Financial Services

Sector Overview

The Financial Services sector plays a crucial role in the overall economy by facilitating capital flow, managing risk, and providing a variety of financial products that are essential for both individual consumers and businesses. This sector includes institutions involved in banking, investing, insurance, and various financial transactions which serve to enhance economic stability and growth. Key players such as asset management firms and investment funds help to allocate capital efficiently across various industries, while banks offer services that allow individuals and corporations to manage their funds and obtain credit.

Key drivers in the Financial Services sector include interest rates, regulatory changes, consumer confidence, and technological advancements. Interest rates, set by central banks, influence borrowing costs and savings returns, thereby impacting financial activities. Regulatory changes can either promote stability or create challenges for businesses within the sector, while advancements in technology, including fintech innovations, are transforming how services are delivered and experienced by consumers. Additionally, trends such as increasing digital banking adoption, investment in sustainable and responsible financial products, and the rise of alternative lending are reshaping the landscape of financial services.

The significance of the Financial Services sector can't be overstated, as it not only supports the functioning of the economy through efficient capital allocation but also offers a wide array of financial products that cater to diverse customer needs. This sector is essential for economic growth, enabling investments in infrastructure, business expansion, and personal financial planning. The ongoing evolution within this industry, driven by technology and changing consumer behaviors, highlights the sector's adaptability and its pivotal role in fostering both individual prosperity and broader economic development.

Key Metrics

*Weighted by Market Cap Last updated: Oct 25, 2026
Avg P/E Ratio 18.8
Profitable Companies 96%
Avg Growth 29.5%
Avg Dividend Yield 1.43%

Historical Return

Last updated: Oct 15, 2026
1 Year -0.1% +1.4% Div
3 Years Ø +1.7% +1.4% Div
5 Years Ø +0.7% +1.4% Div
1 Year +9.0% +1.4% Div
3 Years Ø +1.9% +1.4% Div
5 Years Ø +42.6% +1.4% Div

Risk & Analysis Metrics

Last updated: Oct 25, 2026

Volatility

13.56% 1 Year
13.16% 3 Years
14.45% 5 Years
22.92% 10 Years

Max Drawdown

-14.04% 1 Year
-18.21% 3 Years
-39.85% 5 Years
-42.59% 10 Years

Sharpe Ratio

0.13 1 Year
0.71 3 Years
-0.14 5 Years
0.04 10 Years

Volatility

248.14% 1 Year
14.76% 3 Years
22.09% 5 Years
207.31% 10 Years

Max Drawdown

-14.25% 1 Year
-16.35% 3 Years
-34.64% 5 Years
-61.11% 10 Years

Sharpe Ratio

0.91 1 Year
1.12 3 Years
0.39 5 Years
0.88 10 Years

Return Triangle (Heatmap)

Last updated: Oct 15, 2026
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
2014 2.5% -1.7% 0.8% 3.4% 0.3% 2.8% 2.8% 3.8% 1.6% 2.9% 3.5% 4.5%
2015 -5.8% 0.0% 3.7% -0.3% 2.8% 2.8% 3.9% 1.5% 2.9% 3.6% 4.7%
2016 6.1% 8.8% 1.6% 5.1% 4.6% 5.7% 2.6% 4.0% 4.7% 5.8%
2017 11.6% -0.6% 4.7% 4.3% 5.6% 2.1% 3.7% 4.5% 5.8%
2018 -11.4% 1.5% 1.9% 4.1% 0.2% 2.5% 3.6% 5.1%
2019 16.3% 9.3% 9.9% 3.4% 5.5% 6.3% 7.7%
2020 2.8% 6.8% -0.6% 3.0% 4.4% 6.3%
2021 10.9% -2.2% 3.1% 4.8% 7.0%
2022 -13.8% -0.6% 2.9% 6.0%
2023 14.5% 12.4% 13.6%
2024 10.3% 13.2%
2025 16.1%
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
2014 - - - - - - - - - - - -
2015 - - - - - - - - - - -
2016 - - - - - - - - - -
2017 - - - - - - - - -
2018 - - - - - - - -
2019 - - - - - - -
2020 - - - - - -
2021 - - - - -
2022 - - - -
2023 16.3% 14.7% 19.1%
2024 13.2% 20.6%
2025 28.5%

