Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Societe GeneraleSCGLF 57 3-Year Book Growth Rate is 3.50% as of Jun. 2026, which is 1% above its 10-year median of 3.45. GuruFocus rates SCGLF with a GF Score™ of 57/100 and a GF Value™ of $46.51 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,497 Banks companies, Societe Generale ranks worse than 80.29% on this metric.
During the past 12 months, Societe Generale's average Book Value per Share Growth Rate was 11.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 3.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 4.70% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 1.90% 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 Societe Generale was 6.90% per year. The lowest was -0.90% per year. And the median was 3.45% per year.
Societe Generale (OTCPK:SCGLF) 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.
Societe Generale 3-Year Book Growth Rate Related Terms
Societe Generale 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Societe Generale'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.
Societe Generale 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Societe Generale's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Societe Generale's 3-Year Book Growth Rate falls into.
Societe Generale 3-Year Book Growth Rate Calculation
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 3.50% mean?
Societe Generale (SCGLF) has a 3-Year Book Growth Rate of 3.50% 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 Societe Generale and its competitors. This is near median its historical median of 3.45. According to the industry distribution chart, Societe Generale ranks #1202 out of 1497 companies in the Banks industry, placing it in the top 80.3%.
Is Societe Generale's 3-Year Book Growth Rate too high?
Societe Generale's current 3-Year Book Growth Rate of 3.50% is near median its 10-year median of 3.45. The Banks industry median 3-Year Book Growth Rate is 8.70. Societe Generale's value of 3.50% is 59.8% below this industry median. Based on the distribution chart, Societe Generale ranks #1202 out of 1497 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Societe Generale has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Generale's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Societe Generale ranks #1202 out of 1497 companies for 3-Year Book Growth Rate. This places Societe Generale in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Societe Generale's value of 3.50% is 59.8% below this benchmark. While the company's 10-year median is 3.45 vs. the industry median of 8.70, Societe Generale has consistently been below the industry average. 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 Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Societe Generale's current 3-Year Book Growth Rate of 3.50% is 59.8% below the industry median. 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 Societe Generale and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Societe Generale's current 3-Year Book Growth Rate is 3.50%, which is near median its own 10-year median of 3.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Generale stock overvalued right now?
Based on GuruFocus' analysis, Societe Generale (SCGLF) is currently considered Significantly Overvalued. The stock's GF Value™ is $46.51, compared to a current price of $91.07 — trading 95.8% above its estimated fair value. The current 3-Year Book Growth Rate is 3.50%, which is near median its 10-year median of 3.45 and 59.8% below the Banks industry median of 8.70. Societe Generale's overall GF Score™ is 57/100 with 6 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 Societe Generale (SCGLF), the current 3-Year Book Growth Rate is 3.50% 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 Societe Generale (SCGLF) Overvalued in 2026?
Based on GuruFocus' analysis, Societe Generale stock appears to be overvalued.
The current stock price of $91.07 is trading 95.8% above its estimated GF Value™ of $46.51.
GuruFocus considers Societe Generale to be Significantly Overvalued.
Key valuation signals for SCGLF:
3-Year Book Growth Rate: 3.50% (near median its 10-year median of 3.45)
GF Value™: $46.51 vs. price of $91.07 (95.8% above fair value)
Industry Position: 59.8% below the Banks median (#1202 of 1497)
No single metric tells the full story. See the SCGLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Société Générale is a diversified European bank whose largest division is its corporate and investment bank, anchored by a well-regarded equity franchise. Its French retail operations include both the traditional branch network and fast-growing digital bank Boursorama. Internationally, Société Générale ranks among the largest banks in the Czech Republic and Romania. It also holds dominant positions in several African markets, though with a smaller earnings contribution. The group is a leading player in vehicle and equipment leasing through ALD Automotive.
57GF Score
Get the complete analysis for SCGLF
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SCGLF has been successfully added to your 
