Sony Financial GroupSFGRF 24 ROE % is 22.03% as of Mar. 2026, which is 159% above its 10-year median of 8.51. GuruFocus rates SFGRF with a GF Score™ of 24/100. The stock has 8 warning signs investors should review. Among 502 Insurance companies, Sony Financial Group ranks worse than 63.55% on this metric.
The historical rank and industry rank for Sony Financial Group's ROE % or its related term are showing as below:
SFGRF'
s ROE % Range Over the Past 10 Years
Min: 6.24 Med: 8.51 Max: 18.42
Current: 8.55
During the past 13 years, Sony Financial Group's highest ROE % was 18.42%. The lowest was 6.24%. And the median was 8.51%.
SFGRF's ROE % is ranked worse than 63.55% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs SFGRF: 8.55
Sony Financial Group (OTCPK:SFGRF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Mar. 2026) net income data. The Revenue data used here is two times the semi-annual (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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.
For the Insurance - Life subindustry, Sony Financial Group's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sony Financial Group's ROE % distribution charts can be found below:
* The bar in red indicates where Sony Financial Group's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Sony Financial Group (SFGRF) has a ROE % of 22.03% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sony Financial Group and its competitors. This is 159% above median its historical median of 8.51. Over the past decade, Sony Financial Group's ROE % has ranged from 6.24 to 18.42. According to the industry distribution chart, Sony Financial Group ranks #319 out of 502 companies in the Insurance industry, placing it in the top 63.5%.
Is Sony Financial Group's ROE % too high?
Sony Financial Group's current ROE % of 22.03% is 159% above median its 10-year median of 8.51. Over the past 10 years, this metric has ranged from a low of 6.24 to a high of 18.42. The Insurance industry median ROE % is 11.73. Sony Financial Group's value of 22.03% is 87.8% above this industry median. Based on the distribution chart, Sony Financial Group ranks #319 out of 502 companies in the Insurance industry, which is below the industry midpoint. 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 ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, Sony Financial Group ranks #319 out of 502 companies for ROE %. This places Sony Financial Group in the lower half of its industry. The industry median ROE % is 11.73. Sony Financial Group's value of 22.03% is 87.8% above this benchmark. Historically, Sony Financial Group's own ROE % has ranged from 6.24 to 18.42 over the past decade. While the company's 10-year median is 8.51 vs. the industry median of 11.73, Sony Financial Group has consistently been above 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sony Financial Group's current ROE % of 22.03% is 87.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sony Financial Group and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sony Financial Group's current ROE % is 22.03%, which is 159% above median its own 10-year median of 8.51. 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 (SFGRF) has a current ROE % of 22.03%. The current ROE % is 22.03%, which is 159% above median its 10-year median of 8.51 and 87.8% above the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Sony Financial Group (SFGRF), the current ROE % is 22.03% 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.
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.
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