SBI Holdings (FRA:ZOF) 3-Year RORE % : 58.20% (As of Mar. 2026)


FRA:ZOF SBI Holdings Inc FRA:ZOF
82 GF Score
Price €14.35
GF Value €13.97
Valuation Fairly Valued
! 7 Warning Signs
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What is SBI Holdings 3-Year RORE %?

SBI Holdings FRA:ZOF +0.95% 82 3-Year RORE % is 58.20 as of Mar. 2026. GuruFocus rates FRA:ZOF with a GF Score™ of 82/100 and a GF Value™ of €13.97 (Fairly Valued). The stock has 7 warning signs investors should review. Among 224 Diversified Financial Services companies, SBI Holdings ranks better than 87.05% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. SBI Holdings's 3-Year RORE % for the quarter that ended in Mar. 2026 was 58.20%.

The industry rank for SBI Holdings's 3-Year RORE % or its related term are showing as below:

FRA:ZOF's 3-Year RORE % is ranked better than
87.05% of 224 companies
in the Diversified Financial Services industry
Industry Median: 5.05 vs FRA:ZOF: 58.20

SBI Holdings  (FRA:ZOF) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


SBI Holdings 3-Year RORE % Related Terms


SBI Holdings 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for SBI Holdings's 3-Year RORE % 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.

SBI Holdings 3-Year RORE % Chart

SBI Holdings Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 82.35 -15.55 -86.27 86.15 58.20

SBI Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only 86.15 66.99 69.35 61.27 58.20

FRA:ZOF vs VOYA, FRHC: 3-Year RORE % Comparison

For the Financial Conglomerates subindustry, SBI Holdings's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where SBI Holdings's 3-Year RORE % falls into.


FRA:ZOF
82GF Score
SBI Holdings Inc FRA:ZOF
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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SBI Holdings 3-Year RORE % Calculation

SBI Holdings's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 3.518-0.905 )/( 6.006-1.516 )
=2.613/4.49
=58.20 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 58.20 mean?
SBI Holdings (FRA:ZOF) has a 3-Year RORE % of 58.20 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on SBI Holdings and its competitors. According to the industry distribution chart, SBI Holdings ranks #29 out of 224 companies in the Diversified Financial Services industry, placing it in the top 12.9%.
Is SBI Holdings' 3-Year RORE % too high?
SBI Holdings' current 3-Year RORE % is 58.20. The Diversified Financial Services industry median 3-Year RORE % is 5.05. SBI Holdings' value of 58.20 is 1052.5% above this industry median. Based on the distribution chart, SBI Holdings ranks #29 out of 224 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, SBI Holdings has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' 3-Year RORE % compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #29 out of 224 companies for 3-Year RORE %. This places SBI Holdings in the top 13% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 5.05. SBI Holdings' value of 58.20 is 1052.5% 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 3-Year RORE % for a Diversified Financial Services company?
The median 3-Year RORE % among Diversified Financial Services companies is 5.05, based on 224 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Holdings's current 3-Year RORE % of 58.20 is 1052.5% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on SBI Holdings and its competitors. For the Diversified Financial Services industry, the median 3-Year RORE % is 5.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current 3-Year RORE % is 58.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Holdings stock overvalued right now?
Based on GuruFocus' analysis, SBI Holdings (FRA:ZOF) is currently considered Fairly Valued. The stock's GF Value™ is €13.97, compared to a current price of €14.35 — trading 2.7% above its estimated fair value. The current 3-Year RORE % is 58.20 and 1052.5% above the Diversified Financial Services industry median of 5.05. SBI Holdings' overall GF Score™ is 82/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For SBI Holdings (FRA:ZOF), the current 3-Year RORE % is 58.20 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 SBI Holdings (FRA:ZOF) Overvalued in 2026?

Based on GuruFocus' analysis, SBI Holdings stock appears to be overvalued. The current stock price of €14.35 is trading 2.7% above its estimated GF Value™ of €13.97. GuruFocus considers SBI Holdings to be Fairly Valued.

Key valuation signals for FRA:ZOF:

  • 3-Year RORE %: 58.20
  • GF Value™: €13.97 vs. price of €14.35 (2.7% above fair value)
  • GF Score™: 82/100 with 7 warning signs
  • Industry Position: 1052.5% above the Diversified Financial Services median (#29 of 224)

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


SBI Holdings Business Description

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.
82GF Score

Get the complete analysis for FRA:ZOF

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€14.35
Price
€13.97
GF Value