SBI Insurance Group Co., Ltd. (JP:7326)
:7326
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SBI Insurance Group Co., Ltd.
(7326)
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Rating:74Outperform
Price Target:
¥2,541.00
▲(22.69% Upside)
Action:Upgraded
Date:05/14/26
The score is driven primarily by solid financial fundamentals—especially strong free-cash-flow generation and a generally conservative balance sheet—supported by a clear uptrend in price relative to key moving averages. Offsetting factors include persistently thin profit margins and mixed near-term momentum indicators, while valuation appears reasonable rather than compelling.
Positive Factors
Free cash flow strength
Sustained and rising free cash flow through 2026 enhances durable financial flexibility: it supports reserve funding, reinsurance, organic growth, and dividend capacity without depending on capital markets. High cash conversion also signals earnings quality and funding resilience over 2–6 months.
Negative Factors
Thin profitability margins
Persistently low net margins limit the firm’s capacity to self-fund growth, build surplus, and absorb adverse underwriting or investment shocks. Thin margins make results sensitive to loss-ratio variation and compress long-term retained earnings accumulation needed for capital-intensive insurance operations.
Read all positive and negative factors
Positive Factors
Negative Factors
Free cash flow strength
Sustained and rising free cash flow through 2026 enhances durable financial flexibility: it supports reserve funding, reinsurance, organic growth, and dividend capacity without depending on capital markets. High cash conversion also signals earnings quality and funding resilience over 2–6 months.
Read all positive factors
SBI Insurance Group Co., Ltd. (7326) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥57.01B
Dividend Yield1.1%
Average Volume (3M)59.07K
Price to Earnings (P/E)8.6
Beta (1Y)0.83
Revenue Growth4.70%
EPS Growth44.87%
CountryJP
Employees913
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)366.63
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)1.02
Price to Sales (P/S)0.40
P/FCF Ratio4.74
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
SBI Insurance Group primarily makes money through its insurance subsidiaries by (1) collecting premiums from policyholders across life and non-life insurance products and recognizing them as revenue as coverage is provided, (2) earning underwritin...
SBI Insurance Group Co., Ltd. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
78
Positive
Cash Flow
83
Very Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 120.80B | 122.02B | 116.88B | 107.14B | 93.74B | 87.00B |
| Gross Profit | 122.15B | 56.66B | 121.06B | 111.16B | 97.63B | 90.10B |
| EBITDA | 3.00B | 6.36B | 4.07B | 4.09B | 3.85B | 3.94B |
| Net Income | 12.80B | 2.88B | 1.99B | 1.45B | 1.24B | 891.00M |
Balance Sheet | ||||||
| Total Assets | 218.83B | 236.33B | 217.71B | 210.26B | 191.04B | 192.11B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 33.82B | 34.33B | 33.54B | 33.11B | 31.45B |
| Total Debt | 14.94B | 0.00 | 17.57B | 0.00 | 1.00M | 2.00M |
| Total Liabilities | 174.47B | 188.24B | 175.19B | 170.27B | 152.17B | 149.04B |
| Stockholders Equity | 44.23B | 47.96B | 42.41B | 39.88B | 38.76B | 42.97B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 10.28B | 6.99B | 5.88B | 2.85B | 2.59B |
| Operating Cash Flow | 0.00 | 10.43B | 7.29B | 7.27B | 4.89B | 4.64B |
| Investing Cash Flow | 0.00 | -7.96B | -5.42B | -9.40B | -6.42B | -5.82B |
| Financing Cash Flow | 0.00 | -548.00M | -469.00M | -250.00M | 0.00 | 1.00M |
SBI Insurance Group Co., Ltd. Technical Analysis
Positive
2071.00
Price Trends
2142.58
Positive
2157.33
Positive
1889.26
Positive
Market Momentum
47.40
Negative
57.40
Neutral
57.17
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 2216.05, below the 50-day MA of 2142.58, and above the 200-day MA of 1889.26, indicating a bullish trend. The MACD of 47.40 indicates Negative momentum. The RSI at 57.40 is Neutral, neither overbought nor oversold. The STOCH value of 57.17 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥409.94B | 12.15 | 14.42% | 4.80% | 3.10% | 2.91% | |
74 Outperform | ¥57.01B | 8.62 | 6.16% | 1.10% | 4.70% | 44.87% | |
71 Outperform | ¥137.46B | 17.07 | ― | ― | 14.78% | 34.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥6.57B | 9.67 | ― | 0.72% | 16.46% | 73.89% | |
63 Neutral | ¥35.53B | 8.51 | 4.94% | 4.00% | 8.60% | 46.50% | |
55 Neutral | ¥94.29B | 40.23 | ― | 0.82% | 8.75% | -28.88% |
* 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.