Distributions

Last updated: Oct 15, 2026

Profit Margin Distribution

< 0%
4%
1y 3y 2% 0%
0 - 5%
12%
1y 3y 2% 0%
5 - 10%
25%
1y 3y 0% 1%
10 - 15%
13%
1y 3y 84% 8%
15 - 20%
20%
1y 3y 8% 27%
20 - 30%
21%
1y 3y 4% 64%
30 - 40%
1%
1y 3y 1% 0%
> 40%
5%
1y 3y 0% 0%
< 0%
20%
1y 3y 58% 40%
0 - 5%
8%
1y 3y 8% 16%
5 - 10%
10%
1y 3y 12% 20%
10 - 15%
9%
1y 3y 4% 4%
15 - 20%
9%
1y 3y 8% 8%
20 - 30%
13%
1y 3y 8% 8%
30 - 40%
6%
1y 3y 4% 0%
> 40%
25%
1y 3y 0% 4%

P/E Ratio Distribution

< 0
4%
1y 3y 44% 1%
0 - 10
36%
1y 3y 0% 1%
10 - 15
16%
1y 3y 56% 99%
15 - 20
16%
1y 3y 0% 0%
20 - 25
2%
1y 3y 0% 0%
25 - 35
4%
1y 3y 0% 0%
35 - 50
8%
1y 3y 0% 0%
> 50
14%
1y 3y 0% 0%
< 0
26%
1y 3y 50% 6%
0 - 10
31%
1y 3y 0% 83%
10 - 15
16%
1y 3y 50% 11%
15 - 20
8%
1y 3y 0% 0%
20 - 25
4%
1y 3y 0% 0%
25 - 35
4%
1y 3y 0% 0%
35 - 50
4%
1y 3y 0% 0%
> 50
8%
1y 3y 0% 0%

Discounted Cash Flow

Weighted Average Undervaluation
N/A
Undervalued
> 60%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
15 - 30%
0%
1y 3y N/A N/A
Fair (&plusmn;15%)
0%
1y 3y N/A N/A
Overvalued
15 - 30%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
> 60%
0%
1y 3y N/A N/A
Equal Weight Average Undervaluation
N/A
Undervalued
> 60%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
15 - 30%
0%
1y 3y N/A N/A
Fair (&plusmn;15%)
0%
1y 3y N/A N/A
Overvalued
15 - 30%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
> 60%
0%
1y 3y N/A N/A

Portfolio Concentration

*by Market Cap Last updated: Oct 15, 2026
24.1% Top 5 Holdings
37.0% Top 10 Holdings
69.6% Top 50 Holdings
81.8% Top 100 Holdings
Top 5 Companies
1557.T SPDR S&P 500 ETF Trust
6.0%
SMMA.JK PT Sinar Mas Multiartha Tbk
6.0%
CASA.JK PT Capital Financial Indonesia Tbk
4.7%
CIBEST.CL Grupo Cibest S.A.
3.9%
PFCIBEST.CL Grupo Cibest S.A.
3.4%

Market Cap Size Distribution

Micro Cap
0.0%
1y 3y 1.4% 0.4%
Small Cap
0.1%
1y 3y 2.8% 1.1%
Mid Cap
0.3%
1y 3y 13.1% 3.2%
Large Cap
2.7%
1y 3y 82.8% 34.1%
Mega Cap
96.8%
1y 3y 0.0% 61.3%
Micro: < $300M Small: $300Mā€“$2B Mid: $2Bā€“$10B Large: $10Bā€“$200B Mega: > $200B
Micro Cap
48.8%
1y 3y 75.0% 77.3%
Small Cap
23.8%
1y 3y 11.1% 12.1%
Mid Cap
12.4%
1y 3y 9.7% 4.5%
Large Cap
10.7%
1y 3y 4.2% 4.5%
Mega Cap
4.3%
1y 3y 0.0% 1.5%
Micro: < $300M Small: $300Mā€“$2B Mid: $2Bā€“$10B Large: $10Bā€“$200B Mega: > $200B

Latest News

View all news →
4 days ago • Zacks Investment Research

Enterprise Financial Services (EFSC) Q3 Earnings and Revenues Lag Estimates

Enterprise Financial Services (EFSC) came out with quarterly earnings of $1.17 per share, missing the Zacks Consensus Estimate of $1.38 per share. ...
4 days ago • Business Wire

Enterprise Financial Services Corp Reports Third Quarter 2026 Results

ST. LOUIS--(BUSINESS WIRE)--Enterprise Financial Services Corp (Nasdaq: EFSC) (the ā€œCompanyā€ or ā€œEFSCā€) today announced financial results for the t...
4 days ago • Seeking Alpha

Orrstown Financial Services, Inc. (ORRF) Q3 2026 Earnings Call Transcript

Orrstown Financial Services, Inc. ( ORRF ) Q3 2026 Earnings Call October 21, 2026 9:00 AM EDT Company Participants Adam Metz - President, CEO & Dir...

