Sony Financial GroupSFGYY +1.82%24 3-Year RORE % is -79.77 as of Mar. 2026. GuruFocus rates SFGYY with a GF Score™ of 24/100. The stock has 8 warning signs investors should review. Among 474 Insurance companies, Sony Financial Group ranks worse than 89.45% 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.
Sony Financial Group's 3-Year RORE % for the quarter that ended in Mar. 2026 was -79.77%.
The industry rank for Sony Financial Group's 3-Year RORE % or its related term are showing as below:
SFGYY's 3-Year RORE % is ranked worse than 89.45% of 474
companies
in the Insurance industry
Industry Median: 11.865
vs SFGYY: -79.77
Sony Financial Group (OTCPK:SFGYY) 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.
Sony Financial Group 3-Year RORE % Related Terms
Sony Financial Group 3-Year RORE % Historical Data
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The historical data trend for Sony Financial Group'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.
For the Insurance - Life subindustry, Sony Financial Group'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.
Sony Financial Group 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sony Financial Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Sony Financial Group's 3-Year RORE % 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 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.
Sony Financial Group (SFGYY) has a 3-Year RORE % of -79.77 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 Sony Financial Group and its competitors. According to the industry distribution chart, Sony Financial Group ranks #424 out of 474 companies in the Insurance industry, placing it in the top 89.5%.
Is Sony Financial Group's 3-Year RORE % too high?
Sony Financial Group's current 3-Year RORE % is -79.77. Based on the distribution chart, Sony Financial Group ranks #424 out of 474 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, Sony Financial Group ranks #424 out of 474 companies for 3-Year RORE %. This places Sony Financial Group in the lower half of its industry. The industry median 3-Year RORE % is 11.87. 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 an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.87, based on 474 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. 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 Sony Financial Group and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sony Financial Group's current 3-Year RORE % is -79.77. 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 (SFGYY) has a current 3-Year RORE % of -79.77. The current 3-Year RORE % is -79.77. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Sony Financial Group (SFGYY), the current 3-Year RORE % is -79.77 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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