Accelerating Revenue GrowthMaterial revenue acceleration (~34% YoY in FY2025) indicates the company is expanding premium volumes and distribution reach across lines. Sustained top-line growth can improve underwriting scale, spread fixed costs, support reserve funding, and provide a larger base for fee income and long-term profitability improvements.

Robust Cash GenerationSolid, cash-backed free cash flow (~¥7.0B; FCF ~0.96x net income) shows earnings largely convert to cash. Durable cash generation strengthens the firm’s ability to fund claims and reserves, meet regulatory capital needs, invest in digital capabilities, service debt, and sustain shareholder returns or strategic M&A without eroding liquidity.

Diversified Multi-line Franchise And Digital DistributionA multi-line insurance platform (life, non-life, related services) plus emphasis on digital channels and partnerships creates structural diversification and scalable distribution. This reduces reliance on any single product cycle, enables cross-sell, and supports cost-effective customer acquisition and long-term premium growth.

Bears Say

Structurally Thin ProfitabilityProfitability is persistently thin (net margin ~1.7%, EBIT ~1.8% in FY2025), limiting internal capital generation and the ability to absorb underwriting or market shocks. Low margins mean ROE gains require sustained margin expansion or outsized scale benefits, making earnings vulnerable to claim volatility and expense creep.

Rising Leverage From Historically Low LevelsLeverage rose meaningfully (debt-to-equity ~0.41 from near-zero), increasing financial risk and reducing strategic flexibility. Higher debt raises interest and refinancing exposure, tightens capital allocation choices, and elevates sensitivity to interest-rate moves and investment returns, constraining optionality during stress periods.

Weakened Cash-flow-to-debt CoverageA deterioration in cash-flow-to-debt coverage in FY2025 means cash available per unit of debt has fallen, weakening the balance-sheet buffer. Even with healthy absolute cash flow, reduced coverage heightens vulnerability to large claims, limits room for discretionary investment, and constrains response capacity during adverse scenarios.

7326 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 ¥893.00 and its highest was ¥2444.00 in the past 12 months.

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

SBI Insurance Group Co., Ltd.’s market cap is ¥60.31B.

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 79 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 ¥26.11 earnings per share for the quarter, beating the consensus estimate of N/A by ¥26.11.

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. pays a Annually dividend of ¥40 which represents an annual dividend yield of 1.1%. See more information on SBI Insurance Group Co., Ltd. dividends here

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 ¥26.11 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.586%.

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

Currently, no hedge funds are holding shares in JP:7326

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.