Industries

23 total

Average metrics of all companies in sector Last updated: Oct 25, 2026

Compare to
Market
Market Cap The average market value of companies in this sector. $3.93T
Dividend Yield Yearly payout to shareholders per share. The percentage indicates the payout in relation to the share price. 1.43 %
Beta Indicates the relationship between the price performance of a share and the market. 0.46
P/E Ratio Ratio between share price and earnings per share. A low ratio could indicate that the stock is undervalued or investors aren't expecting high growth. A high ratio could indicate that the stock is overvalued or investors are expecting high growth. 18.78
Negative P/E Ratio A negative P/E ratio shows that the company is not profitable, and it shows how many years it would take the company to lose its entire market capitalisation if it did not change anything. -58.21
Profitable Companies 96%
PEG The ratio between the P/E ratio and the growth rate of the company's earnings per share in the last twelve months. A lower PEG could mean that a stock is undervalued. 12.75
Price to Sales Ratio Market cap divided by the revenue in the most recent year. 5.27
Price to Book Ratio Price to Book Ratio is the Market cap divided by the Book value of the company. 2.31
Compare to
Market
Enterprise Value to EBIT Enterprise Value divided by EBIT. 19.18
Enterprise Value to Revenue Enterprise value divided by revenue. 7.34
Total Debt to Enterprise Value Total debt divided by enterprise value. 0.46
Debt to Equity A higher ratio indicates a higher risk. However, the ratio is difficult to compare between industries where common amounts of debt vary. 1.36
Profit Margin Net income divided by revenue of the last 4 quarters. It indicates the company's profitability. 14.16%
Quarterly Earnings Growth (YoY) The rate at which the company's net income has increased to the same quarter one year ago. +29.5%
Return on Equity Equity divided by market cap. 9.17%
Return on Assets Indicates a company's profitability in relation to its total assets. 1.74%
Return on Invested Capital Return on invested capital (ROIC) is net income after dividends divided by the sum of debt and equity. It shows how effective a company is at turning capital invested by shareholders and other debtholders into profits. 2.98%

Stock Screener

Select filters to narrow down the 9650 companies below

9650 companies
$0B >$1T

Ratio between share price and earnings per share. A low ratio could indicate undervaluation.

<0 >50

Ratio of dividends in the last 12 months to current share price.

0% 3%

Revenue increase compared to the same quarter one year ago.

0% 30%

Net income increase compared to the same quarter one year ago.

0% 30%

Profitability of the last quarter.

<-30% >30%

A higher ratio indicates a higher risk. The ratio is difficult to compare between industries.

<0 >3

Discounted cash flow valuation vs. current price. Positive = undervalued, negative = overvalued.

<-50% >+100%
Market Cap
Dividends Ratio of dividends in the last 12 months to current share price
P/E Ratio
Revenue Revenue of the last quarter YoY Change
Net income Net income of the last quarter YoY Change
Profit margin Profit margin of the last quarter

PT Sinar Mas Multiartha Tbk

SMMA.JK

PT Sinar Mas Multiartha Tbk

SMMA.JK
Market Cap $128.31T
Dividends 0.0%
P/E Ratio 42.3
Revenue $11.2T
Net Income $1.75T
Profit Margin +15.7%
Employees 9.25K
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PT Capital Financial Indonesia Tbk

CASA.JK

PT Capital Financial Indonesia Tbk

CASA.JK
Market Cap $99.15T
Dividends 0.0%
P/E Ratio 671.6
Revenue $662B
Net Income $21.2B
Profit Margin +3.2%
Employees 996
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Grupo Cibest S.A.

CIBEST.CL

Grupo Cibest S.A.

CIBEST.CL
Market Cap $84.91T
Dividends 5.2%
P/E Ratio 13.3
Revenue $11.8T
Net Income $2.73T
Profit Margin +23.2%
Employees 31.57K
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Grupo Cibest S.A.

PFCIBEST.CL

Grupo Cibest S.A.

