SBI Insurance Group Co (TSE:7326) ROIC %: 0.00% (As of Mar. 2026)


TSE:7326 SBI Insurance Group Co Ltd TSE:7326
75 GF Score
Price 円2,065.00
GF Value 円1,317.62
Valuation Significantly Overvalued
! 1 Warning Sign
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What is SBI Insurance Group Co ROIC %?

SBI Insurance Group Co TSE:7326 -1.15% 75 ROIC % is 0.00% as of Mar. 2026. GuruFocus rates TSE:7326 with a GF Score™ of 75/100 and a GF Value™ of 円1,317.62 (Significantly Overvalued). The stock has 1 warning sign investors should review.

ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. SBI Insurance Group Co's annualized return on invested capital (ROIC %) for the quarter that ended in Mar. 2026 was 0.00%.

As of today (2026-07-01), SBI Insurance Group Co's WACC % is 5.17%. SBI Insurance Group Co's ROIC % is 1.58% (calculated using TTM income statement data). SBI Insurance Group Co earns returns that do not match up to its cost of capital. It will destroy value as it grows.


SBI Insurance Group Co  (TSE:7326) ROIC % Explanation

ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.

There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.

Why is ROIC % important?

Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.

As of today, SBI Insurance Group Co's WACC % is 5.17%. SBI Insurance Group Co's ROIC % is 1.58% (calculated using TTM income statement data). SBI Insurance Group Co earns returns that do not match up to its cost of capital. It will destroy value as it grows.


Be Aware

Like ROE % and ROA %, ROIC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.


SBI Insurance Group Co ROIC % Related Terms


SBI Insurance Group Co ROIC % Historical Data

* Premium members only.

The historical data trend for SBI Insurance Group Co's ROIC % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SBI Insurance Group Co ROIC % Chart

SBI Insurance Group Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROIC %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.56 0.79 0.88 1.14 1.54

SBI Insurance Group Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROIC % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 4.95 0.21 1.41 0.00

TSE:7326 vs BRK.A, AIG, HIG: ROIC % Comparison

For the Insurance - Diversified subindustry, SBI Insurance Group Co's ROIC %, along with its competitors' market caps and ROIC % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


SBI Insurance Group Co ROIC % vs Insurance Industry

For the Insurance industry and Financial Services sector, SBI Insurance Group Co's ROIC % distribution charts can be found below:

* The bar in red indicates where SBI Insurance Group Co's ROIC % falls into.


TSE:7326
75GF Score
SBI Insurance Group Co Ltd TSE:7326
ROIC % is just one metric. See GF Score™, valuation, warning signs, and more.
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SBI Insurance Group Co ROIC % Calculation

SBI Insurance Group Co's annualized Return on Invested Capital (ROIC %) for the fiscal year that ended in Mar. 2026 is calculated as:

ROIC % (A: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (A: Mar. 2025 ) + Invested Capital (A: Mar. 2026 ))/ count )
=4369 * ( 1 - 32.84% )/( (181041.15 + 200910.95)/ 2 )
=2934.2204/190976.05
=1.54 %

where

Invested Capital(A: Mar. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=217714 - 8189 - ( 34328 - 5% * 116883 )
=181041.15

Invested Capital(A: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=236330 - 8762 - ( 33583 - 5% * 138519 )
=200910.95

SBI Insurance Group Co's annualized Return on Invested Capital (ROIC %) for the quarter that ended in Mar. 2026 is calculated as:

ROIC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=1112 * ( 1 - 100% )/( (192183.35 + 195805.7)/ 2 )
=0/193994.525
=0.00 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=228910 - 8069 - ( 30558 - 5% * 38007 )
=192183.35

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=236330 - 8762 - ( 33583 - 5% * 36414 )
=195805.7

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data. The tax rate is limited to between 0% and 100%.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about ROIC % →
What does a ROIC % of 0.00% mean?
SBI Insurance Group Co (TSE:7326) has a ROIC % of 0.00% as of Mar. 2026. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on SBI Insurance Group Co and its competitors.
Is SBI Insurance Group Co's ROIC % too high?
SBI Insurance Group Co's current ROIC % is 0.00%. Overall, SBI Insurance Group Co has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SBI Insurance Group Co's ROIC % compare to BRK.A and AIG?
SBI Insurance Group Co's ROIC % of 0.00% can be compared against companies in the Insurance industry. The industry median ROIC % is 3.36. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROIC % for an Insurance company?
The median ROIC % among Insurance companies is 3.36, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a ROIC % significantly above this median, while those in the bottom quartile fall well below. However, ROIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROIC % mean?
A high ROIC % can signal that a stock is expensive relative to its fundamentals. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on SBI Insurance Group Co and its competitors. For the Insurance industry, the median ROIC % is 3.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Insurance Group Co's current ROIC % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Insurance Group Co stock overvalued right now?
Based on GuruFocus' analysis, SBI Insurance Group Co (TSE:7326) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,317.62, compared to a current price of 円2,065.00 — trading 56.7% above its estimated fair value. The current ROIC % is 0.00%. SBI Insurance Group Co's overall GF Score™ is 75/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROIC % calculated?
ROIC % is calculated from a company's financial statements. For SBI Insurance Group Co (TSE:7326), the current ROIC % is 0.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SBI Insurance Group Co (TSE:7326) Overvalued in 2026?

Based on GuruFocus' analysis, SBI Insurance Group Co stock appears to be overvalued. The current stock price of 円2,065.00 is trading 56.7% above its estimated GF Value™ of 円1,317.62. GuruFocus considers SBI Insurance Group Co to be Significantly Overvalued.

Key valuation signals for TSE:7326:

  • ROIC %: 0.00%
  • GF Value™: 円1,317.62 vs. price of 円2,065.00 (56.7% above fair value)
  • GF Score™: 75/100 with 1 warning sign

No single metric tells the full story. See the TSE:7326 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SBI Insurance Group Co Business Description

Address 1-6-1 Roppongi, Izumi Garden Tower 16th Floor, Minato-ku, Tokyo, JPN, 106-6016
SBI Insurance Group Co Ltd is a Japan-based insurance holding company. Along with its subsidiaries, the company operates its business in three divisions including non-life insurance business, life insurance business and small amount short-term insurance business.
75GF Score

Get the complete analysis for TSE:7326

ROIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円2,065.00
Price
円1,317.62
GF Value