Sony Financial Group Inc. (SFGYY) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Sony Financial Group Inc. $3.50, price $5.11, upside -31.5%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 23, 2026.
How to read this chart
12‑month range $4.10 – $5.65 · fair‑value band $2.62 – $4.37 · the $5.11 price screens above the $3.50 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 23, 2026.
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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.
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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.
Stock analysis
Sony Financial Group Inc. (SFGYY) currently trades at $5.11, while our model-based Fair Value estimate is $3.50, implying the stock looks roughly 46.0% overvalued today.
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Valuation
How firm this estimate is: it rests on 17 models at a data quality of 80/100, which puts the evidence level at medium.
Scenario range: $2.62 (bear) to $4.37 (bull), the price of $5.11 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Sony Financial Group Inc. reported revenue of ¥2.5T in FY2026 versus ¥2.1T in FY2022, a compound +4.3%/yr.
Key figures
Market cap $5.8B · P/E ratio 21.3 · P/S ratio 0.47 · EPS (TTM) $0.2400 · Dividend yield 2.7% · Net margin 2.2% · Return on equity 8.5% · Return on assets 0.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −32%, SFGYY screens cheaper than that median.
Fair Value models
Bear $2.62Fair Value $3.50Bull $4.37
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.72/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+3.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.3%
’22
’23
’24
’25
’26
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 1 usable fiscal years, at least 4 required
not computed
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+2.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in JPY, Japan: IMF forecast 2.1% a year to 2030, 1.3% from 2016 to 2025) that is about 0.0% a year for the price.
Compare Sony Financial Group Inc. with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Insurance - Life · 90 stocks
Beats the industry median on 4/14 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside−31.5% · Below median
Profitability
Return on equity (TTM)8.5% · Below median
Return on assets0.6% · Below median
Net margin (TTM)2.3% · Bottom 25%
Operating margin (TTM)133.4% · Top 25%
Growth and dividend
Revenue growth−15.7% · Bottom 25%
Dividend yield (TTM)2.7% · Below median
Balance sheet
Debt / equity2.43× · Highest 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
P/E (TTM)21.3× · Pricier than median
P/B1.45× · Pricier than median
P/S (TTM)0.38× · Cheapest 25%
P/FCF0.0× · Cheapest 25%
EV/EBITDA8.5× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 7
FUTURE (revenue growth)0· sector 42
PAST (return on equity)34· sector 46
HEALTH (low debt)0· sector 86
DIVIDEND (yield)55· sector 56
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Sony Financial Group Inc. Fair Value". https://www.fairvalue-calculator.com/stock/SFGYY
Frequently asked questions
Is Sony Financial Group Inc. (SFGYY) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $3.50 versus a price of $5.11, about −32% upside (overvalued).
What is the fair value of SFGYY?
Our model-based fair value for Sony Financial Group Inc. is $3.50 (as of Sep 23, 2026), built from audited fundamentals. The current price: $5.11.
What is the quality score of SFGYY?
Sony Financial Group Inc. has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sony Financial Group Inc. (SFGYY)?
Our model-based price target is the fair value of $3.50 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $2.62, optimistic scenario $4.37. It is a calculation from audited fundamentals, not an analyst target.
What is the Sony Financial Group Inc. stock forecast for 2026?
Our models put fair value at $3.50, about −32% upside versus a price of $5.11 (overvalued). Cautious scenario $2.62, optimistic scenario $4.37. The calculation is refreshed regularly with new filings.
What is the revenue of Sony Financial Group Inc. (SFGYY)?
Sony Financial Group Inc. reported trailing-twelve-month revenue of about ¥2.4T (latest available figure, as of Sep 23, 2026).
Does Sony Financial Group Inc. pay a dividend?
Sony Financial Group Inc. currently shows a dividend yield of about 2.74% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Sony Financial Group Inc. (SFGYY)?
For today's price to be fair in a discounted-cash-flow model, Sony Financial Group Inc. would have to grow free cash flow by +2.1 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +4.3 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of SFGYY use?
Our models discount Sony Financial Group Inc. at 8.5 %: a base by market capitalisation (mid), damped by beta 0.01, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Sony Financial Group Inc. that is +2.1 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Sony Financial Group Inc. (SFGYY) delivered so far?
