SBI Holdings Inc (FRA:ZOF)

A Value Investing assessment using Benjamin Graham's 17-rule framework that Warren Buffett recommends Free!

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Graham Ratings
A Defensive Graham grade requires that all ratings — except the last four — be 100% or more.
Utilities and Financials must have the last two ratings exceed 100% instead of the first three.
An Enterprising Graham grade requires minimum ratings of — N/A, 75%, 90%, 50% and 5%.
Size in Sales (100% ⇒ 500 Million): 
559.63%
Current Assets ÷ [2 x Current Liabilities]: 
259.90%
Net Current Assets ÷ Long Term Debt: 
100.00%
Earnings Stability (100% ⇒ 10 Years): 
100.00%
Dividend Record (100% ⇒ 20 Years): 
45.00%
Earnings Growth (100% ⇒ 33% Growth): 
2,335.66%
Graham Number(%): 
104.87%
NCAV or Net-Net(%): 
0.00%
[2 x Equity] ÷ Debt: 
25.16%
Size in Assets (100% ⇒ 250 Million): 
16,033.93%

Rating Score = 7.5 / 10

Graham Result
Intrinsic Value is the price corresponding to a stock's Graham Grade: Defensive, Enterprising or NCAV.
Intrinsic Value(%) is Intrinsic Value ÷ Previous Close, expressed as a percentage.
Currency: 
EUR
Defensive Price (Graham Number): 
21.49
Enterprising Price (Serenity Number): 
12.87
NCAV Price (Net Current Asset Value / Net-Net): 
0.00
Graham Grade: 
Enterprising
Intrinsic Value: 
12.87
Intrinsic Value(%): 
62.79%

FRA:ZOF clears Graham's qualitative criteria for the Enterprising investment grade. Therefore, its Intrinsic Value is equivalent to its Enterprising Price. However, FRA:ZOF's Intrinsic Value(%) evaluates to less than 100% — 62.79% — because its Previous Close is higher than its Intrinsic Value. But Graham also required his Intrinsic Value calculations to be tailored to current bond yields.

Earnings History
Defensive Graham investment requires 10 years of uninterrupted positive earnings.
Enterprising Graham investment requires 5 years of uninterrupted positive earnings.
NCAV Graham investment requires a positive trailing 12 months (TTM) EPS.

Earnings Per Share (EPS): Positive
EPS - TTM: Positive
EPS - 2 Years Ago: Positive
EPS - 3 Years Ago: Positive
EPS - 4 Years Ago: Positive
EPS - 5 Years Ago: Positive
EPS - 6 Years Ago: Positive
EPS - 7 Years Ago: Positive
EPS - 8 Years Ago: Positive
EPS - 9 Years Ago: Positive
EPS - 10 Years Ago: Positive
EPS - 11 Years Ago: None
EPS - 12 Years Ago: Positive

Dividend History
Defensive Graham investment requires 20 years of uninterrupted dividends.
Enterprising Graham investment requires some current dividend.
Last Fiscal Year: 
Paid
2 Years Ago: 
Paid
3 Years Ago: 
Paid
4 Years Ago: 
Paid
5 Years Ago: 
Paid
6 Years Ago: 
Paid
7 Years Ago: 
Paid
8 Years Ago: 
Paid
9 Years Ago: 
Paid
10 Years Ago: 
None
11 Years Ago: 
None
12 Years Ago: 
None
13 Years Ago: 
None
14 Years Ago: 
None
15 Years Ago: 
None
16 Years Ago: 
None
17 Years Ago: 
None
18 Years Ago: 
None
19 Years Ago: 
None
20 Years Ago: 
None
Stock Info
Stocks not necessarily classified as Utilities or Financials — such as REITs — may also need to be evaluated as such.
Graham analyses are done almost exclusively with annual data, ending in the given Fiscal Year.
Ticker Symbol: 
FRA:ZOF
Stock Exchange: 
Germany - FRA
Sector: 
Financial Services
Fiscal Year: 
2019-03
Book Value Per Share (BVPS): Positive
Tangible Book Value Per Share (TBVPS): Positive

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The data for this analysis was provided by GuruFocus.

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