SBI HoldingsFRA:ZOF -1.57%83 Current Ratio is 1.13 as of Mar. 2026, which is 24% below its 10-year median of 1.48. GuruFocus rates FRA:ZOF with a GF Score™ of 83/100 and a GF Value™ of €13.79 (Fairly Valued). The stock has 7 warning signs investors should review. Among 497 Diversified Financial Services companies, SBI Holdings ranks worse than 65.59% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. SBI Holdings's current ratio for the quarter that ended in Mar. 2026 was 1.13.
SBI Holdings has a current ratio of 1.13. It generally indicates good short-term financial strength.
The historical rank and industry rank for SBI Holdings's Current Ratio or its related term are showing as below:
FRA:ZOF'
s Current Ratio Range Over the Past 10 Years
Min: 1.13 Med: 1.48 Max: 1.82
Current: 1.13
During the past 13 years, SBI Holdings's highest Current Ratio was 1.82. The lowest was 1.13. And the median was 1.48.
FRA:ZOF's Current Ratio is ranked worse than 65.59% of 497
companies
in the Diversified Financial Services industry
Industry Median: 3.1
vs FRA:ZOF: 1.13
SBI Holdings (FRA:ZOF) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
SBI Holdings Current Ratio Related Terms
SBI Holdings Current Ratio Historical Data
* Premium members only.
The historical data trend for SBI Holdings's Current Ratio 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.
For the Financial Conglomerates subindustry, SBI Holdings's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's Current Ratio distribution charts can be found below:
* The bar in red indicates where SBI Holdings's Current Ratio falls into.
* 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.
SBI Holdings (FRA:ZOF) has a Current Ratio of 1.13 as of Mar. 2026. This is 24% below median its historical median of 1.48. Over the past decade, SBI Holdings' Current Ratio has ranged from 1.13 to 1.82. According to the industry distribution chart, SBI Holdings ranks #326 out of 497 companies in the Diversified Financial Services industry, placing it in the top 65.6%.
Is SBI Holdings' Current Ratio too high?
SBI Holdings' current Current Ratio of 1.13 is 24% below median its 10-year median of 1.48. Over the past 10 years, this metric has ranged from a low of 1.13 to a high of 1.82. The Diversified Financial Services industry median Current Ratio is 3.10. SBI Holdings' value of 1.13 is 63.5% below this industry median. Based on the distribution chart, SBI Holdings ranks #326 out of 497 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, SBI Holdings has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' Current Ratio compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #326 out of 497 companies for Current Ratio. This places SBI Holdings in the lower half of its industry. The industry median Current Ratio is 3.10. SBI Holdings' value of 1.13 is 63.5% below this benchmark. Historically, SBI Holdings' own Current Ratio has ranged from 1.13 to 1.82 over the past decade. While the company's 10-year median is 1.48 vs. the industry median of 3.10, SBI Holdings 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 Current Ratio for a Diversified Financial Services company?
The median Current Ratio among Diversified Financial Services companies is 3.10, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Holdings's current Current Ratio of 1.13 is 63.5% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Diversified Financial Services industry, the median Current Ratio is 3.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current Current Ratio is 1.13, which is 24% below median its own 10-year median of 1.48. 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 Current Ratio is 1.13, which is 24% below median its 10-year median of 1.48 and 63.5% below the Diversified Financial Services industry median of 3.10. SBI Holdings' overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For SBI Holdings (FRA:ZOF), the current Current Ratio is 1.13 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:
Current Ratio: 1.13 (24% below median its 10-year median of 1.48)
GF Value™: €13.79 vs. price of €14.45 (4.7% above fair value)
Industry Position: 63.5% below the Diversified Financial Services median (#326 of 497)
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.
83GF Score
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