Over the past 4 years revenue at Sony Financial Group Inc. grew +4.3 % a year. The price currently implies +2.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Sony Financial Group Inc. (SFGYY) growing?
The median revenue growth in the sector is +2.8 % a year. That is the yardstick for the growth priced into Sony Financial Group Inc. (+2.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Sony Financial Group Inc. (SFGYY)?
The free-cash-flow yield on the price is 7.74 %: that much free cash flow Sony Financial Group Inc. produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Sony Financial Group Inc. (SFGYY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sony Financial Group Inc. it is $3.50 per share (as of Sep 23, 2026), against a price of $5.11. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Sony Financial Group Inc. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SFGYY trades above its calculated fair value: price $5.11, fair value $3.50, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SFGYY?
No. The price is what the market pays today ($5.11); the fair value is what the company's own numbers justify ($3.50). For Sony Financial Group Inc. the two are $1.61 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sony Financial Group Inc. worth?
The market values Sony Financial Group Inc. at about $5.8B (market capitalisation, as of Sep 23, 2026). Per share that is $5.11; our models calculate a fair value of $3.50 per share.
What do the bullish and bearish scenarios say about SFGYY?
Our models span a range for Sony Financial Group Inc.: cautious scenario $2.62, base $3.50, optimistic $4.37 per share (as of Sep 23, 2026, price $5.11). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SFGYY?
Sony Financial Group Inc. trades at a price-to-earnings ratio of 21.3 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.50 is built from several models across several years. Other multiples: P/B 1.5, P/S 0.4, EV/EBITDA 8.5.
How solid is the balance sheet of Sony Financial Group Inc. (SFGYY)?
Balance-sheet figures for Sony Financial Group Inc. (as of Sep 23, 2026): return on equity 8.5%, debt of 2.43 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is SFGYY from its 52-week high?
Sony Financial Group Inc. trades at $5.11, about 10% below its 52-week high of $5.65 and 25% above the low of $4.10 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $3.50 is for.
Which stocks are comparable to Sony Financial Group Inc.?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sony Financial Group Inc. stock attractive at the current price?
The data as of Sep 23, 2026: price $5.11, calculated fair value $3.50 (−32%), Quality Score 56/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SFGYY calculated?
We run Sony Financial Group Inc. through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.50, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.9 % above its aggregate fair value. Sony Financial Group Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sony Financial Group Inc. (SFGYY)?
The closing price on Sep 25, 2026 was $5.11. Our model-based fair value is $3.50, about −32% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sony Financial Group Inc. right now?
The price sits above even our optimistic bull case ($4.37). The favourable scenario is already priced in. 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.
Key figures of Sony Financial Group Inc.
How large is the market capitalisation of Sony Financial Group Inc. (SFGYY)?
The market capitalisation of Sony Financial Group Inc. is $5.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sony Financial Group Inc. (SFGYY)?
The price-to-sales ratio of Sony Financial Group Inc. is 0.47 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sony Financial Group Inc. (SFGYY)?
Earnings per share at Sony Financial Group Inc. are $0.2400 (price ÷ EPS = P/E 21.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sony Financial Group Inc. (SFGYY)?
The dividend yield of Sony Financial Group Inc. is 2.7% (payout 58.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Sony Financial Group Inc. (SFGYY)?
The net margin of Sony Financial Group Inc. is 2.2% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sony Financial Group Inc. (SFGYY)?
The return on equity (ROE) of Sony Financial Group Inc. is 8.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Sony Financial Group Inc. (SFGYY)?
The return on assets (ROA) of Sony Financial Group Inc. is 0.6% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Sony Financial Group Inc. (SFGYY)?
The operating margin of Sony Financial Group Inc. is 133% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sony Financial Group Inc. (SFGYY)?
Revenue at Sony Financial Group Inc. is growing −15.7% versus a year earlier (3y avg +6.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Sony Financial Group Inc. (SFGYY) carry?
The net debt of Sony Financial Group Inc. is ¥1.2T (fiscal year 2026, ≈ 2.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 23, 2026