SBI Holdings's Days Sales Outstanding for the
three
months ended in Mar. 2026 was 3248.78.
SBI Holdings's Days Inventory for the
three
months ended in Mar. 2026 was 100.
SBI Holdings's Days Payable for the
three
months ended in Mar. 2026 was 440.5.
Therefore, SBI Holdings's Cash Conversion Cycle (CCC) for the
three
months ended in Mar. 2026 was 2,908.28.
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
SBI Holdings Cash Conversion Cycle Related Terms
SBI Holdings Cash Conversion Cycle Historical Data
* Premium members only.
The historical data trend for SBI Holdings's Cash Conversion Cycle can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:ZOF vs FRHC, VOYA: Cash Conversion Cycle Comparison
For the Financial Conglomerates subindustry, SBI Holdings's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle 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 Cash Conversion Cycle vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where SBI Holdings's Cash Conversion Cycle falls into.
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
SBI Holdings's Cash Conversion Cycle for the fiscal year that ended in Mar. 2026 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash Conversion Cycle of 2,908.28 mean?
SBI Holdings (FRA:ZOF) has a Cash Conversion Cycle of 2,908.28 as of Mar. 2026. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on SBI Holdings and its competitors.
Is SBI Holdings' Cash Conversion Cycle too high?
SBI Holdings' current Cash Conversion Cycle is 2,908.28. The Diversified Financial Services industry median Cash Conversion Cycle is 1.19. SBI Holdings' value of 2,908.28 is 245324.5% above this industry median. Overall, SBI Holdings has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' Cash Conversion Cycle compare to FRHC and VOYA?
SBI Holdings' Cash Conversion Cycle of 2,908.28 can be compared against companies in the Diversified Financial Services industry. The industry median Cash Conversion Cycle is 1.19. SBI Holdings' value of 2,908.28 is 245324.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Diversified Financial Services company?
The median Cash Conversion Cycle among Diversified Financial Services companies is 1.19, based on 92 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Holdings's current Cash Conversion Cycle of 2,908.28 is 245324.5% above 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 Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on SBI Holdings and its competitors. For the Diversified Financial Services industry, the median Cash Conversion Cycle is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current Cash Conversion Cycle is 2,908.28. 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 Fairly Valued. The stock's GF Value™ is €13.79, compared to a current price of €14.45 — trading 4.7% above its estimated fair value. The current Cash Conversion Cycle is 2,908.28 and 245324.5% above the Diversified Financial Services industry median of 1.19. SBI Holdings' overall GF Score™ is 84/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For SBI Holdings (FRA:ZOF), the current Cash Conversion Cycle is 2,908.28 as of Mar. 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 €14.45 is trading 4.7% above its estimated GF Value™ of €13.79.
GuruFocus considers SBI Holdings to be Fairly Valued.
Key valuation signals for FRA:ZOF:
Cash Conversion Cycle: 2,908.28
GF Value™: €13.79 vs. price of €14.45 (4.7% above fair value)
Industry Position: 245324.5% above the Diversified Financial Services median
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.
84GF Score
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Cash Conversion Cycle is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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