Top-line AccelerationA sustained ~34% revenue jump in FY2025 signals improving market traction and product distribution. Over 2-6 months this durable top-line momentum can expand the premium base, increase insurance float for investment income, and improve scale economics that support longer-run underwriting and distribution investments.

Solid Cash GenerationConsistent operating cash and near-parity FCF to net income indicate earnings are largely cash-backed. This durable cash generation supports reserve funding, debt service, dividend capacity, and reinvestment in digital distribution or underwriting capacity without immediate reliance on external financing.

Sizable Equity Capital BaseA meaningful equity base (~¥42.4B) provides regulatory capital cushion and underwriting capacity essential for an insurance group. The improved ROE to ~4.7% reflects better capital efficiency; this structural capital strength supports product growth and resilience to claims volatility over the medium term.

Bears Say

Thin ProfitabilityMargins under 2% leave minimal buffer against underwriting losses, reserve changes, or investment setbacks. Structurally thin profitability limits retained-earnings accumulation, constrains capital formation from operations, and increases sensitivity to adverse claim experience or inflationary expense pressures over the medium term.

Rising Financial LeverageA meaningful step-up in leverage from near-zero to ~0.41 reduces financial flexibility. Higher debt burdens amplify interest and refinancing risk, limit ability to deploy capital for underwriting or M&A, and increase vulnerability to shocks—especially given the company's historically low margin profile.

Weakened Cash-to-debt CoverageAlthough absolute cash flow is healthy, weaker cash-to-debt coverage reduces the company’s margin of safety. In a sector exposed to catastrophic losses and investment volatility, degraded coverage limits liquidity resilience and may force more conservative capital or underwriting actions in stressed scenarios.

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 75 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.