Revenue GrowthA sustained ~34% revenue uplift in FY2025 indicates improving top-line momentum and broader product or channel traction. Strong revenue growth provides scale benefits for underwriting and distribution, supports operating leverage opportunities and gives management room to invest in digital and partnerships over months.

Cash GenerationRobust operating and free cash flow, with FCF ~0.96x net income, shows earnings are largely cash-backed. Reliable cash generation improves ability to fund claims, invest in growth, and manage capital obligations, enhancing resilience to underwriting cycles and supporting strategic initiatives over the medium term.

Diversified Distribution & DigitalA business model spanning life and non-life lines plus digital and partner channels reduces concentration risk and lowers customer acquisition costs. Structural digital distribution and partnerships expand addressable markets and scalability, supporting durable premium growth and operational efficiency over months.

Bears Say

Thin ProfitabilityPersistently low margins leave limited buffer for underwriting volatility or expense inflation. With net and EBIT margins under 2%, small adverse claim experience or cost headwinds can materially compress earnings, constraining retained earnings accumulation and long-term return on capital despite revenue growth.

Rising LeverageA meaningful step-up in leverage weakens financial flexibility and increases interest and refinancing risk. Higher debt raises cash-flow-to-debt strain and reduces capacity to absorb large loss events or fund opportunistic investments, making capital management and solvency metrics more sensitive to operating swings.

Investment Income SensitivityReliance on investment returns (insurance float) makes earnings and regulatory capital sensitive to market volatility and rate shifts. Given thin underwriting margins, weaker investment performance can quickly swing net results and strain reserve or capital requirements, increasing earnings and solvency uncertainty.

EEW FAQ

What was SBI Insurance Group Co., Ltd.’s price range in the past 12 months?

SBI Insurance Group Co., Ltd. lowest stock price was €5.50 and its highest was €13.40 in the past 12 months.

What is SBI Insurance Group Co., Ltd.’s market cap?

SBI Insurance Group Co., Ltd.’s market cap is €334.51M.

When is SBI Insurance Group Co., Ltd.’s upcoming earnings report date?

SBI Insurance Group Co., Ltd.’s upcoming earnings report date is May 07, 2026 which is in 74 days.

How were SBI Insurance Group Co., Ltd.’s earnings last quarter?

SBI Insurance Group Co., Ltd. released its earnings results on Feb 12, 2026. The company reported €0.143 earnings per share for the quarter, beating the consensus estimate of N/A by €0.143.

Is SBI Insurance Group Co., Ltd. overvalued?

According to Wall Street analysts SBI Insurance Group Co., Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does SBI Insurance Group Co., Ltd. pay dividends?

SBI Insurance Group Co., Ltd. does not currently pay dividends.

What is SBI Insurance Group Co., Ltd.’s EPS estimate?

SBI Insurance Group Co., Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does SBI Insurance Group Co., Ltd. have?

SBI Insurance Group Co., Ltd. has 24,820,530 shares outstanding.

What happened to SBI Insurance Group Co., Ltd.’s price movement after its last earnings report?

SBI Insurance Group Co., Ltd. reported an EPS of €0.143 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.6%.

Which hedge fund is a major shareholder of SBI Insurance Group Co., Ltd.?

Currently, no hedge funds are holding shares in DE:EEW

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

SBI Insurance Group Co., Ltd.

SBI Insurance Group Co., Ltd. provides various insurance products in Japan. It offers property/casualty, life, and small short term insurance products. The company was incorporated in 2016 and is based in Tokyo, Japan. SBI Insurance Group Co., Ltd. operates as a subsidiary of SBI Holdings, Inc.