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Also traded in: Germany, Japan

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 1.02
SNYFY's Cash-to-Debt is ranked lower than
82% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. SNYFY: 1.02 )
Ranked among companies with meaningful Cash-to-Debt only.
SNYFY' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.02  Med: 9.56 Max: No Debt
Current: 1.02
Equity-to-Asset 0.05
SNYFY's Equity-to-Asset is ranked lower than
96% of the 190 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.25 vs. SNYFY: 0.05 )
Ranked among companies with meaningful Equity-to-Asset only.
SNYFY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.05 Max: 0.06
Current: 0.05
0.04
0.06
Debt-to-Equity 0.45
SNYFY's Debt-to-Equity is ranked lower than
59% of the 78 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.22 vs. SNYFY: 0.45 )
Ranked among companies with meaningful Debt-to-Equity only.
SNYFY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01  Med: 0.07 Max: 0.45
Current: 0.45
0.01
0.45
Interest Coverage 7.12
SNYFY's Interest Coverage is ranked lower than
85% of the 186 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. SNYFY: 7.12 )
Ranked among companies with meaningful Interest Coverage only.
SNYFY' s Interest Coverage Range Over the Past 10 Years
Min: 2.22  Med: 8.04 Max: 10.09
Current: 7.12
2.22
10.09
WACC vs ROIC
7.90%
16.75%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 4.21
SNYFY's Operating Margin % is ranked lower than
69% of the 183 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.08 vs. SNYFY: 4.21 )
Ranked among companies with meaningful Operating Margin % only.
SNYFY' s Operating Margin % Range Over the Past 10 Years
Min: 3.98  Med: 6.03 Max: 8.62
Current: 4.21
3.98
8.62
Net Margin % 2.57
SNYFY's Net Margin % is ranked lower than
76% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.05 vs. SNYFY: 2.57 )
Ranked among companies with meaningful Net Margin % only.
SNYFY' s Net Margin % Range Over the Past 10 Years
Min: 2.57  Med: 3.38 Max: 4.92
Current: 2.57
2.57
4.92
ROE % 6.10
SNYFY's ROE % is ranked lower than
70% of the 190 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.04 vs. SNYFY: 6.10 )
Ranked among companies with meaningful ROE % only.
SNYFY' s ROE % Range Over the Past 10 Years
Min: 6.1  Med: 10.48 Max: 20.29
Current: 6.1
6.1
20.29
ROA % 0.33
SNYFY's ROA % is ranked lower than
81% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.47 vs. SNYFY: 0.33 )
Ranked among companies with meaningful ROA % only.
SNYFY' s ROA % Range Over the Past 10 Years
Min: 0.33  Med: 0.56 Max: 0.85
Current: 0.33
0.33
0.85
3-Year Revenue Growth Rate 1.50
SNYFY's 3-Year Revenue Growth Rate is ranked lower than
67% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.60 vs. SNYFY: 1.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SNYFY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 1.5  Med: 7.6 Max: 9.6
Current: 1.5
1.5
9.6
3-Year EBITDA Growth Rate -1.20
SNYFY's 3-Year EBITDA Growth Rate is ranked lower than
57% of the 138 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.60 vs. SNYFY: -1.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SNYFY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -2  Med: 4 Max: 46
Current: -1.2
-2
46
3-Year EPS without NRI Growth Rate 0.90
SNYFY's 3-Year EPS without NRI Growth Rate is ranked lower than
59% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.30 vs. SNYFY: 0.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SNYFY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -2.2  Med: 2.2 Max: 66.8
Current: 0.9
-2.2
66.8
GuruFocus has detected 2 Warning Signs with Sony Financial Holdings Inc $SNYFY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SNYFY's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Insurance » Insurance - Diversified    NAICS: 522110 
Compare:TSE:8798, TSE:9679, TSE:8630, TSE:8725 » details
Traded in other countries:3SY.Germany, 8729.Japan,
Headquarter Location:Japan
Sony Financial Holdings Inc provides life insurance products and services to fulfill customer requirements, death benefit, automobile insurance, medical insurance, deposits, mortgage loan, and other banking and financial services through its subsidiaries.

Sony Financial Holdings Inc is a Japanese financial holding company with three core subsidiaries: Sony Life Insurance Co., Ltd. (Sony Life), Sony Assurance Inc. (Sony Assurance) and Sony Bank Inc. (Sony Bank). Sony Life provides customers with a range of life insurance products and services to fulfill diverse customer requirements, death benefit, and other similar protection products. Sony Assurance provides automobile insurance SURE medical and cancer insurance. Sony Bank provides deposits, mortgage loans, investment trusts, foreign-currency margin trading and other services. The company has three business segments namely Life Insurance Business, Non-life Insurance Business and Banking Business. Most of the company's revenue comes from Life Insurance Business.

