# Sompo Holdings, Inc.

Summary updated: 2026-09-28T14:26:54.301784Z
Canonical: https://finbar.com/research/companies/sompo-holdings

## Overview

Sompo Holdings, Inc. is a Japan-based insurance holding company. Its group provides property and casualty insurance and reinsurance in Japan and internationally, alongside life insurance and nursing-care services. It organizes these activities into two businesses, SOMPO P&C and SOMPO Wellbeing. [1](https://www.sompo-hd.com/en/ir/data/annual/online2025/business/pandc/overview/)[2](https://www.sompo-hd.com/en/ir/data/annual/online2025/business/wellbeing/overview/)

Sompo states its purpose as helping create a future of health, wellbeing and financial protection. The group operates in 29 countries and regions. For the year ended March 31, 2025, it reported approximately ¥5.1 trillion in consolidated insurance revenue and about 54,000 employees. [3](https://www.sompo-hd.com/en/ir/data/annual/online2024/purpose/)[4](https://www.sompo-hd.com/en/group/overseas/?device=pc)[5](https://www.sompo-hd.com/-/media/hd/en/files/doc/pdf/annualreports/2025/annualreport2025_5.pdf?la=en)
[6](https://app.finbar.com/go?id=T5240338)[1](https://www.sompo-hd.com/en/ir/data/annual/online2025/business/pandc/overview/)[2](https://www.sompo-hd.com/en/ir/data/annual/online2025/business/wellbeing/overview/)[3](https://www.sompo-hd.com/en/ir/data/annual/online2024/purpose/)[4](https://www.sompo-hd.com/en/group/overseas/?device=pc)[5](https://www.sompo-hd.com/-/media/hd/en/files/doc/pdf/annualreports/2025/annualreport2025_5.pdf?la=en)

## Products & services

Sompo Holdings’ Japanese property-and-casualty products include Sompo Japan’s THE Kuruma no Hoken, which offers automobile liability, personal-injury and vehicle-damage coverage, and THE Sumai no Hoken, which offers configurable protection for homes and contents against risks including fire, theft and water damage. THE Karada no Hoken offers plans for injuries and, depending on the plan, income loss caused by an inability to work. [7](https://www.sompo-japan.co.jp/kinsurance/automobile/thekuruma/sche/)[8](https://www.sompo-japan.co.jp/kinsurance/habitation/sumai/sche/)[9](https://www.sompo-japan.co.jp/kinsurance/medical/ksyogai/) In the year ended March 2025, automobile insurance accounted for approximately 38% of consolidated net premiums written, fire insurance for 18%, personal accident for 4% and marine for 4%; these are shares of insurance premiums, not total group revenue. [10](https://app.finbar.com/go?id=T17992125)

For commercial customers, Sompo offers property, casualty, marine, cyber, construction, professional-liability and surety insurance, as well as reinsurance. Its cyber offering combines first- and third-party coverage with risk-mitigation and breach-response services, while its agricultural platform, AgriSompo, offers crop and livestock insurance products. [11](https://www.sompo.com/insurance/insurance-capabilities/property)[12](https://www.sompo.com/insurance/insurance-capabilities/casualty)[13](https://www.sompo.com/insurance/insurance-capabilities/marine)[14](https://www.sompo.com/en-us/insurance/insurance-capabilities/cyber)[15](https://www.sompo.com/en-us/insurance/insurance-capabilities/construction)[16](https://www.sompo.com/en-us/insurance/sompo-pro)[17](https://www.sompo.com/en-us/insurance/surety)[18](https://www.agrisompo.com/products/federal-products/crop-and-livestock-income-protection/)[19](https://app.finbar.com/go?id=P116282390)

