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SBI Insurance Group Co., Ltd.
(7326)
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Rating:67Neutral
Price Target:
¥2,262.00
▲(7.15% Upside)
Action:Downgraded
Date:08/17/26
The score is primarily supported by solid financial performance—especially strong free-cash-flow generation and a generally conservative balance sheet—partly offset by thin profitability and some volatility. Technical indicators are neutral-to-soft with price below key moving averages and a slightly negative MACD. Valuation is reasonable (P/E ~16.7) with a moderate dividend yield (~2.23%).
Positive Factors
Sustained Revenue Growth
The multi-year revenue uptrend indicates expanding insurance scale and customer reach. Continued growth can improve operating leverage, strengthen the group’s competitive position, and provide a broader premium base for future earnings.
Negative Factors
Persistently Thin Net Margins
Thin profitability limits the amount of revenue converted into retained earnings and capital. It may reduce the group’s ability to absorb adverse claims or investment outcomes, while leaving less room for margin improvement if operating costs rise.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
The multi-year revenue uptrend indicates expanding insurance scale and customer reach. Continued growth can improve operating leverage, strengthen the group’s competitive position, and provide a broader premium base for future earnings.
Read all positive factors
SBI Insurance Group Co., Ltd. (7326) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥52.40B
Dividend Yield2.2%
Average Volume (3M)59.07K
Price to Earnings (P/E)17.0
Beta (1Y)0.71
Revenue Growth21.02%
EPS Growth46.82%
CountryJP
Employees1,030
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)124.57
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
Operating within Japan, SBI Insurance Group Co., Ltd. delivers a diverse range of insurance services. These encompass general insurance (covering property and casualty), life assurance policies, and compact short-duration plans. Established in 201...
How the Company Makes Money
SBI Insurance Group makes money primarily through the insurance operations of its consolidated subsidiaries and the holding-company management of those businesses. The core revenue model is typical of insurers: (1) underwriting income from insuran...
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 | 129.35B | 122.02B | 116.88B | 107.14B | 93.74B | 87.00B |
| Gross Profit | 61.33B | 56.66B | 121.06B | 111.16B | 97.63B | 90.10B |
| EBITDA | 4.83B | 6.36B | 4.07B | 4.09B | 3.85B | 3.94B |
| Net Income | 3.09B | 2.88B | 1.99B | 1.45B | 1.24B | 891.00M |
Balance Sheet | ||||||
| Total Assets | 239.57B | 236.33B | 217.71B | 210.26B | 191.04B | 192.11B |
| Cash, Cash Equivalents and Short-Term Investments | 34.91B | 33.82B | 34.33B | 33.54B | 33.11B | 31.45B |
| Total Debt | 0.00 | 0.00 | 17.57B | 0.00 | 1.00M | 2.00M |
| Total Liabilities | 189.18B | 188.24B | 175.19B | 170.27B | 152.17B | 149.04B |
| Stockholders Equity | 50.25B | 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
2111.00
Price Trends
2097.20
Positive
2133.03
Negative
2082.53
Positive
Market Momentum
-1.02
Negative
51.69
Neutral
71.91
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 2111 is above the 20-day moving average (MA) of 2100.80, above the 50-day MA of 2097.20, and above the 200-day MA of 2082.53, indicating a bullish trend. The MACD of -1.02 indicates Negative momentum. The RSI at 51.69 is Neutral, neither overbought nor oversold. The STOCH value of 71.91 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | ¥442.89B | 12.90 | 13.93% | 4.80% | 2.32% | 3.67% | |
73 Outperform | ¥6.86B | 9.25 | ― | 0.72% | 14.97% | 72.48% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥52.40B | 16.96 | 14.36% | 2.20% | 21.02% | 46.82% | |
67 Neutral | ¥49.63B | 11.09 | 4.89% | 4.00% | 11.61% | 62.61% | |
65 Neutral | ¥120.96B | 15.79 | ― | ― | 12.32% | 19.35% | |
60 Neutral | ¥84.40B | 20.45 | ― | 0.82% | 11.00% | 48.24% |
* 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.