Ratios

vs
industry
vs
history
PE Ratio 20.90
SNYFY's PE Ratio is ranked lower than
74% of the 168 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.48 vs. SNYFY: 20.90 )
Ranked among companies with meaningful PE Ratio only.
SNYFY' s PE Ratio Range Over the Past 10 Years
Min: 9.48  Med: 16.53 Max: 69.66
Current: 20.9
9.48
69.66
PE Ratio without NRI 20.90
SNYFY's PE Ratio without NRI is ranked lower than
74% of the 168 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.48 vs. SNYFY: 20.90 )
Ranked among companies with meaningful PE Ratio without NRI only.
SNYFY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.48  Med: 16.53 Max: 69.65
Current: 20.9
9.48
69.65
Price-to-Owner-Earnings 29.87
SNYFY's Price-to-Owner-Earnings is ranked lower than
92% of the 103 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.41 vs. SNYFY: 29.87 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SNYFY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 14.44  Med: 20.86 Max: 37.01
Current: 29.87
14.44
37.01
PB Ratio 1.29
SNYFY's PB Ratio is ranked lower than
57% of the 189 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. SNYFY: 1.29 )
Ranked among companies with meaningful PB Ratio only.
SNYFY' s PB Ratio Range Over the Past 10 Years
Min: 0.75  Med: 1.65 Max: 3.45
Current: 1.29
0.75
3.45
PS Ratio 0.54
SNYFY's PS Ratio is ranked higher than
76% of the 190 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.10 vs. SNYFY: 0.54 )
Ranked among companies with meaningful PS Ratio only.
SNYFY' s PS Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.58 Max: 3.48
Current: 0.54
0.34
3.48
EV-to-EBIT 7.49
SNYFY's EV-to-EBIT is ranked higher than
53% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.52 vs. SNYFY: 7.49 )
Ranked among companies with meaningful EV-to-EBIT only.
SNYFY' s EV-to-EBIT Range Over the Past 10 Years
Min: -6.6  Med: 3 Max: 39.9
Current: 7.49
-6.6
39.9
EV-to-EBITDA 7.49
SNYFY's EV-to-EBITDA is ranked lower than
53% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.99 vs. SNYFY: 7.49 )
Ranked among companies with meaningful EV-to-EBITDA only.
SNYFY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6.6  Med: 3 Max: 39.9
Current: 7.49
-6.6
39.9
EV-to-Revenue 0.33
SNYFY's EV-to-Revenue is ranked higher than
80% of the 177 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.86 vs. SNYFY: 0.33 )
Ranked among companies with meaningful EV-to-Revenue only.
SNYFY' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.6  Med: 0.2 Max: 3.5
Current: 0.33
-0.6
3.5
PEG Ratio 41.80
SNYFY's PEG Ratio is ranked lower than
99% of the 69 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.25 vs. SNYFY: 41.80 )
Ranked among companies with meaningful PEG Ratio only.
SNYFY' s PEG Ratio Range Over the Past 10 Years
Min: 1.53  Med: 10.3 Max: 78.93
Current: 41.8
1.53
78.93

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate 22.40
SNYFY's 3-Year Dividend Growth Rate is ranked higher than
80% of the 76 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.50 vs. SNYFY: 22.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SNYFY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 14.5 Max: 30.1
Current: 22.4
0
30.1
5-Year Yield-on-Cost % 9.43
SNYFY's 5-Year Yield-on-Cost % is ranked higher than
89% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.26 vs. SNYFY: 9.43 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SNYFY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.32  Med: 4.88 Max: 15.8
Current: 9.43
2.32
15.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.36
SNYFY's Price-to-Tangible-Book is ranked higher than
51% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.46 vs. SNYFY: 1.36 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SNYFY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.86  Med: 1.78 Max: 3.29
Current: 1.36
0.86
3.29
Price-to-Intrinsic-Value-Projected-FCF 1.18
SNYFY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
80% of the 69 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.70 vs. SNYFY: 1.18 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SNYFY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.41 Max: 1.29
Current: 1.18
0.32
1.29
Price-to-Median-PS-Value 0.93
SNYFY's Price-to-Median-PS-Value is ranked higher than
51% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.02 vs. SNYFY: 0.93 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SNYFY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 0.99 Max: 5.9
Current: 0.93
0.63
5.9
Price-to-Graham-Number 1.13
SNYFY's Price-to-Graham-Number is ranked lower than
65% of the 158 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. SNYFY: 1.13 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SNYFY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.63  Med: 1.18 Max: 1.43
Current: 1.13
0.63
1.43
Earnings Yield (Greenblatt) % 13.35
SNYFY's Earnings Yield (Greenblatt) % is ranked higher than
63% of the 183 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.40 vs. SNYFY: 13.35 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SNYFY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -98.8  Med: 29.5 Max: 724.1
Current: 13.35
-98.8
724.1
Forward Rate of Return (Yacktman) % -1.25
SNYFY's Forward Rate of Return (Yacktman) % is ranked lower than
81% of the 67 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 15.28 vs. SNYFY: -1.25 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SNYFY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -1.3  Med: 10.6 Max: 39.7
Current: -1.25
-1.3
39.7

More Statistics

Revenue (TTM) (Mil) $12,833.67
EPS (TTM) $ 0.76
Beta1.07
Short Percentage of Float0.00%
52-Week Range $13.01 - 18.38
Shares Outstanding (Mil)435.03 (ADR)
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