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SBI HoldingsFRA:ZOF -2.17%76 Shiller PE Ratio is 12.00 as of Sep. 03, 2026, which is 9% below its 10-year median of 13.16. GuruFocus rates FRA:ZOF with a GF Score™ of 76/100 and a GF Value™ of €15.40 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 51 Diversified Financial Services companies, SBI Holdings ranks better than 56.86% on this metric.
As of today (2026-09-03), SBI Holdings's current share price is €17.16. SBI Holdings's E10 for the quarter that ended in Jun. 2026 was €1.43. SBI Holdings's Shiller PE Ratio for today is 12.00.
The historical rank and industry rank for SBI Holdings's Shiller PE Ratio or its related term are showing as below:
FRA:ZOF'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.65 Med: 13.16 Max: 29.54
Current: 13.18
During the past years, SBI Holdings's highest Shiller PE Ratio was 29.54. The lowest was 8.65. And the median was 13.16.
FRA:ZOF's Shiller PE Ratio is ranked better than 56.86% of 51
companies
in the Diversified Financial Services industry
Industry Median: 15.96
vs FRA:ZOF: 13.18
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
SBI Holdings's adjusted earnings per share data for the three months ended in Jun. 2026 was €1.157. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is €1.43 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
SBI Holdings (FRA:ZOF) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
SBI Holdings Shiller PE Ratio Related Terms
SBI Holdings Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for SBI Holdings's Shiller PE Ratio 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.
FRA:ZOF vs FRHC, VOYA: Shiller PE Ratio Comparison
For the Financial Conglomerates subindustry, SBI Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where SBI Holdings's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
SBI Holdings's Shiller PE Ratio for today is calculated as
* 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's E10 for the quarter that ended in Jun. 2026 is calculated as:
For example, SBI Holdings's adjusted earnings per share data for the three months ended in Jun. 2026 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
SBI Holdings (FRA:ZOF) has a Shiller PE Ratio of 12.00 as of Sep. 03, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on SBI Holdings and its competitors. This is near median its historical median of 13.16. Over the past decade, SBI Holdings' Shiller PE Ratio has ranged from 8.65 to 29.54. According to the industry distribution chart, SBI Holdings ranks #22 out of 51 companies in the Diversified Financial Services industry, placing it in the top 43.1%.
Is SBI Holdings' Shiller PE Ratio too high?
SBI Holdings' current Shiller PE Ratio of 12.00 is near median its 10-year median of 13.16. Over the past 10 years, this metric has ranged from a low of 8.65 to a high of 29.54. The Diversified Financial Services industry median Shiller PE Ratio is 15.96. SBI Holdings' value of 12.00 is 24.8% below this industry median. Based on the distribution chart, SBI Holdings ranks #22 out of 51 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, SBI Holdings has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' Shiller PE Ratio compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #22 out of 51 companies for Shiller PE Ratio. This puts SBI Holdings in the upper half of its industry. The industry median Shiller PE Ratio is 15.96. SBI Holdings' value of 12.00 is 24.8% below this benchmark. Historically, SBI Holdings' own Shiller PE Ratio has ranged from 8.65 to 29.54 over the past decade. While the company's 10-year median is 13.16 vs. the industry median of 15.96, SBI Holdings has consistently been below 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 Shiller PE Ratio for a Diversified Financial Services company?
The median Shiller PE Ratio among Diversified Financial Services companies is 15.96, based on 51 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SBI Holdings's current Shiller PE Ratio of 12.00 is 24.8% below 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on SBI Holdings and its competitors. For the Diversified Financial Services industry, the median Shiller PE Ratio is 15.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current Shiller PE Ratio is 12.00, which is near median its own 10-year median of 13.16. 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 Modestly Overvalued. The stock's GF Value™ is €15.40, compared to a current price of €17.16 — trading 11.4% above its estimated fair value. The current Shiller PE Ratio is 12.00, which is near median its 10-year median of 13.16 and 24.8% below the Diversified Financial Services industry median of 15.96. SBI Holdings' overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For SBI Holdings (FRA:ZOF), the current Shiller PE Ratio is 12.00 as of Sep. 03, 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 €17.16 is trading 11.4% above its estimated GF Value™ of €15.40.
GuruFocus considers SBI Holdings to be Modestly Overvalued.
Key valuation signals for FRA:ZOF:
Shiller PE Ratio: 12.00 (near median its 10-year median of 13.16)
GF Value™: €15.40 vs. price of €17.16 (11.4% above fair value)
Industry Position: 24.8% below the Diversified Financial Services median (#22 of 51)
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 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.
76GF Score
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Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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