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SBI HoldingsFRA:ZOF +2.30%78 3-Year Book Growth Rate is 14.20% as of Jun. 2026, which is 216% above its 10-year median of 4.50. GuruFocus rates FRA:ZOF with a GF Score™ of 78/100 and a GF Value™ of €15.44 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 213 Diversified Financial Services companies, SBI Holdings ranks better than 80.75% on this metric.
During the past 12 months, SBI Holdings's average Book Value per Share Growth Rate was 44.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 14.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 14.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 12.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of SBI Holdings was 24.00% per year. The lowest was -17.70% per year. And the median was 4.50% per year.
SBI Holdings (FRA:ZOF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
SBI Holdings 3-Year Book Growth Rate Related Terms
FRA:ZOF vs FRHC, VOYA: 3-Year Book Growth Rate Comparison
For the Financial Conglomerates subindustry, SBI Holdings's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SBI Holdings 3-Year Book Growth Rate vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where SBI Holdings's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 14.20% mean?
SBI Holdings (FRA:ZOF) has a 3-Year Book Growth Rate of 14.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SBI Holdings and its competitors. This is 216% above median its historical median of 4.50. According to the industry distribution chart, SBI Holdings ranks #41 out of 213 companies in the Diversified Financial Services industry, placing it in the top 19.2%.
Is SBI Holdings' 3-Year Book Growth Rate too high?
SBI Holdings' current 3-Year Book Growth Rate of 14.20% is 216% above median its 10-year median of 4.50. Based on the distribution chart, SBI Holdings ranks #41 out of 213 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, SBI Holdings has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' 3-Year Book Growth Rate compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #41 out of 213 companies for 3-Year Book Growth Rate. This places SBI Holdings in the top 19% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Diversified Financial Services company?
A good 3-Year Book Growth Rate depends on the Diversified Financial Services industry context. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SBI Holdings and its competitors. SBI Holdings's current 3-Year Book Growth Rate is 14.20%, which is 216% above median its own 10-year median of 4.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Holdings stock overvalued right now?
Based on GuruFocus' analysis, SBI Holdings (FRA:ZOF) is currently considered Modestly Overvalued. The stock's GF Value™ is €15.44, compared to a current price of €18.42 — trading 19.3% above its estimated fair value. The current 3-Year Book Growth Rate is 14.20%, which is 216% above median its 10-year median of 4.50. SBI Holdings' overall GF Score™ is 78/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For SBI Holdings (FRA:ZOF), the current 3-Year Book Growth Rate is 14.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SBI Holdings (FRA:ZOF) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Holdings stock appears to be overvalued.
The current stock price of €18.42 is trading 19.3% above its estimated GF Value™ of €15.44.
GuruFocus considers SBI Holdings to be Modestly Overvalued.
Key valuation signals for FRA:ZOF:
3-Year Book Growth Rate: 14.20% (216% above median its 10-year median of 4.50)
GF Value™: €15.44 vs. price of €18.42 (19.3% above fair value)
No single metric tells the full story. See the FRA:ZOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Holdings Inc is a financial conglomerate that offers a variety of services in securities, banking, and insurance. The company operates through five segments. The Asset Management segment provides investment management, advice, and financial product information. The Crypto Asset segment offers crypto exchange and trading services. The Financial Services segment covers securities, banking, and insurance activities in Japan and abroad. The Investment segment invests in IT, fintech, blockchain, finance, and biotech ventures. The Next Generation Business develops and sells pharmaceuticals, health foods, and cosmetics, conducts R&D in cancer and immunology, offers digital medical solutions, and engages in medical finance. It generates majority of its revenue from Financial services segment.
78GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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