SBI Insurance Group Co., Ltd. (JP:7326)
:7326
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SBI Insurance Group Co., Ltd.
(7326)
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Rating:69Neutral
Price Target:
¥2,460.00
▲(18.78% Upside)
Action:ReiteratedDate:12/30/25
The score is driven primarily by improving fundamentals (strong revenue growth and solid free cash flow) tempered by thin profitability and higher leverage versus prior years. Technicals are supportive with a strong uptrend and positive momentum, while valuation is only moderate given a mid-range P/E and a modest dividend yield.
Positive Factors
Business Diversification & Digital Distribution
Operating across life and non-life lines and using digital channels and partnerships gives durable diversification of premium streams and distribution. This reduces reliance on any single product cycle, enables cross-selling, and supports lower customer acquisition costs and scalable growth over months to years.
Negative Factors
Thin Profitability
Very low operating and net margins leave limited buffer against underwriting volatility or adverse loss experience. Small deterioration in claims, expense ratios, or investment returns can materially compress earnings, constraining retained earnings and reducing long-term ability to improve returns without structural margin expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Business Diversification & Digital Distribution
Operating across life and non-life lines and using digital channels and partnerships gives durable diversification of premium streams and distribution. This reduces reliance on any single product cycle, enables cross-selling, and supports lower customer acquisition costs and scalable growth over months to years.
Read all positive factors
SBI Insurance Group Co., Ltd. (7326) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥52.77B
Dividend Yield1.1%
Average Volume (3M)59.07K
Price to Earnings (P/E)19.4
Beta (1Y)0.88
Revenue Growth13.99%
EPS Growth85.66%
CountryJP
Employees913
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)26.11
Shares Outstanding24,820,530
10 Day Avg. Volume87,530
30 Day Avg. Volume59,070
Financial Highlights & Ratios
PEG Ratio0.38
Price to Book (P/B)0.66
Price to Sales (P/S)0.24
P/FCF Ratio3.98
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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...
How the Company Makes Money
The company makes money primarily through the earnings of its consolidated insurance subsidiaries and related service operations. Key revenue and profit drivers include: (1) Insurance underwriting results: subsidiaries collect premiums for life an...
SBI Insurance Group Co., Ltd. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
62
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 120.80B | 116.88B | 107.14B | 93.74B | 87.00B | 86.44B |
| Gross Profit | 122.15B | 121.06B | 111.16B | 97.63B | 90.10B | 89.14B |
| EBITDA | 3.00B | 4.07B | 4.09B | 3.85B | 3.94B | 3.29B |
| Net Income | 12.80B | 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
Positive
2071.00
Price Trends
2185.34
Negative
2065.33
Positive
1747.45
Positive
Market Momentum
-31.51
Negative
52.00
Neutral
73.33
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 2071 is below the 20-day moving average (MA) of 2078.19, below the 50-day MA of 2185.34, and above the 200-day MA of 1747.45, indicating a neutral trend. The MACD of -31.51 indicates Negative momentum. The RSI at 52.00 is Neutral, neither overbought nor oversold. The STOCH value of 73.33 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥115.56B | -6,185.63 | ― | 0.82% | 11.18% | -16.50% | |
71 Outperform | ¥35.82B | 7.00 | 4.94% | 4.00% | 10.72% | 293.23% | |
69 Neutral | ¥52.77B | 19.36 | 6.16% | 1.10% | 13.99% | 85.66% | |
69 Neutral | ¥444.40B | 16.35 | 14.42% | 4.80% | 10.39% | 12.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥175.54B | 22.15 | ― | ― | 20.22% | 19.40% | |
66 Neutral | ¥6.95B | 11.55 | ― | 0.72% | 16.04% | 86.97% |
* Financial Sector Average
JP:7326
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.