PFCIBEST.CL
Market Cap $71.54T
Dividends 6.2%
P/E Ratio 17.6
Revenue $11.8T
Net Income $2.73T
Profit Margin +23.2%
Employees 33.95K
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PT Bank Permata Tbk

BNLI.JK

PT Bank Permata Tbk

BNLI.JK
Market Cap $62.41T
Dividends 2.0%
P/E Ratio 17.1
Revenue $4.67T
Net Income $799B
Profit Margin +17.1%
Employees 6.3K
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PT Bank Danamon Indonesia Tbk

BDMN.JK

PT Bank Danamon Indonesia Tbk

BDMN.JK
Market Cap $49.11T
Dividends 2.8%
P/E Ratio 10.4
Revenue $9.35T
Net Income $1.26T
Profit Margin +13.4%
Employees 23.93K
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PT Bank Syariah Indonesia Tbk

BRIS.JK

PT Bank Syariah Indonesia Tbk

BRIS.JK
Market Cap $47.05T
Dividends 3.2%
P/E Ratio 5.9
Revenue $8.73T
Net Income $1.96T
Profit Margin +22.4%
Employees 16.22K
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PT Bank Mega Tbk

MEGA.JK

PT Bank Mega Tbk

MEGA.JK
Market Cap $45.91T
Dividends 4.4%
P/E Ratio 9.9
Revenue $2.86T
Net Income $626B
Profit Margin +21.9%
Employees 3.78K
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Samsung Life Insurance Co., Ltd.

032830.KS

Samsung Life Insurance Co., Ltd.

032830.KS
Market Cap $44T
Dividends 2.2%
P/E Ratio 16.4
Revenue $7.6T
Net Income $690B
Profit Margin +9.1%
Employees 5.12K
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PT Bank CIMB Niaga Tbk

BNGA.JK

PT Bank CIMB Niaga Tbk

BNGA.JK
Market Cap $41.47T
Dividends 9.8%
P/E Ratio 6.0
Revenue $10.4T
Net Income $1.67T
Profit Margin +16.0%
Employees 10.39K
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Hana Financial Group Inc.

086790.KS

Hana Financial Group Inc.

086790.KS
Market Cap $31.06T
Dividends 3.9%
P/E Ratio 7.7
Revenue $8.25T
Net Income $1.19T
Profit Margin +14.5%
Employees 22.18K
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PT Bank of India Indonesia Tbk

BSWD.JK

PT Bank of India Indonesia Tbk

BSWD.JK
Market Cap $29.79T
Dividends 0.0%
P/E Ratio 427.2
Revenue $109B
Net Income $28.7B
Profit Margin +26.4%
Employees 215
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PT Bank OCBC NISP Tbk

NISP.JK

PT Bank OCBC NISP Tbk

NISP.JK
Market Cap $28.11T
Dividends 3.7%
P/E Ratio 5.4
Revenue $5.28T
Net Income $1.37T
Profit Margin +26.0%
Employees 6.26K
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PT Bank BTPN Tbk

BTPNF

PT Bank BTPN Tbk

BTPNF
Market Cap $25.44T
Dividends 0.4%
P/E Ratio 58.6
Revenue $6.14T
Net Income $948B
Profit Margin +15.4%
Employees 29.75K
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PT Bank SMBC Indonesia Tbk

BTPN.JK

PT Bank SMBC Indonesia Tbk

BTPN.JK
Market Cap $25.44T
Dividends 0.4%
P/E Ratio 58.6
Revenue $6.14T
Net Income $948B
Profit Margin +15.4%
Employees 29.75K
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Samsung Fire & Marine Insurance Co., Ltd.

000810.KS

Samsung Fire & Marine Insurance Co., Ltd.

000810.KS
Market Cap $23.98T
Dividends 3.2%
P/E Ratio 13.3
Revenue $6.46T
Net Income $739B
Profit Margin +11.4%
Employees 5.54K
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Samsung Fire & Marine Insurance Co., Ltd.

000815.KS

Samsung Fire & Marine Insurance Co., Ltd.

000815.KS
Market Cap $23.98T
Dividends 3.2%
P/E Ratio 13.3
Revenue $6.46T
Net Income $739B
Profit Margin +11.4%
Employees 5.54K
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PT Bank Ina Perdana Tbk

BINA.JK

PT Bank Ina Perdana Tbk

BINA.JK
Market Cap $23.86T
Dividends 0.0%
P/E Ratio -72.6
Revenue $520B
Net Income $12B
Profit Margin +2.3%
Employees 633
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PT Saratoga Investama Sedaya Tbk

SRTG.JK

PT Saratoga Investama Sedaya Tbk

SRTG.JK
Market Cap $23.71T
Dividends 5.9%
P/E Ratio 7.1
Revenue $1.07T
Net Income -$9.2T
Profit Margin -858.5%
Employees 68
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PT MSIG Life Insurance Indonesia Tbk

LIFE.JK

PT MSIG Life Insurance Indonesia Tbk

LIFE.JK
Market Cap $22.79T
Dividends 0.9%
P/E Ratio 81.7
Revenue $568B
Net Income $106B
Profit Margin +18.7%
Employees 472
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