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

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SBI Insurance Group Co., Ltd.

(TSE/TYO:7326)

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Rating:69Neutral

Price Target:JPY 2,355.00▲(10.67% Upside)

Action:downgraded

Date:10/01/26

The score is primarily driven by solid financial performance (strong cash generation, improving scale, and generally low leverage), tempered by thin profitability. Technical signals are mixed with near-term weakness versus the 20-day average, while valuation is reasonable but not a major tailwind.

Positive Factors

Multi-year revenue growthSustained revenue expansion indicates growing scale across the insurance operations rather than reliance on a single reporting period. A larger premium and service base can improve operating leverage, broaden distribution reach, and provide a stronger foundation for earnings growth over the coming quarters.

Negative Factors

Thin net profitabilityPersistently thin net margins limit how much revenue growth translates into bottom-line earnings and leave less room to absorb adverse claims or investment results. Modest margin expansion also suggests that scale benefits have not yet produced a substantial improvement in profitability.

SBI Insurance Group Co., Ltd. (7326) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 52.37B
Dividend Yield: 2.19%
Average Volume (3M): 43.52K
Price to Earnings (P/E): 17.0
Beta (1Y): 0.71
Revenue Growth: 8.49%
EPS Growth: 22.82%
Country: Japan
Employees: 1,030
Sector: Financial
Sector Strength: 68
Industry: Insurance - Diversified

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 2016,...

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 insurance...

SBI Insurance Group Co., Ltd. Financial Statement Overview

Summary

Financials are solid overall, supported by steady multi-year revenue growth, generally low leverage, and strong operating/free cash flow (with the strongest cash performance in 2026). The main constraint is persistently thin net margins and some volatility in leverage and cash-flow trends year to year.

Income Statement

66Positive

Balance Sheet

78Positive

Cash Flow

83Very Positive

Financial statement breakdown
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	0	17.57B	0	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	10.28B	6.99B	5.88B	2.85B	2.59B
Operating Cash Flow	0	10.43B	7.29B	7.27B	4.89B	4.64B
Investing Cash Flow	0	-7.96B	-5.42B	-9.40B	-6.42B	-5.82B
Financing Cash Flow	0	-548.00M	-469.00M	-250.00M	0	1.00M

SBI Insurance Group Co., Ltd. Technical Analysis

Technical Analysis SentimentPositive

Last Price2128.00

Price Trends

50DMA2151.60Negative

100DMA2124.40Positive

200DMA2150.93Negative

Market Momentum

MACD-6.74Negative

RSI50.60Neutral

STOCH34.69Neutral

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 2128.00 is above the 20-day moving average (MA) of 2106.35, below the 50-day MA of 2151.60, and below the 200-day MA of 2150.93, indicating a neutral trend. The MACD of -6.74 indicates Negative momentum. The RSI at 50.60 is Neutral, neither overbought nor oversold. The STOCH value of 34.69 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JP:7326 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:7164	84Outperform	JPY 430.60B	12.78	13.76%	3.91%	2.50%	6.43%
JP:5843	81Outperform	JPY 6.30B	8.63	―	1.11%	14.97%	72.48%
JP:8713	70Outperform	JPY 44.95B	9.87	5.32%	2.93%	11.61%	62.61%
JP:7326	69Neutral	JPY 52.37B	16.99	6.53%	2.19%	8.49%	22.82%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:7157	62Neutral	JPY 115.98B	14.89	―	―	12.32%	19.35%
JP:8715	60Neutral	JPY 80.66B	20.85	―	0.87%	9.85%	51.32%

* Financial Sector Average

Performance Comparison

JP:7326 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7326	SBI Insurance Group Co., Ltd.	2128.00	456.77	27.33%
JP:7164	Zenkoku Hosho Co	3200.00	209.26	7.00%
JP:8713	Fidea Holdings Co.Ltd.	2559.00	913.14	55.48%
JP:5843	Nippon Insure Co. Ltd.	2249.00	-429.72	-16.04%
JP:7157	Lifenet Insurance Company	1410.00	-504.00	-26.33%
JP:8715	Anicom Holdings, Inc.	1036.00	201.40	24.13%

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.

Date of analysis: Oct 01, 2026

SBI Insurance Group Co., Ltd. AI Stock Analysis