SFGYY (Sony Financial Group) Moat Score: 6/10 (As of Jun. 29, 2026)


SFGYY Sony Financial Group Inc SFGYY
24 GF Score
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! 8 Warning Signs
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What is Sony Financial Group Moat Score?

Sony Financial Group SFGYY +5.35% 24 Moat Score is 6 as of Jun. 29, 2026. GuruFocus rates SFGYY with a GF Score™ of 24/100. The stock has 8 warning signs investors should review. Among 601 Insurance companies, Sony Financial Group ranks better than 95.01% on this metric.

Sony Financial Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Sony Financial Group has Narrow Moat: Sony Financial Group has a strong narrow moat due to its brand strength and customer loyalty in financial services. Its integration with Sony's broader ecosystem provides additional competitive advantages, though not enough for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Sony Financial Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Sony Financial Group  (OTCPK:SFGYY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Sony Financial Group Moat Score Related Terms

SFGYY vs AFL, MET, PRU: Moat Score Comparison

For the Insurance - Life subindustry, Sony Financial Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Sony Financial Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Sony Financial Group's Moat Score falls into.


SFGYY
24GF Score
Sony Financial Group Inc SFGYY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Sony Financial Group (SFGYY) has a Moat Score of 6 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Sony Financial Group ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is Sony Financial Group's Moat Score too high?
Sony Financial Group's current Moat Score is 6. Based on the distribution chart, Sony Financial Group ranks #30 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position 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 Moat Score compare to AFL and MET?
According to the Insurance industry distribution chart, Sony Financial Group ranks #30 out of 601 companies for Moat Score. This places Sony Financial Group in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Sony Financial Group's current Moat Score is 6. 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 Moat Score of 6. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Sony Financial Group (SFGYY), the current Moat Score is 6 as of Jun. 29, 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 Business Description

Address 1-9-2, Otemachi, Chiyoda-ku, Tokyo, JPN, 100-8179
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.
24GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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