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Credit Ratings & Bond Information

Credit Ratings

(As of April 1, 2026 : No change since then)

  Object Sompo Holdings Sompo Japan Insurance Sompo Himawari Life Insurance Sompo Warranty
S & P Financial Strength Rating A+
Long-term issuer credit rating A-
Moody's Insurance Financial Strength Rating A1
Rating and Investment
Information, Inc.(R&I)
Issuer Rating AA
Insurance Claims Paying Ability AA
Japan Credit Rating
Agency, Ltd. (JCR)
Long-term Issuer Rating AA+ AA+ AA
A.M.Best Financial Strength Ratings A+
Fitch Insurer Financial Strength Rating AA-
Long-Term Issuer Default Rating A+

(As of April 1, 2026: No change since then)

S & P A.M.Best
Sompo International Holdings Ltd.’s Main Subsidiaries* A+ A+
Sompo Insurance (Hong Kong) Co., Ltd. A
Sompo Insurance China Co., Ltd. A
Sompo Insurance Singapore Pte. Ltd. A
Sompo Seguros Mexico, S.A. de C.V. A- A+
Sompo Insurance (Thailand) Public Company Limited A
  • American Agri-Business Insurance Company,
    Bond Safeguard Insurance Company (No S&P’s rating),
    Endurance American Insurance Company,
    Endurance American Specialty Insurance Company,
    Endurance Assurance Corporation,
    Endurance Risk Solutions Assurance Co.,
    Endurance Specialty Insurance Ltd.,
    Endurance Worldwide Insurance Limited,
    Lexon Insurance Company (No S&P’s rating) ,
    SI Insurance (Europe), SA 
    Sompo America Fire & Marine Insurance Company (No S&P’s rating) ,
    Sompo America Insurance Company etc.
  • For details of the rating, please refer to the websites of the rating agencies below.

[Reference] Changes in Credit Ratings (Sompo Japan)

Changes in Credit Ratings (Sompo Japan)

  • The rating is as Sompo Japan Nipponkoa until FY2019.

Bond Information

Sompo Holdings, Inc.

(As of August 9,2026)

Type Issue date Outstanding Principal Amount Maturity Date

1st series of unsecured straight bond with inter-bond pari passu clause (social bond)

April 27, 2023 JPY 70.0 billion April 27, 2028
U.S. Dollar-Denominated Senior Unsecured Notes (with Optional Redemption) April 22, 2026 USD 1.3 billion April 22, 2037


Sompo Japan Insurance Inc.

(As of August 9, 2026)

Type Issue date Outstanding Principal Amount Maturity Date
The third series of unsecured subordinated bonds with interest deferrable clause and early redeemable option April 26, 2017 JPY 100.0 billion April 26, 2077
1st series of unsecured straight bonds with inter-bond pari passu clause October 14, 2022 JPY 50.0 billion October 14, 2027
2nd series of unsecured straight bonds with inter-bond pari passu clause October 14, 2022 JPY 50.0 billion October 14, 2032
The fourth series of unsecured subordinated bonds with interest deferrable clause and early redeemable option February 13, 2023 JPY 127.0 billion February 13, 2083


Sompo International Holdings Ltd.

(As of August 9, 2026)

Type Issue date Outstanding Principal Amount Maturity Date
U.S. dollar-denominated notes June 15, 2004 USD 200 million June 15, 2034
U.S. dollar-denominated notes March 23, 2010 USD 85 million July 15, 2034
U.S. dollar-denominated notes December 28, 2020 USD 270 million December 31, 2027
U.S. dollar-denominated notes June 10, 2025 USD 300 million July 1, 2030
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