Sompo Himawari Life sells medical, dementia, income-protection and whole-life insurance, including Health Omamori medical coverage and a policy addressing mild cognitive impairment and dementia. Its Insurhealth proposition pairs insurance with health-support services. [20](https://www.himawari-life.co.jp/product/)[21](https://www.himawari-life.co.jp/product/suport_omamori_health/)[22](https://www.himawari-life.co.jp/product/ninchi/)[23](https://app.finbar.com/go?id=P34693052) Separately, Sompo Care provides residential and at-home nursing-care services. [24](https://app.finbar.com/go?id=P101251309)
[7](https://www.sompo-japan.co.jp/kinsurance/automobile/thekuruma/sche/)[8](https://www.sompo-japan.co.jp/kinsurance/habitation/sumai/sche/)[9](https://www.sompo-japan.co.jp/kinsurance/medical/ksyogai/)[10](https://app.finbar.com/go?id=T17992125)[10](https://app.finbar.com/go?id=T17992125)[10](https://app.finbar.com/go?id=T17992125)[10](https://app.finbar.com/go?id=T17992125)[10](https://app.finbar.com/go?id=T17992125)[10](https://app.finbar.com/go?id=T17992125)[11](https://www.sompo.com/insurance/insurance-capabilities/property)[12](https://www.sompo.com/insurance/insurance-capabilities/casualty)[13](https://www.sompo.com/insurance/insurance-capabilities/marine)[14](https://www.sompo.com/en-us/insurance/insurance-capabilities/cyber)[15](https://www.sompo.com/en-us/insurance/insurance-capabilities/construction)[16](https://www.sompo.com/en-us/insurance/sompo-pro)[17](https://www.sompo.com/en-us/insurance/surety)[18](https://www.agrisompo.com/products/federal-products/crop-and-livestock-income-protection/)[19](https://app.finbar.com/go?id=P116282390)[20](https://www.himawari-life.co.jp/product/)[21](https://www.himawari-life.co.jp/product/suport_omamori_health/)[22](https://www.himawari-life.co.jp/product/ninchi/)[23](https://app.finbar.com/go?id=P34693052)[24](https://app.finbar.com/go?id=P101251309)[7](https://www.sompo-japan.co.jp/kinsurance/automobile/thekuruma/sche/)[8](https://www.sompo-japan.co.jp/kinsurance/habitation/sumai/sche/)[9](https://www.sompo-japan.co.jp/kinsurance/medical/ksyogai/)[11](https://www.sompo.com/insurance/insurance-capabilities/property)[12](https://www.sompo.com/insurance/insurance-capabilities/casualty)[13](https://www.sompo.com/insurance/insurance-capabilities/marine)[14](https://www.sompo.com/en-us/insurance/insurance-capabilities/cyber)[15](https://www.sompo.com/en-us/insurance/insurance-capabilities/construction)[16](https://www.sompo.com/en-us/insurance/sompo-pro)[17](https://www.sompo.com/en-us/insurance/surety)[18](https://www.agrisompo.com/products/federal-products/crop-and-livestock-income-protection/)[20](https://www.himawari-life.co.jp/product/)[21](https://www.himawari-life.co.jp/product/suport_omamori_health/)[22](https://www.himawari-life.co.jp/product/ninchi/)

## Geographic presence

Sompo Holdings is headquartered in Tokyo, Japan. Its geographic footprint combines domestic property and casualty insurance and nursing care operations with an overseas insurance business. As of March 31, 2025, it reported subsidiaries, branches or representative offices in 29 countries and regions across North America, Europe, the Middle East, Asia, Latin America and Oceania. [25](https://www.sompo-hd.com/en/company/summary/)[26](https://www.sompo-hd.com/en/group/overview/)[27](https://www.sompo-hd.com/en/group/overseas/)

Japan and overseas markets are both substantial sources of insurance premiums. For the fiscal year ended March 31, 2025, Sompo reported ¥2,229 billion in net premiums written by Sompo Japan Insurance and ¥1,714 billion by overseas consolidated subsidiaries, against a consolidated total of ¥4,016 billion. These are premiums, not a country-by-country revenue breakdown. Its overseas office network includes locations in Bermuda, the United States and Mexico; its Asian operations include markets such as Singapore, Malaysia, India, China and Indonesia. [28](https://www.sompo-hd.com/-/media/hd/en/files/doc/pdf/e_news2025/e_20250520_2.pdf?la=en)[29](https://www.sompo-intl.com/locations/)[30](https://www.sompo-asia.com/)
[31](https://app.finbar.com/go?id=T13662019)[31](https://app.finbar.com/go?id=T13662019)[31](https://app.finbar.com/go?id=T13662019)[25](https://www.sompo-hd.com/en/company/summary/)[26](https://www.sompo-hd.com/en/group/overview/)[27](https://www.sompo-hd.com/en/group/overseas/)[28](https://www.sompo-hd.com/-/media/hd/en/files/doc/pdf/e_news2025/e_20250520_2.pdf?la=en)[29](https://www.sompo-intl.com/locations/)[30](https://www.sompo-asia.com/)

