Sony Financial Group Inc. (SFGYY) fair value: what the stock is really worth
As of Nov 10, 2026: fair value (intrinsic value) of Sony Financial Group Inc. stock $3.51, price $4.41, that is 20.4% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.
How to read this chart
13‑month range $4.10 – $5.50 · fair‑value band $2.63 – $4.39 · the $4.41 price screens above the $3.51 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 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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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 $4.41, while our model-based Fair Value estimate is $3.51, 20% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $3.50 per share, and 0 of the 4 models we run sit above the $4.41 price.
Bear case: the Asset-Based group reads lowest at $1.72, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $2.63 (bear) to $4.39 (bull), the price of $4.41 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 57/100 (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 $6.1B Mid · P/E ratio 17.0 · P/S ratio 0.38 · EPS (TTM) $0.2600 · Dividend yield 2.6% · Net margin 2.2% · Return on equity 11.8% · Return on assets 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at −20%, SFGYY screens cheaper than that median.
Fair Value models
Bear$2.63Fair Value $3.51Bull$4.39
Price $4.41 · Downside -20.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.1603 per share) are deliberately not added.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.Coverage ⓘCoverage = 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
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’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
AI conclusion: The shift to capital-light protection policies supports faster amortization of contract service margins and stronger earnings quality, while low margins still point to weak pricing power.
Main risk: Ongoing Financial Services Agency inspections and potential orders could force further changes to Sony Life's sales channels and raise compliance costs, hitting its core distribution model.
Bull case: By accelerating the shift to capital-light protection policies and strengthening governance after the agency overhaul, Sony Life could improve earnings stability and customer trust despite regulatory pressure.
Bear case: Persistent regulatory actions and loss of sales force effectiveness could erode Sony Life's market position in Japan, limiting growth in protection products and pressuring group margins.
Sony Financial Group is steering Sony Life toward a larger share of capital-light protection policies. This shift links to faster amortization of contract service margins and could strengthen earnings quality over time. Our models still see the stock as overvalued. Will the move to these policies generate enough margin gains to close the gap, or will legacy pressures limit the upside?
Compare Sony Financial Group Inc. with another stock
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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 · 77 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside−20.4% · Below median
Profitability
Return on equity (12 months)11.8% · Below median
Return on assets0.2% · Bottom 25%
Net margin (12 months)2.2% · Bottom 25%
Operating margin (12 months)41.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−59.1% · Bottom 25%
Dividend yield (12 months)2.6% · Below median
Balance sheet
Debt / equity2.43× · Highest 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
P/E (12 months)17.0× · Pricier than median
P/B1.53× · Pricier than median
P/S (12 months)0.37× · Cheapest 25%
Price / free cash flow (fiscal year)2.3× · Cheaper than median
EV/EBITDA5.8× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)6· sector 14
FUTURE (revenue growth)0· sector 38
PAST (return on equity)47· sector 48
HEALTH (low debt)–
DIVIDEND (yield)52· sector 56
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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 Nov 10, 2026, our model estimates a fair value of $3.51 versus a price of $4.41, about 20% lower (overvalued).
What is the fair value of SFGYY?
Our model-based fair value for Sony Financial Group Inc. is $3.51 (as of Nov 10, 2026), built from audited fundamentals. The current price: $4.41.
What is the quality score of SFGYY?
Sony Financial Group Inc. has a Quality Score of 57/100. 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 $3.51 (as of Nov 10, 2026) from 4 valuation models. Cautious scenario $2.63, optimistic scenario $4.39. 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 $3.51, about 20% lower versus a price of $4.41 (overvalued). Cautious scenario $2.63, optimistic scenario $4.39. 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 ¥2.6T (latest available figure, as of Nov 10, 2026).
Does Sony Financial Group Inc. pay a dividend?
Sony Financial Group Inc. currently shows a dividend yield of 2.62% relative to its recent price (as of Nov 10, 2026).
How much is the dividend of Sony Financial Group Inc. (SFGYY) and when is the ex-dividend date?
Sony Financial Group Inc. has a dividend yield of 2.6%. The last ex-dividend date was Mar 31, 2026. The payout ratio is 44.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
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 $3.51 per share (as of Nov 10, 2026), against a price of $4.41. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Sony Financial Group Inc. stock overvalued or undervalued in 2026?
As of Nov 10, 2026, SFGYY trades above its calculated fair value: price $4.41, fair value $3.51, a gap of about −20% (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 ($4.41); the fair value is what the company's own numbers justify ($3.51). For Sony Financial Group Inc. the two are $0.9000 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 $6.1B (market capitalisation, as of Nov 10, 2026). Per share that is $4.41; our models calculate a fair value of $3.51 per share.
What do the bullish and bearish scenarios say about SFGYY?
Our models span a range for Sony Financial Group Inc.: cautious scenario $2.63, base $3.51, optimistic $4.39 per share (as of Nov 10, 2026, price $4.41). 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 17.0 (as of Nov 10, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.51 is built from several models across several years. Other multiples: P/B 1.5, P/S 0.4, EV/EBITDA 5.8.
How solid is the balance sheet of Sony Financial Group Inc. (SFGYY)?
Balance-sheet figures for Sony Financial Group Inc. (as of Nov 10, 2026): return on equity 11.8%, debt of 2.43 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is SFGYY from its 52-week high?
Sony Financial Group Inc. trades at $4.41, about 20% below its 52-week high of $5.50 and 8% above the low of $4.10 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $3.51 is for.
Which stocks are comparable to Sony Financial Group Inc.?
From the same area (Financial Services) we also value Ping An Insurance (Group) Company, China Life Insurance 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 Nov 10, 2026: price $4.41, calculated fair value $3.51 (−20%), Quality Score 57/100, 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 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $3.51 builds on their evidence-weighted average, 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 15.1% 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 Nov 10, 2026 was $4.41. Our model-based fair value is $3.51, about 20% lower (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?
Solid but not exceptional quality (57/100) 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 $6.1B. 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 0.38 (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 $0.2600 (price ÷ EPS = P/E 17.0). 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 2.6% (payout 44.4%). 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 11.8% (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 1.0% (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 41.9% (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 −59.1% 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 free cash flow does Sony Financial Group Inc. (SFGYY) generate?
The free cash flow of Sony Financial Group Inc. is ¥417B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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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Nov 10, 2026