SBI Holdings (STU:ZOF) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

STU:ZOF SBI Holdings Inc STU:ZOF
80 GF Score
Price €15.07
GF Value €13.63
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is SBI Holdings Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of SBI Holdings is: Moderate Risk: Sensitive, better choose undervalued stock.

SBI Holdings  (STU:ZOF) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

SBI Holdings Risk Assessment Related Terms

STU:ZOF vs VOYA, FRHC: Risk Assessment Comparison

For the Financial Conglomerates subindustry, SBI Holdings's Risk Assessment, along with its competitors' market caps and Risk Assessment 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.

SBI Holdings Risk Assessment vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's Risk Assessment distribution charts can be found below:

* The bar in red indicates where SBI Holdings's Risk Assessment falls into.


STU:ZOF
80GF Score
SBI Holdings Inc STU:ZOF
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is SBI Holdings (STU:ZOF) Overvalued in 2026?

Based on GuruFocus' analysis, SBI Holdings stock appears to be overvalued. The current stock price of €15.07 is trading 10.6% above its estimated GF Value™ of €13.63. GuruFocus considers SBI Holdings to be Modestly Overvalued.

Key valuation signals for STU:ZOF:

  • Risk Assessment:
  • GF Value™: €13.63 vs. price of €15.07 (10.6% above fair value)
  • GF Score™: 80/100 with 7 warning signs

No single metric tells the full story. See the STU:ZOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SBI Holdings Business Description

Other Exchanges SBHGF:USA8473:Japan
Address 1-6-1 Roppongi, Minato-ku, Tokyo, JPN, 106-6019
SBI Holdings Inc is a financial conglomerate that offers a variety of services in securities, banking, and insurance. The company operates through five segments. The Asset Management segment provides investment management, advice, and financial product information. The Crypto Asset segment offers crypto exchange and trading services. The Financial Services segment covers securities, banking, and insurance activities in Japan and abroad. The Investment segment invests in IT, fintech, blockchain, finance, and biotech ventures. The Next Generation Business develops and sells pharmaceuticals, health foods, and cosmetics, conducts R&D in cancer and immunology, offers digital medical solutions, and engages in medical finance. It generates majority of its revenue from Financial services segment.
80GF Score

Get the complete analysis for STU:ZOF

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

€15.07
Price
€13.63
GF Value