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SAB Finance ASXPRA:SABFG 56 Owner Earnings per Share (TTM) is 80.27 as of Dec. 2025. GuruFocus rates XPRA:SABFG with a GF Score™ of 56/100 and a GF Value™ of Kč978.40 (Fairly Valued). The stock has 7 warning signs investors should review. Among 342 Capital Markets companies, SAB Finance AS ranks better than 52.34% on this metric.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
SAB Finance AS does not have enough data to calculate Owner Earnings per Share (TTM), so as Price-to-Owner-Earnings ratio.
The historical rank and industry rank for SAB Finance AS's Owner Earnings per Share (TTM) or its related term are showing as below:
XPRA:SABFG'
s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.71 Med: 2.63 Max: 14.45
Current: 13.2
XPRA:SABFG's Price-to-Owner-Earnings is ranked better than 52.34% of 342
companies
in the Capital Markets industry
Industry Median: 13.855
vs XPRA:SABFG: 13.20
Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.
Note: GuruFocus' Change In Working Capital is provided by FactSet. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.
SAB Finance AS Owner Earnings per Share (TTM) Related Terms
SAB Finance AS Owner Earnings per Share (TTM) Historical Data
* Premium members only.
The historical data trend for SAB Finance AS's Owner Earnings per Share (TTM) 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.
SAB Finance AS Owner Earnings per Share (TTM) Chart
XPRA:SABFG vs MS, GS, SCHW: Owner Earnings per Share (TTM) Comparison
For the Capital Markets subindustry, SAB Finance AS's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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-Owner-Earnings vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, SAB Finance AS's Price-to-Owner-Earnings distribution charts can be found below:
* The bar in red indicates where SAB Finance AS's Price-to-Owner-Earnings falls into.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
What does a Owner Earnings per Share (TTM) of 80.27 mean?
SAB Finance AS (XPRA:SABFG) has a Owner Earnings per Share (TTM) of 80.27 as of Dec. 2025. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on SAB Finance AS. According to the industry distribution chart, SAB Finance AS ranks #163 out of 342 companies in the Capital Markets industry, placing it in the top 47.7%.
Is SAB Finance AS's Owner Earnings per Share (TTM) too high?
SAB Finance AS's current Owner Earnings per Share (TTM) is 80.27. The Capital Markets industry median Owner Earnings per Share (TTM) is 13.86. SAB Finance AS's value of 80.27 is 479.4% above this industry median. Based on the distribution chart, SAB Finance AS ranks #163 out of 342 companies in the Capital Markets industry, which is above the industry midpoint. Overall, SAB Finance AS has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SAB Finance AS's Owner Earnings per Share (TTM) compare to MS and GS?
According to the Capital Markets industry distribution chart, SAB Finance AS ranks #163 out of 342 companies for Owner Earnings per Share (TTM). This puts SAB Finance AS in the upper half of its industry. The industry median Owner Earnings per Share (TTM) is 13.86. SAB Finance AS's value of 80.27 is 479.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Owner Earnings per Share (TTM) for a Capital Markets company?
The median Owner Earnings per Share (TTM) among Capital Markets companies is 13.86, based on 342 companies in the industry. Companies in the top quartile (top 25%) have a Owner Earnings per Share (TTM) significantly above this median, while those in the bottom quartile fall well below. However, Owner Earnings per Share (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SAB Finance AS's current Owner Earnings per Share (TTM) of 80.27 is 479.4% above 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 Owner Earnings per Share (TTM) mean?
A high Owner Earnings per Share (TTM) can signal that a stock is expensive relative to its fundamentals. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on SAB Finance AS. For the Capital Markets industry, the median Owner Earnings per Share (TTM) is 13.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SAB Finance AS's current Owner Earnings per Share (TTM) is 80.27. 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 Kč978.40, compared to a current price of Kč1,060.00 — trading 8.3% above its estimated fair value. The current Owner Earnings per Share (TTM) is 80.27 and 479.4% above the Capital Markets industry median of 13.86. SAB Finance AS's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Owner Earnings per Share (TTM) calculated?
Owner Earnings per Share (TTM) is calculated from a company's financial statements. For SAB Finance AS (XPRA:SABFG), the current Owner Earnings per Share (TTM) is 80.27 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 8.3% above its estimated GF Value™ of Kč978.40.
GuruFocus considers SAB Finance AS to be Fairly Valued.
Key valuation signals for XPRA:SABFG:
Owner Earnings per Share (TTM): 80.27
GF Value™: Kč978.40 vs. price of Kč1,060.00 (8.3% above fair value)
Industry Position: 479.4% above the Capital Markets median (#163 of 342)
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 a Czech financial services company that provides international payment and foreign exchange solutions for corporate and business clients. Through its platform, customers make outgoing payments and receive incoming payments in multiple currencies, while managing exposure to exchange-rate fluctuations. Its service offering includes market monitoring and foreign currency analysis, regular and recurring payment arrangements, and multi-payment functionality that lets clients execute batches of cross-border transfers. The company primarily serves businesses engaged in international trade and commerce that need efficient settlement across currencies and jurisdictions. Revenue is generated mainly from payment processing and foreign exchange-related services, including transaction fees and margins on currency conversion. SAB Finance is headquartered in the Czech Republic and focuses on cross-border payment flows connecting clients with counterparties and markets abroad.
56GF Score
Get the complete analysis for XPRA:SABFG
Owner Earnings per Share (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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