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SBI HoldingsFRA:ZOF +4.40%80 3-Year EPS without NRI Growth Rate is 122.70% as of Jun. 2026, which is 1415% above its 10-year median of 8.10. GuruFocus rates FRA:ZOF with a GF Score™ of 80/100 and a GF Value™ of €15.28 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 159 Diversified Financial Services companies, SBI Holdings ranks better than 96.86% on this metric.
During the past 12 months, SBI Holdings's average EPS without NRI Growth Rate was 101.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 122.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 23.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 16.70% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of SBI Holdings was 420.90% per year. The lowest was -67.40% per year. And the median was 8.10% per year.
SBI Holdings (FRA:ZOF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
SBI Holdings 3-Year EPS without NRI Growth Rate Related Terms
FRA:ZOF vs FRHC, VOYA: 3-Year EPS without NRI Growth Rate Comparison
For the Financial Conglomerates subindustry, SBI Holdings's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where SBI Holdings's 3-Year EPS without NRI Growth Rate falls into.
SBI Holdings 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 122.70% mean?
SBI Holdings (FRA:ZOF) has a 3-Year EPS without NRI Growth Rate of 122.70% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for SBI Holdings and its competitors. This is 1415% above median its historical median of 8.10. According to the industry distribution chart, SBI Holdings ranks #5 out of 159 companies in the Diversified Financial Services industry, placing it in the top 3.1%.
Is SBI Holdings' 3-Year EPS without NRI Growth Rate too high?
SBI Holdings' current 3-Year EPS without NRI Growth Rate of 122.70% is 1415% above median its 10-year median of 8.10. The Diversified Financial Services industry median 3-Year EPS without NRI Growth Rate is 16.00. SBI Holdings' value of 122.70% is 666.9% above this industry median. Based on the distribution chart, SBI Holdings ranks #5 out of 159 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 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' 3-Year EPS without NRI Growth Rate compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #5 out of 159 companies for 3-Year EPS without NRI Growth Rate. This places SBI Holdings in the top 3% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 16.00. SBI Holdings' value of 122.70% is 666.9% above this benchmark. While the company's 10-year median is 8.10 vs. the industry median of 16.00, SBI Holdings 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 3-Year EPS without NRI Growth Rate for a Diversified Financial Services company?
The median 3-Year EPS without NRI Growth Rate among Diversified Financial Services companies is 16.00, based on 159 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Holdings's current 3-Year EPS without NRI Growth Rate of 122.70% is 666.9% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for SBI Holdings and its competitors. For the Diversified Financial Services industry, the median 3-Year EPS without NRI Growth Rate is 16.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current 3-Year EPS without NRI Growth Rate is 122.70%, which is 1415% above median its own 10-year median of 8.10. 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 €15.28, compared to a current price of €18.41 — trading 20.5% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 122.70%, which is 1415% above median its 10-year median of 8.10 and 666.9% above the Diversified Financial Services industry median of 16.00. SBI Holdings' overall GF Score™ is 80/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For SBI Holdings (FRA:ZOF), the current 3-Year EPS without NRI Growth Rate is 122.70% 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 €18.41 is trading 20.5% above its estimated GF Value™ of €15.28.
GuruFocus considers SBI Holdings to be Modestly Overvalued.
Key valuation signals for FRA:ZOF:
3-Year EPS without NRI Growth Rate: 122.70% (1415% above median its 10-year median of 8.10)
GF Value™: €15.28 vs. price of €18.41 (20.5% above fair value)
Industry Position: 666.9% above the Diversified Financial Services median (#5 of 159)
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.
80GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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