SBI Insurance Group Co., Ltd. (7326.T)

SBI Insurance Group Co., Ltd. (7326.T) — VMCI valuation read

SBI Insurance Group Co., Ltd. sits at VMCI 54/100, with the Financial Services sector median at 50. That 4-point spread is the first thing to note on 7326.T: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.

Form 4 disclosures on 7326.T are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.

**Investor frame.** The Value read on 7326.T: 7326.T trades at 22.0x earnings, 22% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 1.9x is the rate-sensitivity line to watch, anchoring the bear scenario on a measurable balance-sheet metric.

7326.T rose 3.3% over the trailing 7 days, with a -10.5% read on a 30-day basis.