SBI Insurance Group Co., Ltd. (7326) AI Stock Analysis

• Market Cap: €30.98B
• Dividend Yield: 1.94%
• Average Volume (3M): 54.04K
• Price to Earnings (P/E): 15.6
• Beta (1Y): 0.89
• Revenue Growth: 12.75%
• EPS Growth: 0.13%
• Country: JP
• Employees: 913
• Sector: Financial
• Sector Strength: 74
• Industry: Insurance - Diversified
• EPS (TTM): 4.84
• Shares Outstanding: 24,820,530
• 10 Day Avg. Volume: 48,410
• 30 Day Avg. Volume: 54,043
• PEG Ratio: 0.47
• Price to Book (P/B): 0.59
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• Price Target: ―

SBI Insurance Group's financial strength is backed by robust revenue growth and a stable balance sheet with no debt. However, challenges such as negative EBITDA and volatile cash flows raise concerns about operational efficiency. The technical analysis indicates a bearish trend, while the valuation remains reasonable, supported by a moderate P/E ratio and attractive dividend yield.

SBI Insurance Group Co., Ltd. Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

SBI Insurance Group Co., Ltd. generates revenue through the collection of insurance premiums from policyholders. Its key revenue streams include premiums from life and non-life insurance products, such as automobile and fire insurance. Additionally, the company earns money through investment income derived from the management of reserves and funds collected from premiums. This includes returns on investments in securities, bonds, and other financial instruments. Strategic partnerships within the SBI Holdings group and collaborations with financial institutions enhance distribution channels and customer reach, further contributing to its earnings.

SBI Insurance Group Co., Ltd. Financial Statement Overview

Summary

SBI Insurance Group demonstrates strong revenue growth and a solid balance sheet with no debt, enhancing financial stability. However, the negative EBITDA and fluctuating cash flows present challenges for long-term profitability and operational efficiency.

Income Statement

The company exhibits a strong revenue growth trend, with a notable increase from the previous year. Gross profit margin is robust, reflecting efficient cost management. However, the negative EBITDA in TTM indicates challenges in operational efficiency, which is a concern for sustainability.

Balance Sheet

The balance sheet is solid with no debt, indicating a conservative capital structure. High equity ratio shows strong financial stability. Return on equity is moderate, suggesting decent profitability for shareholders.

Cash Flow

Cash flow from operations has shown fluctuations, with a recent decline to zero in TTM, which is worrisome. The free cash flow has been volatile, affecting the cash flow stability and potentially limiting future investments.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
117.20B	103.29B	107.19B	93.74B	87.00B	86.43B
	Gross Profit
107.14B	0.00	107.19B	93.74B	87.00B	86.43B
	EBIT
82.12B	2.52B	2.08B	6.61B	6.23B	3.92B
	EBITDA
-1.28B	2.10B	4.09B	3.85B	3.94B	3.29B
	Net Income Common Stockholders
11.73B	1.99B	1.45B	1.24B	891.00M	763.00M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
28.61B	0.00	33.54B	33.11B	31.45B	32.81B
	Total Assets
213.81B	217.71B	210.26B	191.04B	192.11B	194.38B
	Total Debt
0.00	0.00	0.00	1.00M	2.00M	25.00M
	Net Debt
-28.61B	-34.77B	-33.54B	-33.10B	-31.45B	-32.78B
	Total Liabilities
171.66B	175.19B	170.27B	152.17B	149.04B	150.59B
	Stockholders Equity
42.02B	42.41B	39.88B	38.76B	42.97B	43.70B
Cash Flow		Free Cash Flow
0.00	7.05B	5.88B	2.85B	2.59B	4.39B
	Operating Cash Flow
0.00	7.35B	7.27B	4.89B	4.64B	5.95B
	Investing Cash Flow
0.00	-5.48B	-9.40B	-6.42B	-5.82B	1.34B
	Financing Cash Flow
0.00	-469.00M	-250.00M	0.00	1.00M	1.00M

SBI Insurance Group Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1255.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7326, the sentiment is Positive. The current price of 1255 is above the 20-day moving average (MA) of 1227.85, above the 50-day MA of 1135.04, and above the 200-day MA of 1030.33, indicating a bullish trend. The MACD of 34.77 indicates Positive momentum. The RSI at 61.36 is Neutral, neither overbought nor oversold. The STOCH value of 22.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7326.

SBI Insurance Group Co., Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8704	84 Outperform	¥32.66B	6.72		3.62%	32.92%	39.22%
7191	72 Outperform	¥19.64B	14.44		2.87%	20.61%	15.24%
7163	70 Outperform	¥735.68B	26.16		0.41%	―	―
7196	69 Neutral	¥8.78B	9.22		3.78%	6.83%	93.39%
7326	65 Neutral	€30.98B	15.58	4.69%	1.94%	12.75%	0.13%
Sector *	64 Neutral	$12.87B	9.76	7.85%	78.04%	12.07%	-7.94%
7157	54 Neutral	¥181.76B	30.32		―	24.65%	102.08%