SAB Finance AS (XPRA:SABFG) ROE % Adjusted to Book Value: 3.66% (As of Dec. 2025)


XPRA:SABFG SAB Finance AS XPRA:SABFG
56 GF Score
Price Kč1,050.00
GF Value Kč1,004.43
Valuation Fairly Valued
! 6 Warning Signs
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What is SAB Finance AS ROE % Adjusted to Book Value?

SAB Finance AS XPRA:SABFG +0.96% 56 ROE % Adjusted to Book Value is 3.66% as of Dec. 2025. GuruFocus rates XPRA:SABFG with a GF Score™ of 56/100 and a GF Value™ of Kč1,004.43 (Fairly Valued). The stock has 6 warning signs investors should review.

SAB Finance AS's ROE % for the quarter that ended in Dec. 2025 was 6.04%. SAB Finance AS's PB Ratio for the quarter that ended in Dec. 2025 was 1.65. SAB Finance AS's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 3.66%.

SAB Finance AS ROE % Adjusted to Book Value Related Terms

SAB Finance AS ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for SAB Finance AS's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

SAB Finance AS Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only 8.57 10.02 7.92 11.42 8.99

SAB Finance AS Semi-Annual Data
Dec17 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.19 16.07 7.34 13.93 3.66

XPRA:SABFG vs MS, GS, SCHW: ROE % Adjusted to Book Value Comparison

For the Capital Markets subindustry, SAB Finance AS's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, SAB Finance AS's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where SAB Finance AS's ROE % Adjusted to Book Value falls into.


XPRA:SABFG
56GF Score
SAB Finance AS XPRA:SABFG
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SAB Finance AS ROE % Adjusted to Book Value Calculation

SAB Finance AS's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.83% / 1.65
=8.99%

SAB Finance AS's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=6.04% / 1.65
=3.66%

* 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.

What does a ROE % Adjusted to Book Value of 3.66% mean?
SAB Finance AS (XPRA:SABFG) has a ROE % Adjusted to Book Value of 3.66% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SAB Finance AS and its competitors.
Is SAB Finance AS's ROE % Adjusted to Book Value too high?
SAB Finance AS's current ROE % Adjusted to Book Value is 3.66%. 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 ROE % Adjusted to Book Value compare to MS and GS?
SAB Finance AS's ROE % Adjusted to Book Value of 3.66% can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Capital Markets company?
A good ROE % Adjusted to Book Value depends on the Capital Markets industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SAB Finance AS and its competitors. SAB Finance AS's current ROE % Adjusted to Book Value is 3.66%. 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 Kč1,004.43, compared to a current price of Kč1,050.00 — trading 4.5% above its estimated fair value. The current ROE % Adjusted to Book Value is 3.66%. SAB Finance AS's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For SAB Finance AS (XPRA:SABFG), the current ROE % Adjusted to Book Value is 3.66% 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 Kč1,050.00 is trading 4.5% above its estimated GF Value™ of Kč1,004.43. GuruFocus considers SAB Finance AS to be Fairly Valued.

Key valuation signals for XPRA:SABFG:

  • ROE % Adjusted to Book Value: 3.66%
  • GF Value™: Kč1,004.43 vs. price of Kč1,050.00 (4.5% above fair value)
  • GF Score™: 56/100 with 6 warning signs

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 Business Description

Address Senovazne namisti 1375/19, 1 Novv Misto, Praha, CZE
SAB Finance AS is engaged in providing International Payment Solutions considering the foreign exchange fluctuations. Its platform allows to make outgoing payments and receive incoming payments. Some of the services offered by the company include Market Watch, Foreign Currency Analysis, Regular Payments, and Multi-Payments.
56GF Score

Get the complete analysis for XPRA:SABFG

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Kč1,050.00
Price
Kč1,004.43
GF Value