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SBI HoldingsFRA:ZOF +0.24%73 EV-to-EBITDA is 5.31 as of Jul. 23, 2026, which is 56% below its 10-year median of 12.20. GuruFocus rates FRA:ZOF with a GF Score™ of 73/100 and a GF Value™ of €13.80 (Fairly Valued). The stock has 7 warning signs investors should review. Among 152 Diversified Financial Services companies, SBI Holdings ranks worse than 55.26% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, SBI Holdings's enterprise value is €16,379 Mil.
SBI Holdings's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was €3,087 Mil. Therefore, SBI Holdings's EV-to-EBITDA for today is 5.31.
The historical rank and industry rank for SBI Holdings's EV-to-EBITDA or its related term are showing as below:
FRA:ZOF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.16 Med: 12.2 Max: 23.86
Current: 5.54
During the past 13 years, the highest EV-to-EBITDA of SBI Holdings was 23.86. The lowest was 3.16. And the median was 12.20.
FRA:ZOF's EV-to-EBITDA is ranked worse than 55.26% of 152
companies
in the Diversified Financial Services industry
Industry Median: 4.255
vs FRA:ZOF: 5.54
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
SBI Holdings (FRA:ZOF) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
SBI Holdings's PE Ratio (TTM) for today is calculated as:
SBI Holdings's share price for today is €14.90.
SBI Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.518.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for SBI Holdings's EV-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 Financial Conglomerates subindustry, SBI Holdings's EV-to-EBITDA, along with its competitors' market caps and EV-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.
SBI Holdings EV-to-EBITDA vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where SBI Holdings's EV-to-EBITDA falls into.
SBI Holdings's current Enterprise Value is €16,379 Mil.
SBI Holdings's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3,087 Mil.
* 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 EV-to-EBITDA of 5.31 as of Jul. 23, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on SBI Holdings. This is 56% below median its historical median of 12.20. Over the past decade, SBI Holdings' EV-to-EBITDA has ranged from 3.16 to 23.86. According to the industry distribution chart, SBI Holdings ranks #84 out of 152 companies in the Diversified Financial Services industry, placing it in the top 55.3%.
Is SBI Holdings' EV-to-EBITDA too high?
SBI Holdings' current EV-to-EBITDA of 5.31 is 56% below median its 10-year median of 12.20. Over the past 10 years, this metric has ranged from a low of 3.16 to a high of 23.86. The Diversified Financial Services industry median EV-to-EBITDA is 4.26. SBI Holdings' value of 5.31 is 24.8% above this industry median. Based on the distribution chart, SBI Holdings ranks #84 out of 152 companies in the Diversified Financial Services industry, which is below the industry midpoint. 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' EV-to-EBITDA compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #84 out of 152 companies for EV-to-EBITDA. This places SBI Holdings in the lower half of its industry. The industry median EV-to-EBITDA is 4.26. SBI Holdings' value of 5.31 is 24.8% above this benchmark. Historically, SBI Holdings' own EV-to-EBITDA has ranged from 3.16 to 23.86 over the past decade. While the company's 10-year median is 12.20 vs. the industry median of 4.26, 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 EV-to-EBITDA for a Diversified Financial Services company?
The median EV-to-EBITDA among Diversified Financial Services companies is 4.26, based on 152 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Holdings's current EV-to-EBITDA of 5.31 is 24.8% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on SBI Holdings. For the Diversified Financial Services industry, the median EV-to-EBITDA is 4.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current EV-to-EBITDA is 5.31, which is 56% below median its own 10-year median of 12.20. 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 €13.80, compared to a current price of €14.90 — trading 8% above its estimated fair value. The current EV-to-EBITDA is 5.31, which is 56% below median its 10-year median of 12.20 and 24.8% above the Diversified Financial Services industry median of 4.26. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For SBI Holdings (FRA:ZOF), the current EV-to-EBITDA is 5.31 as of Jul. 23, 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 €14.90 is trading 8% above its estimated GF Value™ of €13.80.
GuruFocus considers SBI Holdings to be Fairly Valued.
Key valuation signals for FRA:ZOF:
EV-to-EBITDA: 5.31 (56% below median its 10-year median of 12.20)
GF Value™: €13.80 vs. price of €14.90 (8% above fair value)
Industry Position: 24.8% above the Diversified Financial Services median (#84 of 152)
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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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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