## Business segments

Sompo Holdings reports four business segments. Domestic P&C insurance primarily underwrites property and casualty insurance and conducts related investment activities in Japan; Overseas insurance primarily conducts property and casualty insurance and investment activities outside Japan. Domestic life insurance primarily underwrites life insurance and conducts related investment activities in Japan, while Nursing care provides nursing-care and related services. Its “Others” category includes the holding company, extended-warranty, digital-related and asset-management businesses. [32](https://app.finbar.com/go?id=P156045458)

For the fiscal year ended March 31, 2025, the approximate shares of total segment sales to external customers, before consolidation adjustments, were Domestic P&C insurance 49.5%, Overseas insurance 36.9%, Domestic life insurance 6.8%, Nursing care 3.9% and Others 3.0%. These are sales shares, not shares of profit or consolidated revenue. [33](https://www.sompo-hd.com/-/media/hd/en/files/doc/pdf/e_news2025/e_20250520_1.pdf?la=en)
[32](https://app.finbar.com/go?id=P156045458)[34](https://app.finbar.com/go?id=T17992120)[34](https://app.finbar.com/go?id=T17992120)[34](https://app.finbar.com/go?id=T17992120)[34](https://app.finbar.com/go?id=T17992120)[34](https://app.finbar.com/go?id=T17992120)[34](https://app.finbar.com/go?id=T17992120)[33](https://www.sompo-hd.com/-/media/hd/en/files/doc/pdf/e_news2025/e_20250520_1.pdf?la=en)

## Company history

Sompo Holdings traces its roots to Tokyo Fire Insurance, established in 1888 as Japan’s first fire insurer, and Nippon Fire Insurance, founded in 1892. These businesses became part of the lineages of Sompo Japan and Nipponkoa, respectively. [35](https://www.sompo-hd.com/en/ir/data/annual/online2019/history/?device=pc)[36](https://www.sompo-hd.com/-/media/hd/en/files/ir/materials/annual/backpdf/koa/2005/annual_report_2005.pdf?la=en)

The present holding company was established in April 2010 as NKSJ Holdings following the integration of Sompo Japan Insurance and Nipponkoa Insurance. The two insurers merged in 2014 to form Sompo Japan Nipponkoa Insurance, and the holding company was renamed Sompo Japan Nipponkoa Holdings. In 2015, the group acquired nursing-care operator Watami no Kaigo, expanding beyond insurance. The holding company adopted the name Sompo Holdings in 2016, and its 2017 acquisition of Endurance Specialty Holdings marked a major expansion in international commercial insurance and reinsurance. [37](https://www.sompo-hd.com/en/company/summary/history/)[38](https://www.sompo-hd.com/-/media/hd/en/files/news/2015/e_20151201_1.pdf?la=ja-JP)[39](https://www.sompo-hd.com/-/media/hd/en/files/news/2017/e_20170329_1.pdf)
[35](https://www.sompo-hd.com/en/ir/data/annual/online2019/history/?device=pc)[36](https://www.sompo-hd.com/-/media/hd/en/files/ir/materials/annual/backpdf/koa/2005/annual_report_2005.pdf?la=en)[37](https://www.sompo-hd.com/en/company/summary/history/)[38](https://www.sompo-hd.com/-/media/hd/en/files/news/2015/e_20151201_1.pdf?la=ja-JP)[39](https://www.sompo-hd.com/-/media/hd/en/files/news/2017/e_20170329_1.pdf)

