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SBI HoldingsFRA:ZOF -3.39%73 3-Year EBITDA Growth Rate is 41.40% as of Jun. 2026, which is 370% above its 10-year median of 8.80. GuruFocus rates FRA:ZOF with a GF Score™ of 73/100 and a GF Value™ of €16.52 (Fairly Valued). The stock has 7 warning signs investors should review. Among 204 Diversified Financial Services companies, SBI Holdings ranks better than 82.35% on this metric.
During the past 12 months, SBI Holdings's average EBITDA Per Share Growth Rate was 44.20% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 41.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 17.90% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 19.00% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of SBI Holdings was 41.40% per year. The lowest was -43.30% per year. And the median was 8.80% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
SBI Holdings 3-Year EBITDA Growth Rate Related Terms
FRA:ZOF vs FRHC, VOYA: 3-Year EBITDA Growth Rate Comparison
For the Financial Conglomerates subindustry, SBI Holdings's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where SBI Holdings's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 41.40% mean?
SBI Holdings (FRA:ZOF) has a 3-Year EBITDA Growth Rate of 41.40% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for SBI Holdings and its competitors. This is 370% above median its historical median of 8.80. According to the industry distribution chart, SBI Holdings ranks #36 out of 204 companies in the Diversified Financial Services industry, placing it in the top 17.6%.
Is SBI Holdings' 3-Year EBITDA Growth Rate too high?
SBI Holdings' current 3-Year EBITDA Growth Rate of 41.40% is 370% above median its 10-year median of 8.80. The Diversified Financial Services industry median 3-Year EBITDA Growth Rate is 18.45. SBI Holdings' value of 41.40% is 124.4% above this industry median. Based on the distribution chart, SBI Holdings ranks #36 out of 204 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 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' 3-Year EBITDA Growth Rate compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #36 out of 204 companies for 3-Year EBITDA Growth Rate. This places SBI Holdings in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 18.45. SBI Holdings' value of 41.40% is 124.4% above this benchmark. While the company's 10-year median is 8.80 vs. the industry median of 18.45, 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 EBITDA Growth Rate for a Diversified Financial Services company?
The median 3-Year EBITDA Growth Rate among Diversified Financial Services companies is 18.45, based on 204 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 41.40% is 124.4% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for SBI Holdings and its competitors. For the Diversified Financial Services industry, the median 3-Year EBITDA Growth Rate is 18.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current 3-Year EBITDA Growth Rate is 41.40%, which is 370% above median its own 10-year median of 8.80. 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 €16.52, compared to a current price of €16.25 — trading 1.6% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 41.40%, which is 370% above median its 10-year median of 8.80 and 124.4% above the Diversified Financial Services industry median of 18.45. SBI Holdings' overall GF Score™ is 73/100 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 EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For SBI Holdings (FRA:ZOF), the current 3-Year EBITDA Growth Rate is 41.40% 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 undervalued.
The current stock price of €16.25 is trading 1.6% below its estimated GF Value™ of €16.52.
GuruFocus considers SBI Holdings to be Fairly Valued.
Key valuation signals for FRA:ZOF:
3-Year EBITDA Growth Rate: 41.40% (370% above median its 10-year median of 8.80)
GF Value™: €16.52 vs. price of €16.25 (1.6% below fair value)
Industry Position: 124.4% above the Diversified Financial Services median (#36 of 204)
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.
73GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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