Sony Financial Group Inc (SFGRF) fair value: what the stock is really worth
We calculate from audited financials what Sony Financial Group Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
- Compare price with fair valuebelow fair value = cheap, above = expensive
- Check the quality50 and up solid, 75 and up strong
- Watch it or check another stockalert when fair value or trend changes
At a glance
Sony Financial Group Inc
SFGRF · US
A solid business, but trading 51% above our fair value of $0.6685.
As of Sep 8, 2026, the fair value of Sony Financial Group Inc is $0.6685 per share against a price of $1.01, so the fair value sits 34% below the price. A model estimate from reported figures, not an analyst target.
Fair value as of: Sep 8, 2026
From 4 valuation models · updated yesterday
Fair value updated Sep 8, 2026, revised from $0.6921 to $0.6685 (−3.4%) since Aug 13, 2026. Share price +17.7% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case ($0.8365). The favourable scenario is already priced in.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (11 months)
White line = price, green steps = our fair value per fiscal year. As of Sep 8, 2026.
How to read this chart
11‑month range $0.6314 – $1.11 · fair‑value band $0.5005 – $0.8365 · the $1.01 price screens above the $0.6685 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 8, 2026.
Analysis
Sony Financial Group Inc (SFGRF) currently trades at $1.01, while our model-based Fair Value estimate is $0.6685, implying the stock looks roughly 51.1% overvalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. How firm this estimate is: it rests on 17 models at a data quality of 80/100, which puts the evidence level at low.
Over the trailing twelve months, Sony Financial Group Inc generated revenue of ¥2.4T at a net margin of 2.3%. It earns a return on equity of 8.5%. Net debt stands at ¥1.2T. The stock trades on a trailing P/E of 20.2. Fundamentals as of Sep 8, 2026
Scenario range: $0.5005 (bear) to $0.8365 (bull), the price of $1.01 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 48% below its 52-week high and 60% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −34%, SFGRF screens richer than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
All 4 models by family
Widest divergence: Multiples ($107.55) versus Asset-Based ($62.85). Highest evidence: Residual Income (68).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 8, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 52
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
Sony Financial Group Inc., together with its subsidiaries, provides financial services in Japan. It offers death protection, medical, educational endowment, living benefit, automobile, medical, overseas travel, and fire insurance products, as well as reinsurance services.
Full company description
Sony Financial Group Inc., together with its subsidiaries, provides financial services in Japan. It offers death protection, medical, educational endowment, living benefit, automobile, medical, overseas travel, and fire insurance products, as well as reinsurance services. The company also provides foreign currency deposits, mortgage loans, investment trust, and venture capital and credit card settlement services, as well as plans, develops, and operates nursing care homes. Sony Financial Group Inc. was formerly known as Sony Financial Holdings Inc. and changed its name to Sony Financial Group Inc. in October 2021. The company was founded in 1979 and is headquartered in Tokyo, Japan.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Sony Financial Group Inc reported revenue of ¥2.5T in FY2026 versus ¥2.1T in FY2022, a compound +4.3%/yr.
SFGRF screens 51% overvalued. Compare with China Life Insurance Company →
Peer Group
Insurance - Life · 94 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 - Life median · lower = cheaper
What the price implies (reverse DCF)
The inverse question: what free-cash-flow growth must Sony Financial Group Inc deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.
The price demands less growth than the company recently delivered: even a weaker business would justify the price. Ranking of the largest stocks →
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Strength profile in five axes (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.
VALUE 0: the price sits above our fair-value range.
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 - Life stocks, each showing price versus our Fair Value estimate (as of Sep 8, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.03 | ¥49.98 | +35% |
| Ping An Insurance (Group) Company 601318 | ¥55.82 | ¥84.72 | +52% |
| AIA Group 1299 | HK$73.00 | HK$33.57 | −54% |
| Manulife Financial Corporation MFC | C$61.34 | C$38.80 | −37% |
| Aflac Incorporated AFL | $117.21 | $74.34 | −37% |
| Great-West Lifeco Inc GWO | C$90.25 | C$39.53 | −56% |
| MetLife, Inc MET | $97.62 | $68.27 | −30% |
| Life Insurance Corporation LICI | ₹412.15 | ₹392.93 | −5% |
| Cathay Financial Holding 2882 | 115.00 TWD | 90.27 TWD | −22% |
| China Pacific Insurance (Group) Co 601601 | ¥30.20 | ¥57.51 | +90% |
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Frequently asked questions
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