7326.T
BuyFallen FavouriteAI neutralSBI Insurance Group Co., Ltd. · Financial Services · Japan · $328M cap · $682K/day traded
JPY 2,101 -0.5% · close 19 Oct · scored 17 Oct
Fallen Favourite: A good business, still expensive, and the price is falling.
As of 17 Oct 2026, MoatMap's StockRank for SBI Insurance Group Co., Ltd. (7326.T) is 73/100, ranked against 24,000+ stocks in 35 markets (Quality 81, Value 48, Momentum 39, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
SBI Insurance Group sells low-cost direct car insurance, cancer insurance and small-amount short-term insurance in Japan, and scores well on quality. Its structural cost edge in direct distribution is plausible, but the company is small, faces larger competitors and there is no recent news showing an inflection in growth or returns.
ABOUT SBI INSURANCE GROUP CO., LTD.
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SBI Insurance Group Co., Ltd. provides various insurance products in Japan. It operates through Non-life Insurance Business, Life Insurance Business, and Small-amount Short-term Insurance Business segments. The Non-life Insurance Business segment offers automobile, cancer, and fire insurance.
FINANCIAL SUMMARY (JPY)
| Year | 2022 | 2023 | 2024 | 2025 | 2026 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 93.7B | 107.1B | 116.9B | 138.5B | 13.9% | 147.8B |
| EPS (JPY) | 35.93 | 49.97 | 58.45 | 80.12 | 116.04 | 34.1% | 124.72 |
| Shares | — | 24.8M | 24.8M | 24.8M | 24.8M | -0.0% | 24.8M |
| Debt | — | — | — | — | — | — | — |
| Equity | — | 38.8B | 39.9B | 42.4B | 48.0B | 7.4% | — |
| Op CF | — | 4.9B | 7.3B | 7.3B | 10.4B | 28.6% | 10.2B |
| Inv CF | — | -6.4B | -9.4B | -5.4B | -7.9B | — | — |
| Fin CF | — | 0 | -250.0M | -469.0M | -548.0M | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 69% of stocks we rank over the past year (31% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 7326.T are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| 7326.T | SBI Insurance Group Co., Ltd.(you) | $328M | 73 | Buy |
| 8713.T | FIDEA Holdings Co. Ltd. | $313M | 74 | Buy |
| 9552.T | Quants Research Institute Holdings, Inc. | $350M | 72 | Buy |
| 8614.T | Toyo Securities Co., Ltd. | $322M | 77 | Buy |
| JOF | Japan Smaller Capitalization Fund, Inc. | $320M | 78 | Buy |
| 8551.T | The Kita-Nippon Bank, Ltd. | $429M | 75 | Buy |
| 8706.T | Kyokuto Securities Co., Ltd. | $375M | 65 | Hold |
| 6196.T | Strike Group Co., Ltd. | $523M | 75 | Buy |
| 4765.T | SBI Global Asset Management Co., Ltd. | $561M | 74 | Buy |
| 8708.T | Aizawa Securities Group Co., Ltd. | $344M | 61 | Hold |
Peer medians: ROE 8.3% · P/E 14.3x · Gross margin 72.5%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.