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

• Market Cap: ¥38.52B
• Dividend Yield: 1.48%
• Average Volume (3M): 33.31K
• Price to Earnings (P/E): 18.3
• Beta (1Y): 0.87
• Revenue Growth: 9.57%
• EPS Growth: 56.23%
• Country: JP
• Employees: 913
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 87.36
• Shares Outstanding: 24,820,530
• 10 Day Avg. Volume: 50,530
• 30 Day Avg. Volume: 33,310
• PEG Ratio: 0.38
• Price to Book (P/B): 0.66
• Price to Sales (P/S): 0.24
• P/FCF Ratio: 3.98
• 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. (7326) is a Japan-based company primarily engaged in the insurance industry. It operates across various sectors including life insurance, non-life insurance, and related financial services. The company provides a wide range of insurance products such as automobile, fire, and medical insurance, catering to both individual and corporate clients. It is part of the larger SBI Holdings group, which is involved in diverse financial services and investment businesses.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	120.68B	118.38B	107.19B	93.74B	87.00B	86.43B
Gross Profit	122.15B	118.38B	107.19B	93.74B	87.00B	86.43B
EBITDA	3.00B	4.07B	4.09B	3.85B	3.94B	3.29B
Net Income	9.10B	1.99B	1.45B	1.24B	891.00M	763.00M
Balance Sheet
Total Assets	218.83B	217.71B	210.26B	191.04B	192.11B	194.38B
Cash, Cash Equivalents and Short-Term Investments	0.00	34.33B	33.54B	33.11B	31.45B	32.81B
Total Debt	14.94B	17.57B	0.00	1.00M	2.00M	25.00M
Total Liabilities	174.47B	175.19B	170.27B	152.17B	149.04B	150.59B
Stockholders Equity	44.23B	42.41B	39.88B	38.76B	42.97B	43.70B
Cash Flow
Free Cash Flow	0.00	6.99B	5.88B	2.85B	2.59B	4.39B
Operating Cash Flow	0.00	7.29B	7.27B	4.89B	4.64B	5.95B
Investing Cash Flow	0.00	-5.42B	-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: 1428.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 1428 is below the 20-day moving average (MA) of 1455.30, below the 50-day MA of 1514.38, and above the 200-day MA of 1275.03, indicating a bullish trend. The MACD of -2.77 indicates Negative momentum. The RSI at 61.81 is Neutral, neither overbought nor oversold. The STOCH value of 74.43 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
7191	―	¥23.54B	14.88	―	2.33%	16.70%	22.23%
8704	―	¥27.67B	6.22	―	3.35%	20.01%	19.98%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7157	―	¥151.20B	24.06	―	―	22.42%	5.10%
7163	―	―	―	―	―	23.73%	12.39%
7196	―	¥7.40B	6.23	―	4.46%	6.40%	1079.97%
7326	―	¥38.52B	18.29	5.13%	1.48%	9.57%	56.23%