
6,134.00
1,614.20
35.71%
JP:8750
Dai-ichi Life Holdings
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MS&AD Insurance Group Holdings
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T&D Holdings
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JP:7181
JAPAN POST INSURANCE Co., Ltd.
1,463.50
488.83
50.15%
Sompo Holdings Corporate Events
Sompo Holdings Completes ¥77 Billion Share Buyback Program
Mar 25, 2026
Sompo Holdings has completed a share buyback program authorized by its board in November 2025, repurchasing 13,880,900 common shares for a total of ¥76,999,614,200 through open-market transactions on the Tokyo Stock Exchange. In March 2026 al...
Sompo Updates Regulators on Progress of Business Overhaul After Misconduct Cases
Mar 13, 2026
Sompo Holdings and its main non-life unit Sompo Japan have submitted updated reports to Japan’s Financial Services Agency on the progress of their business improvement plans. These plans respond to regulatory orders tied to fraudulent automo...
Sompo Holdings Advances Large-Scale Share Buyback Program
Mar 4, 2026
Sompo Holdings has reported progress on its ongoing share buyback program, repurchasing 3,124,500 shares of common stock for approximately ¥18.2 billion through open-market transactions on the Tokyo Stock Exchange between February 1 and Febru...
Sompo Completes $3.5 Billion Acquisition of Aspen Insurance
Feb 24, 2026
Sompo Holdings has completed its acquisition of Aspen Insurance Holdings for approximately USD 3.5 billion through its subsidiary Sompo International, in a move that strengthens its global insurance platform and specialty lines capabilities. Aspen...
Sompo Light Vortex to Turn Nousouken into Consolidated Subsidiary After Tender Offer
Feb 17, 2026
Sompo Holdings’ digital subsidiary Sompo Light Vortex has completed a tender offer for shares and share acquisition rights of Nousouken Corporation, which is listed on the Tokyo Stock Exchange Growth Market. The offer, launched in late Decem...
Sompo Holdings Overhauls Top Management to Bolster Transformation Strategy
Feb 13, 2026
Sompo Holdings has announced a broad reshuffle of its top management effective April 1, 2026, highlighted by the appointment of Katsuyuki Tajiri as Group CFO, Deputy President and Representative Executive Officer, and the reassignment of current G...
Sompo Holdings Details Nine-Month Results and Issues FY2025 Earnings Outlook
Feb 13, 2026
Sompo Holdings released supplementary information on its consolidated financial results for the nine months ended December 31, 2025, covering group-wide performance under IFRS and detailed results for key insurance subsidiaries. The materials outl...
Sompo Holdings Posts Sharp Profit Surge and Lifts Full-Year Outlook
Feb 13, 2026
Sompo Holdings reported strong consolidated results for the nine months ended Dec. 31, 2025, with insurance revenue rising 3.6% to ¥3.99 trillion and net income attributable to owners of the parent more than doubling to ¥518.4 billion. B...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.