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Sony Financial GroupSFGYY -0.42%24 Graham Number is $3.79 as of Mar. 2026, which is 218% above its 10-year median of 1.19. GuruFocus rates SFGYY with a GF Score™ of 24/100. The stock has 8 warning signs investors should review. Among 425 Insurance companies, Sony Financial Group ranks worse than 70.12% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-07-19), the stock price of Sony Financial Group is $4.73. Sony Financial Group's graham number for the quarter that ended in Mar. 2026 was $3.79. Therefore, Sony Financial Group's Price to Graham Number ratio for today is 1.25.
The historical rank and industry rank for Sony Financial Group's Graham Number or its related term are showing as below:
SFGYY'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.19 Med: 1.19 Max: 1.29
Current: 1.27
During the past 13 years, the highest Price to Graham Number ratio of Sony Financial Group was 1.29. The lowest was 1.19. And the median was 1.19.
SFGYY's Price-to-Graham-Number is ranked worse than 70.12% of 425
companies
in the Insurance industry
Industry Median: 0.94
vs SFGYY: 1.27
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Sony Financial Group (OTCPK:SFGYY) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Sony Financial Group's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
4.73
/
3.79
=
1.25
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Sony Financial Group Graham Number Related Terms
Sony Financial Group Graham Number Historical Data
* Premium members only.
The historical data trend for Sony Financial Group's Graham Number 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 Insurance - Life subindustry, Sony Financial Group's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Insurance Industry
For the Insurance industry and Financial Services sector, Sony Financial Group's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Sony Financial Group's Price-to-Graham-Number falls into.
* 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 (SFGYY) has a Graham Number of $3.79 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Sony Financial Group and its competitors. This is 218% above median its historical median of 1.19. Over the past decade, Sony Financial Group's Graham Number has ranged from 1.19 to 1.29. According to the industry distribution chart, Sony Financial Group ranks #298 out of 425 companies in the Insurance industry, placing it in the top 70.1%.
Is Sony Financial Group's Graham Number too high?
Sony Financial Group's current Graham Number of $3.79 is 218% above median its 10-year median of 1.19. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 1.29. The Insurance industry median Graham Number is 0.94. Sony Financial Group's value of $3.79 is 303.2% above this industry median. Based on the distribution chart, Sony Financial Group ranks #298 out of 425 companies in the Insurance industry, which is below the industry midpoint. 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 Graham Number compare to AFL and MET?
According to the Insurance industry distribution chart, Sony Financial Group ranks #298 out of 425 companies for Graham Number. This places Sony Financial Group in the lower half of its industry. The industry median Graham Number is 0.94. Sony Financial Group's value of $3.79 is 303.2% above this benchmark. Historically, Sony Financial Group's own Graham Number has ranged from 1.19 to 1.29 over the past decade. While the company's 10-year median is 1.19 vs. the industry median of 0.94, Sony Financial Group 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 Graham Number for an Insurance company?
The median Graham Number among Insurance companies is 0.94, based on 425 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sony Financial Group's current Graham Number of $3.79 is 303.2% 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Sony Financial Group and its competitors. For the Insurance industry, the median Graham Number is 0.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sony Financial Group's current Graham Number is $3.79, which is 218% above median its own 10-year median of 1.19. 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 Graham Number of $3.79. The current Graham Number is $3.79, which is 218% above median its 10-year median of 1.19 and 303.2% above the Insurance industry median of 0.94. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Sony Financial Group (SFGYY), the current Graham Number is $3.79 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 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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