Back to Articles

73262026 Q3GrowthJGAAP

SBI Insurance Group (7326) FY2026 Q3 Earnings Report

For FY2026 Q3, ordinary income came to ¥10.6B (+43.8% year on year). The segment drivers and cash flow follow.

SBI Insurance Group Co.,Ltd.

February 12, 2026

Financials (ex Banks)/Insurance

Table of Contents

Financial Highlights

Net Income: ¥2.92B
EPS: ¥116.93

Income Statement

Item	Current	Prior	YoY %
Ordinary Income	¥10.57B	¥7.35B	+43.8%
Profit Before Tax	¥4.05B	¥2.15B	+88.6%
Income Tax Expense	¥1.14B	¥268M	+323.5%
Net Income	¥2.92B	¥1.88B	+55.2%
Net Income Attributable to Owners	¥2.90B	¥1.87B	+55.4%
Total Comprehensive Income	¥4.44B	¥2.60B	+71.1%
Basic EPS	¥116.93	¥75.28	+55.3%

Balance Sheet

Item	Current End	Prior End	Change
Property, Plant & Equipment	¥890M	¥1.00B	−¥112M
Intangible Assets	¥7.45B	¥7.18B	+¥271M
Goodwill	¥2.57B	¥2.73B	−¥152M
Total Assets	¥228.91B	¥217.71B	+¥11.20B
Total Liabilities	¥182.52B	¥175.19B	+¥7.33B
Total Equity	¥46.39B	¥42.52B	+¥3.87B
Capital Stock	¥8.38B	¥8.38B	¥0
Capital Surplus	¥32.04B	¥32.04B	¥0
Retained Earnings	¥9.87B	¥7.54B	+¥2.33B
Treasury Stock	−¥0	−¥0	¥0
Owners' Equity	¥46.26B	¥42.41B	+¥3.85B

Profitability Ratios

Item	Value
Debt-to-Equity Ratio	3.93x
Effective Tax Rate	28.0%

Year-over-Year Comparison

Item	YoY Change
Ordinary Income YoY Change	+43.8%
Profit Before Tax YoY Change	+88.6%
Net Income YoY Change	+55.2%
Net Income Attributable to Owners YoY Change	+55.3%
Total Comprehensive Income YoY Change	+71.0%

Item	Value
Shares Outstanding (incl. Treasury)	24.82M shares
Treasury Stock	142 shares
Average Shares Outstanding	24.82M shares
Book Value Per Share	¥1,869.11

Dividend Information

Item	Amount
Q2 Dividend	¥0.00

Segment Information

Segment	Revenue	Operating Income
Assurance	¥34.47B	¥34.57B
LifeInsurance	¥43.96B	¥43.97B
SmallAmountAndShortTermInsurance	¥26.44B	¥26.46B

Full Year Forecast

Item	Forecast
Ordinary Income Forecast	¥11.70B
Net Income Attributable to Owners Forecast	¥2.80B
Basic EPS Forecast	¥112.81
Dividend Per Share Forecast	¥45.00