Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Shizuoka Financial Group's Total Liabilities for the quarter that ended in Mar. 2026 was $93,168 Mil. Shizuoka Financial Group's Total Assets for the quarter that ended in Mar. 2026 was $100,931 Mil.
Therefore, Shizuoka Financial Group's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.92.
Shizuoka Financial Group (OTCPK:SFGIF) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Shizuoka Financial Group Liabilities-to-Assets Related Terms
Shizuoka Financial Group Liabilities-to-Assets Historical Data
* Premium members only.
The historical data trend for Shizuoka Financial Group's Liabilities-to-Assets 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.
Shizuoka Financial Group Liabilities-to-Assets Chart
Shizuoka Financial Group Liabilities-to-Assets Competitor Comparison
For the Banks - Regional subindustry, Shizuoka Financial Group's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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.
Shizuoka Financial Group Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Shizuoka Financial Group's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Shizuoka Financial Group's Liabilities-to-Assets falls into.
Shizuoka Financial Group Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Shizuoka Financial Group's Liabilities-to-Assets 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.
Shizuoka Financial Group (SFGIF) has a Liabilities-to-Assets of 0.92 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Shizuoka Financial Group and its competitors.
Is Shizuoka Financial Group's Liabilities-to-Assets too high?
Shizuoka Financial Group's current Liabilities-to-Assets is 0.92. Overall, Shizuoka Financial Group has a GF Score™ of 43/100, reflecting its overall financial health beyond just this single metric.
How does Shizuoka Financial Group's Liabilities-to-Assets compare to competitors?
Shizuoka Financial Group's Liabilities-to-Assets of 0.92 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Shizuoka Financial Group and its competitors. Shizuoka Financial Group's current Liabilities-to-Assets is 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shizuoka Financial Group stock overvalued right now?
Shizuoka Financial Group (SFGIF) has a current Liabilities-to-Assets of 0.92. The stock's GF Value™ is $11.38, compared to a current price of $16.56 — trading 45.5% above its estimated fair value. The current Liabilities-to-Assets is 0.92. Shizuoka Financial Group's overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Shizuoka Financial Group (SFGIF), the current Liabilities-to-Assets is 0.92 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.
Is Shizuoka Financial Group (SFGIF) Overvalued in 2026?
Based on GuruFocus' analysis, Shizuoka Financial Group stock appears to be overvalued.
The current stock price of $16.56 is trading 45.5% above its estimated GF Value™ of $11.38.
Key valuation signals for SFGIF:
Liabilities-to-Assets: 0.92
GF Value™: $11.38 vs. price of $16.56 (45.5% above fair value)
No single metric tells the full story. See the SFGIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shizuoka Financial Group Inc is a Japan-based company engaged in providing financial services. It operates through two reportable segments: Banking and Leasing. The Banking segment includes deposit services, lending, securities investment, and foreign exchange operations. The Leasing segment is involved in leasing services and related financial transactions. It generates the majority of its revenue from the Banking segment.
43GF Score
Get the complete analysis for SFGIF
Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SFGIF has been successfully added to your 
