Shizuoka Financial GroupSFGIF +15.42%41 Net Margin % is 20.41% as of Mar. 2026, which is 25% below its 10-year median of 27.11. GuruFocus rates SFGIF with a GF Score™ of 41/100 and a GF Value™ of $11.21 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Shizuoka Financial Group ranks better than 57.91% on this metric.
The historical rank and industry rank for Shizuoka Financial Group's Net Margin % or its related term are showing as below:
SFGIF'
s Net Margin % Range Over the Past 10 Years
Min: 25.13 Med: 27.11 Max: 33.73
Current: 29.04
SFGIF's Net Margin % is ranked better than 57.91% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs SFGIF: 29.04
Shizuoka Financial Group (OTCPK:SFGIF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Shizuoka Financial Group Net Margin % Related Terms
Shizuoka Financial Group Net Margin % Historical Data
* 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Shizuoka Financial Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Shizuoka Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Shizuoka Financial Group's Net Margin % 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.
Shizuoka Financial Group (SFGIF) has a Net Margin % of 20.41% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Shizuoka Financial Group and its competitors. This is 25% below median its historical median of 27.11. Over the past decade, Shizuoka Financial Group's Net Margin % has ranged from 25.13 to 33.73. According to the industry distribution chart, Shizuoka Financial Group ranks #644 out of 1530 companies in the Banks industry, placing it in the top 42.1%.
Is Shizuoka Financial Group's Net Margin % too high?
Shizuoka Financial Group's current Net Margin % of 20.41% is 25% below median its 10-year median of 27.11. Over the past 10 years, this metric has ranged from a low of 25.13 to a high of 33.73. The Banks industry median Net Margin % is 26.85. Shizuoka Financial Group's value of 20.41% is 24% below this industry median. Based on the distribution chart, Shizuoka Financial Group ranks #644 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Shizuoka Financial Group has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Shizuoka Financial Group's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Shizuoka Financial Group ranks #644 out of 1530 companies for Net Margin %. This puts Shizuoka Financial Group in the upper half of its industry. The industry median Net Margin % is 26.85. Shizuoka Financial Group's value of 20.41% is 24% below this benchmark. Historically, Shizuoka Financial Group's own Net Margin % has ranged from 25.13 to 33.73 over the past decade. While the company's 10-year median is 27.11 vs. the industry median of 26.85, Shizuoka 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shizuoka Financial Group's current Net Margin % of 20.41% is 24% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Shizuoka Financial Group and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shizuoka Financial Group's current Net Margin % is 20.41%, which is 25% below median its own 10-year median of 27.11. 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?
Based on GuruFocus' analysis, Shizuoka Financial Group (SFGIF) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.21, compared to a current price of $16.56 — trading 47.7% above its estimated fair value. The current Net Margin % is 20.41%, which is 25% below median its 10-year median of 27.11 and 24% below the Banks industry median of 26.85. Shizuoka Financial Group's overall GF Score™ is 41/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Shizuoka Financial Group (SFGIF), the current Net Margin % is 20.41% 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 47.7% above its estimated GF Value™ of $11.21.
GuruFocus considers Shizuoka Financial Group to be Significantly Overvalued.
Key valuation signals for SFGIF:
Net Margin %: 20.41% (25% below median its 10-year median of 27.11)
GF Value™: $11.21 vs. price of $16.56 (47.7% above fair value)
Industry Position: 24% below the Banks median (#644 of 1530)
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.
41GF Score
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