SFGYY (Sony Financial Group) Effective Interest Rate on Debt %: 4.98% (As of Mar. 2026)


SFGYY Sony Financial Group Inc SFGYY
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What is Sony Financial Group Effective Interest Rate on Debt %?

Sony Financial Group SFGYY +2.00% 24 Effective Interest Rate on Debt % is 4.98% as of Mar. 2026. GuruFocus rates SFGYY with a GF Score™ of 24/100. The stock has 8 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Sony Financial Group's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $483 Mil. Sony Financial Group's average total debt for the quarter that ended in Mar. 2026 was $9,706 Mil. Therefore, Sony Financial Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.98%.


Sony Financial Group  (OTCPK:SFGYY) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Sony Financial Group Effective Interest Rate on Debt % Related Terms


Sony Financial Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Sony Financial Group's Effective Interest Rate on Debt % 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.

Sony Financial Group Effective Interest Rate on Debt % Chart

Sony Financial Group Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.43 1.70 4.75 6.49 5.71

Sony Financial Group Semi-Annual Data
Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.70 6.19 7.10 6.09 4.98

SFGYY vs AFL, MET, PRU: Effective Interest Rate on Debt % Comparison

For the Insurance - Life subindustry, Sony Financial Group's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Sony Financial Group's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Sony Financial Group's Effective Interest Rate on Debt % falls into.


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Sony Financial Group Effective Interest Rate on Debt % Calculation

Sony Financial Group's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2025 )+Total Debt  (A: Mar. 2026 ))/ count )
=-1  *  -484.312/( (7331.3+9645.929)/ 2 )
=-1  *  -484.312/8488.6145
=5.71 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=7331.3 + 0
=7331.3

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9645.929 + 0
=9645.929

Sony Financial Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -483.418/( (9766.622+9645.929)/ 2 )
=-1  *  -483.418/9706.2755
=4.98 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9766.622 + 0
=9766.622

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9645.929 + 0
=9645.929

* 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 4.98% mean?
Sony Financial Group (SFGYY) has a Effective Interest Rate on Debt % of 4.98% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sony Financial Group and its competitors.
Is Sony Financial Group's Effective Interest Rate on Debt % too high?
Sony Financial Group's current Effective Interest Rate on Debt % is 4.98%. 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 Effective Interest Rate on Debt % compare to AFL and MET?
Sony Financial Group's Effective Interest Rate on Debt % of 4.98% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sony Financial Group and its competitors. Sony Financial Group's current Effective Interest Rate on Debt % is 4.98%. 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 Effective Interest Rate on Debt % of 4.98%. The current Effective Interest Rate on Debt % is 4.98%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Sony Financial Group (SFGYY), the current Effective Interest Rate on Debt % is 4.98% 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 Business Description

Address 1-9-2, Otemachi, Chiyoda-ku, Tokyo, JPN, 100-8179
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.
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