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.
Sony Financial GroupSFGYY -0.21%24 Debt-to-EBITDA is 5.13 as of Mar. 2026, which is 18% below its 10-year median of 6.26. GuruFocus rates SFGYY with a GF Score™ of 24/100. The stock has 8 warning signs investors should review. Among 321 Insurance companies, Sony Financial Group ranks worse than 95.95% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Sony Financial Group's Debt-to-EBITDA or its related term are showing as below:
SFGYY'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.09 Med: 6.26 Max: 20.97
Current: 8.69
During the past 13 years, the highest Debt-to-EBITDA Ratio of Sony Financial Group was 20.97. The lowest was 2.09. And the median was 6.26.
SFGYY's Debt-to-EBITDA is ranked worse than 95.95% of 321
companies
in the Insurance industry
Industry Median: 1.18
vs SFGYY: 8.69
Sony Financial Group (OTCPK:SFGYY) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Sony Financial Group Debt-to-EBITDA Related Terms
Sony Financial Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Sony Financial Group's Debt-to-EBITDA 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 Insurance - Life subindustry, Sony Financial Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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.
Sony Financial Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Sony Financial Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sony Financial Group's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Mar. 2026) EBITDA data.
Sony Financial Group (SFGYY) has a Debt-to-EBITDA of 5.13 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Sony Financial Group. This is 18% below median its historical median of 6.26. Over the past decade, Sony Financial Group's Debt-to-EBITDA has ranged from 2.09 to 20.97. According to the industry distribution chart, Sony Financial Group ranks #308 out of 321 companies in the Insurance industry, placing it in the top 96%.
Is Sony Financial Group's Debt-to-EBITDA too high?
Sony Financial Group's current Debt-to-EBITDA of 5.13 is 18% below median its 10-year median of 6.26. Over the past 10 years, this metric has ranged from a low of 2.09 to a high of 20.97. The Insurance industry median Debt-to-EBITDA is 1.18. Sony Financial Group's value of 5.13 is 334.7% above this industry median. Based on the distribution chart, Sony Financial Group ranks #308 out of 321 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Sony Financial Group has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Sony Financial Group's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, Sony Financial Group ranks #308 out of 321 companies for Debt-to-EBITDA. This places Sony Financial Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Sony Financial Group's value of 5.13 is 334.7% above this benchmark. Historically, Sony Financial Group's own Debt-to-EBITDA has ranged from 2.09 to 20.97 over the past decade. While the company's 10-year median is 6.26 vs. the industry median of 1.18, Sony Financial Group has consistently been above 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.18, based on 321 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sony Financial Group's current Debt-to-EBITDA of 5.13 is 334.7% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Sony Financial Group. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sony Financial Group's current Debt-to-EBITDA is 5.13, which is 18% below median its own 10-year median of 6.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sony Financial Group stock overvalued right now?
Sony Financial Group (SFGYY) has a current Debt-to-EBITDA of 5.13. The current Debt-to-EBITDA is 5.13, which is 18% below median its 10-year median of 6.26 and 334.7% above the Insurance industry median of 1.18. Sony Financial Group's overall GF Score™ is 24/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Sony Financial Group (SFGYY), the current Debt-to-EBITDA is 5.13 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.
Sony Financial Group 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 tailor-made life insurance based on detailed consulting by Lifeplanner sales specialists (sales staff) and partners. Sony Assurance provides automobile, fire, medical, and other forms of insurance through the Internet and telephone. Sony Bank provides deposits, mortgages, investment trusts, and foreign exchange margin transaction services through the Internet. The company has three business segments, namely Life Insurance Business, Non-life Insurance Business, Banking Business, and others.
24GF Score
Get the complete analysis for SFGYY
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SFGYY has been successfully added to your 