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1. [www.sompo-hd.com](https://www.sompo-hd.com/en/ir/data/annual/online2025/business/pandc/overview/)
2. [www.sompo-hd.com](https://www.sompo-hd.com/en/ir/data/annual/online2025/business/wellbeing/overview/)
3. [www.sompo-hd.com](https://www.sompo-hd.com/en/ir/data/annual/online2024/purpose/)
4. [www.sompo-hd.com](https://www.sompo-hd.com/en/group/overseas/?device=pc)
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6. [Sompo Holdings, Inc. — Full financial report (2025 Y), p212](https://app.finbar.com/go?id=T5240338)
7. [www.sompo-japan.co.jp](https://www.sompo-japan.co.jp/kinsurance/automobile/thekuruma/sche/)
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10. [Sompo Holdings, Inc. — Press release (2025 Y), p20](https://app.finbar.com/go?id=T17992125)
11. [www.sompo.com](https://www.sompo.com/insurance/insurance-capabilities/property)
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13. [www.sompo.com](https://www.sompo.com/insurance/insurance-capabilities/marine)
14. [www.sompo.com](https://www.sompo.com/en-us/insurance/insurance-capabilities/cyber)
15. [www.sompo.com](https://www.sompo.com/en-us/insurance/insurance-capabilities/construction)
16. [www.sompo.com](https://www.sompo.com/en-us/insurance/sompo-pro)
17. [www.sompo.com](https://www.sompo.com/en-us/insurance/surety)
18. [www.agrisompo.com](https://www.agrisompo.com/products/federal-products/crop-and-livestock-income-protection/)
19. [Sompo Holdings, Inc. — Full financial report (2025 Y), p209](https://app.finbar.com/go?id=P116282390)
20. [www.himawari-life.co.jp](https://www.himawari-life.co.jp/product/)
21. [www.himawari-life.co.jp](https://www.himawari-life.co.jp/product/suport_omamori_health/)
22. [www.himawari-life.co.jp](https://www.himawari-life.co.jp/product/ninchi/)
23. [Sompo Holdings, Inc. — Full financial report (2025 Y), p164](https://app.finbar.com/go?id=P34693052)
24. [Sompo Holdings, Inc. — Full financial report (2025 Y), p25](https://app.finbar.com/go?id=P101251309)
25. [www.sompo-hd.com](https://www.sompo-hd.com/en/company/summary/)
26. [www.sompo-hd.com](https://www.sompo-hd.com/en/group/overview/)
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28. [www.sompo-hd.com](https://www.sompo-hd.com/-/media/hd/en/files/doc/pdf/e_news2025/e_20250520_2.pdf?la=en)
29. [www.sompo-intl.com](https://www.sompo-intl.com/locations/)
30. [www.sompo-asia.com](https://www.sompo-asia.com/)
31. [Sompo Holdings, Inc. — Additional data (2025 Y), p3](https://app.finbar.com/go?id=T13662019)
32. [Sompo Holdings, Inc. — Press release (2025 Y), p16](https://app.finbar.com/go?id=P156045458)
33. [www.sompo-hd.com](https://www.sompo-hd.com/-/media/hd/en/files/doc/pdf/e_news2025/e_20250520_1.pdf?la=en)
34. [Sompo Holdings, Inc. — Press release (2025 Y), p18](https://app.finbar.com/go?id=T17992120)
35. [www.sompo-hd.com](https://www.sompo-hd.com/en/ir/data/annual/online2019/history/?device=pc)
36. [www.sompo-hd.com](https://www.sompo-hd.com/-/media/hd/en/files/ir/materials/annual/backpdf/koa/2005/annual_report_2005.pdf?la=en)
37. [www.sompo-hd.com](https://www.sompo-hd.com/en/company/summary/history/)
38. [www.sompo-hd.com](https://www.sompo-hd.com/-/media/hd/en/files/news/2015/e_20151201_1.pdf?la=ja-JP)
39. [www.sompo-hd.com](https://www.sompo-hd.com/-/media/hd/en/files/news/2017/e_20170329_1.pdf)

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