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SBI HoldingsFRA:ZOF +0.54%75 Equity-to-Asset is 0.05 as of Jun. 2026, which is 38% below its 10-year median of 0.08. GuruFocus rates FRA:ZOF with a GF Score™ of 75/100 and a GF Value™ of €15.74 (Fairly Valued). The stock has 7 warning signs investors should review. Among 546 Diversified Financial Services companies, SBI Holdings ranks worse than 80.77% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. SBI Holdings's Total Stockholders Equity for the quarter that ended in Jun. 2026 was €10,071 Mil. SBI Holdings's Total Assets for the quarter that ended in Jun. 2026 was €211,572 Mil.
Therefore, SBI Holdings's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.05.
The historical rank and industry rank for SBI Holdings's Equity-to-Asset or its related term are showing as below:
FRA:ZOF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04 Med: 0.08 Max: 0.11
Current: 0.05
During the past 13 years, the highest Equity to Asset Ratio of SBI Holdings was 0.11. The lowest was 0.04. And the median was 0.08.
FRA:ZOF's Equity-to-Asset is ranked worse than 80.77% of 546
companies
in the Diversified Financial Services industry
Industry Median: 0.9
vs FRA:ZOF: 0.05
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
SBI Holdings Equity-to-Asset Related Terms
SBI Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for SBI Holdings's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where SBI Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
SBI Holdings's Equity to Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Equity-to-Asset of 0.05 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SBI Holdings and its competitors. This is 38% below median its historical median of 0.08. Over the past decade, SBI Holdings' Equity-to-Asset has ranged from 0.04 to 0.11. According to the industry distribution chart, SBI Holdings ranks #441 out of 546 companies in the Diversified Financial Services industry, placing it in the top 80.8%.
Is SBI Holdings' Equity-to-Asset too high?
SBI Holdings' current Equity-to-Asset of 0.05 is 38% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.11. The Diversified Financial Services industry median Equity-to-Asset is 0.90. SBI Holdings' value of 0.05 is 94.4% below this industry median. Based on the distribution chart, SBI Holdings ranks #441 out of 546 companies in the Diversified Financial Services industry, which is in the bottom quartile relative to peers. Overall, SBI Holdings has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' Equity-to-Asset compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #441 out of 546 companies for Equity-to-Asset. This places SBI Holdings in the lower half of its industry. The industry median Equity-to-Asset is 0.90. SBI Holdings' value of 0.05 is 94.4% below this benchmark. Historically, SBI Holdings' own Equity-to-Asset has ranged from 0.04 to 0.11 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.90, SBI Holdings has consistently been below 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 Equity-to-Asset for a Diversified Financial Services company?
The median Equity-to-Asset among Diversified Financial Services companies is 0.90, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Holdings's current Equity-to-Asset of 0.05 is 94.4% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SBI Holdings and its competitors. For the Diversified Financial Services industry, the median Equity-to-Asset is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current Equity-to-Asset is 0.05, which is 38% below median its own 10-year median of 0.08. 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 €15.74, compared to a current price of €16.76 — trading 6.4% above its estimated fair value. The current Equity-to-Asset is 0.05, which is 38% below median its 10-year median of 0.08 and 94.4% below the Diversified Financial Services industry median of 0.90. SBI Holdings' overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For SBI Holdings (FRA:ZOF), the current Equity-to-Asset is 0.05 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 €16.76 is trading 6.4% above its estimated GF Value™ of €15.74.
GuruFocus considers SBI Holdings to be Fairly Valued.
Key valuation signals for FRA:ZOF:
Equity-to-Asset: 0.05 (38% below median its 10-year median of 0.08)
GF Value™: €15.74 vs. price of €16.76 (6.4% above fair value)
Industry Position: 94.4% below the Diversified Financial Services median (#441 of 546)
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.
75GF Score
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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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