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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 (2026-09-01), the stock price of SAB Finance AS is Kč1060.00. SAB Finance AS's graham number for the quarter that ended in Dec. 2025 was KčN/A. Therefore, SAB Finance AS's Price to Graham Number ratio for today is N/A.
The historical rank and industry rank for SAB Finance AS's Graham Number or its related term are showing as below:
XPRA:SABFG's Price-to-Graham-Number is not ranked *
in the Capital Markets industry.
Industry Median: 1.085 * Ranked among companies with meaningful Price-to-Graham-Number only.
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
SAB Finance AS (XPRA:SABFG) 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.
SAB Finance AS's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
1060.00
/
N/A
=
N/A
* 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.
SAB Finance AS Graham Number Related Terms
SAB Finance AS Graham Number Historical Data
* Premium members only.
The historical data trend for SAB Finance AS'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.
XPRA:SABFG vs MS, GS, SCHW: Graham Number Comparison
For the Capital Markets subindustry, SAB Finance AS'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.
SAB Finance AS Price-to-Graham-Number vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, SAB Finance AS's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where SAB Finance AS'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.
SAB Finance AS (XPRA:SABFG) has a Graham Number of KčN/A as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on SAB Finance AS and its competitors. According to the industry distribution chart, SAB Finance AS ranks #999999 out of 518 companies in the Capital Markets industry.
Is SAB Finance AS's Graham Number too high?
SAB Finance AS's current Graham Number is KčN/A. Based on the distribution chart, SAB Finance AS ranks #999999 out of 518 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, SAB Finance AS has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SAB Finance AS's Graham Number compare to MS and GS?
According to the Capital Markets industry distribution chart, SAB Finance AS ranks #999999 out of 518 companies for Graham Number. This places SAB Finance AS in the lower half of its industry. The industry median Graham Number is 1.09. 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 a Capital Markets company?
The median Graham Number among Capital Markets companies is 1.09, based on 518 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. 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 SAB Finance AS and its competitors. For the Capital Markets industry, the median Graham Number is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SAB Finance AS's current Graham Number is KčN/A. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SAB Finance AS stock overvalued right now?
Based on GuruFocus' analysis, SAB Finance AS (XPRA:SABFG) is currently considered Fairly Valued. The stock's GF Value™ is Kč985.59, compared to a current price of Kč1,060.00 — trading 7.5% above its estimated fair value. The current Graham Number is KčN/A. SAB Finance AS's overall GF Score™ is 58/100 with 7 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 SAB Finance AS (XPRA:SABFG), the current Graham Number is KčN/A as of Dec. 2025. 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 SAB Finance AS (XPRA:SABFG) Overvalued in 2026?
Based on GuruFocus' analysis, SAB Finance AS stock appears to be overvalued.
The current stock price of Kč1,060.00 is trading 7.5% above its estimated GF Value™ of Kč985.59.
GuruFocus considers SAB Finance AS to be Fairly Valued.
Key valuation signals for XPRA:SABFG:
Graham Number: KčN/A
GF Value™: Kč985.59 vs. price of Kč1,060.00 (7.5% above fair value)
No single metric tells the full story. See the XPRA:SABFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SAB Finance AS is engaged in providing International Payment Solutions considering the foreign exchange fluctuations. Its platform allows to make outgoing payments and receive incoming payments. Some of the services offered by the company include Market Watch, Foreign Currency Analysis, Regular Payments, and Multi-Payments.
58GF Score
Get the complete analysis for XPRA:SABFG
Graham Number is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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