Bank Ofga (FSE:8395) Selling, General, & Admin. Expense: 円21,223 Mil (TTM As of Mar. 2026)

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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.
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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.

FSE:8395 Bank Of Saga Ltd FSE:8395
56 GF Score
Price 円5,110.00
GF Value 円2,583.75
! 4 Warning Signs
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What is Bank Ofga Selling, General, & Admin. Expense?

Bank Ofga FSE:8395 56 Selling, General, & Admin. Expense is 円21,223 Mil as of Mar. 2026. GuruFocus rates FSE:8395 with a GF Score™ of 56/100 and a GF Value™ of 円2,583.75. The stock has 4 warning signs investors should review.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Bank Ofga's selling, general, & admin. expense for the three months ended in Mar. 2026 was 円5,488 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was 円21,223 Mil.


Bank Ofga  (FSE:8395) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


Bank Ofga Selling, General, & Admin. Expense Related Terms


Bank Ofga Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for Bank Ofga's Selling, General, & Admin. Expense 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.

Bank Ofga Selling, General, & Admin. Expense Chart

Bank Ofga Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20,460.00 19,903.00 20,394.00 20,120.00 21,223.00

Bank Ofga Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Selling, General, & Admin. Expense 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 5,016.00 2,961.00 7,344.00 5,430.00 5,488.00

Bank Ofga Selling, General, & Admin. Expense Competitor Comparison

For the Banks - Regional subindustry, Bank Ofga's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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.


Bank Ofga Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, Bank Ofga's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where Bank Ofga's Selling, General, & Admin. Expense falls into.


FSE:8395
56GF Score
Bank Of Saga Ltd FSE:8395
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Ofga Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was 円21,223 Mil.

* 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 Selling, General, & Admin. Expense of 円21,223 Mil mean?
Bank Ofga (FSE:8395) has a Selling, General, & Admin. Expense of 円21,223 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Bank Ofga and its competitors.
Is Bank Ofga's Selling, General, & Admin. Expense too high?
Bank Ofga's current Selling, General, & Admin. Expense is 円21,223 Mil. Overall, Bank Ofga has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Bank Ofga's Selling, General, & Admin. Expense compare to competitors?
Bank Ofga's Selling, General, & Admin. Expense of 円21,223 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Bank Ofga and its competitors. Bank Ofga's current Selling, General, & Admin. Expense is 円21,223 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Ofga stock overvalued right now?
Bank Ofga (FSE:8395) has a current Selling, General, & Admin. Expense of 円21,223 Mil. The stock's GF Value™ is 円2,583.75, compared to a current price of 円5,110.00 — trading 97.8% above its estimated fair value. The current Selling, General, & Admin. Expense is 円21,223 Mil. Bank Ofga's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Bank Ofga (FSE:8395), the current Selling, General, & Admin. Expense is 円21,223 Mil 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 Bank Ofga (FSE:8395) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Ofga stock appears to be overvalued. The current stock price of 円5,110.00 is trading 97.8% above its estimated GF Value™ of 円2,583.75.

Key valuation signals for FSE:8395:

  • Selling, General, & Admin. Expense: 円21,223 Mil
  • GF Value™: 円2,583.75 vs. price of 円5,110.00 (97.8% above fair value)
  • GF Score™: 56/100 with 4 warning signs

No single metric tells the full story. See the FSE:8395 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank Ofga Business Description

Other Exchanges 8395:Japan
Address 7-20 Tojin 2-Chome, Saga, JPN, 840-0813
Bank Of Saga Ltd provides banking and other financial services in Japan. The bank offers deposits account such as current, ordinary, settlement, savings, time deposits, and other deposits. It also provides loans, private placements bonds, venture company support, government bonds, municipal and corporate bonds, stocks and other securities. In addition, the bank also renders services including corporate internet banking service, foreign exchange services, telephone, and direct payment service of treasury funds and many more.
56GF Score

Get the complete analysis for FSE:8395

Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円5,110.00
Price
円2,583.75
GF Value