Sony Financial GroupSFGYY -1.65%24 Interest Coverage is 3.62 as of Mar. 2026, which is 56% below its 10-year median of 8.18. GuruFocus rates SFGYY with a GF Score™ of 24/100. The stock has 8 warning signs investors should review. Among 351 Insurance companies, Sony Financial Group ranks worse than 92.02% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Sony Financial Group's
EBIT
for the
six
months ended in Mar. 2026 was $875 Mil. Sony Financial Group's Interest Expense for the
six
months ended in Mar. 2026 was $-242 Mil.
Sony Financial Group's interest coverage for the quarter that ended in Mar. 2026 was 3.62.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Sony Financial Group Inc interest coverage is 2.02, which is low.
The historical rank and industry rank for Sony Financial Group's Interest Coverage or its related term are showing as below:
SFGYY'
s Interest Coverage Range Over the Past 10 Years
Min: 1.85 Med: 8.18 Max: 11.01
Current: 2.02
SFGYY's Interest Coverage is ranked worse than 92.02% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs SFGYY: 2.02
Sony Financial Group (OTCPK:SFGYY) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Sony Financial Group Interest Coverage Related Terms
Sony Financial Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Sony Financial Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
SFGYY vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, Sony Financial Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Sony Financial Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Sony Financial Group's Interest Coverage falls into.
Sony Financial Group Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 3.62 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sony Financial Group and its competitors. This is 56% below median its historical median of 8.18. Over the past decade, Sony Financial Group's Interest Coverage has ranged from 1.85 to 11.01. According to the industry distribution chart, Sony Financial Group ranks #323 out of 351 companies in the Insurance industry, placing it in the top 92%.
Is Sony Financial Group's Interest Coverage too high?
Sony Financial Group's current Interest Coverage of 3.62 is 56% below median its 10-year median of 8.18. Over the past 10 years, this metric has ranged from a low of 1.85 to a high of 11.01. The Insurance industry median Interest Coverage is 16.23. Sony Financial Group's value of 3.62 is 77.7% below this industry median. Based on the distribution chart, Sony Financial Group ranks #323 out of 351 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Sony Financial Group ranks #323 out of 351 companies for Interest Coverage. This places Sony Financial Group in the lower half of its industry. The industry median Interest Coverage is 16.23. Sony Financial Group's value of 3.62 is 77.7% below this benchmark. Historically, Sony Financial Group's own Interest Coverage has ranged from 1.85 to 11.01 over the past decade. While the company's 10-year median is 8.18 vs. the industry median of 16.23, Sony Financial Group 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sony Financial Group's current Interest Coverage of 3.62 is 77.7% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sony Financial Group and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sony Financial Group's current Interest Coverage is 3.62, which is 56% below median its own 10-year median of 8.18. 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 Interest Coverage of 3.62. The current Interest Coverage is 3.62, which is 56% below median its 10-year median of 8.18 and 77.7% below the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Sony Financial Group (SFGYY), the current Interest Coverage is 3.62 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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