SBI Insurance Group Co., Ltd. (FRA:EEW)

SBI Insurance Group Income Statement

Financials in millions JPY. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Premiums & Annuity Revenue	42,038	39,567	35,655	33,417	32,509	30,986
Total Interest & Dividend Income	813	634	961	463	369	1,499
Gain (Loss) on Sale of Investments	-102	-	-	43	17	42
Other Revenue	87,561	78,178	72,620	62,157	54,882	54,120
Total Revenue	130,310	118,379	109,236	96,080	87,777	86,647
Revenue Growth (YoY)	14.42%	8.37%	13.69%	9.46%	1.30%	23.16%
Policy Benefits	33,498	31,926	27,859	25,978	24,844	26,211
Policy Acquisition & Underwriting Costs	-4,245	-4,176	-4,018	-3,884	-3,096	-2,696
Selling, General & Administrative	11,422	11,034	10,729	10,054	9,350	8,259
Other Operating Expenses	77,539	69,978	65,642	57,325	50,452	50,956
Total Operating Expenses	118,214	108,762	100,212	89,473	81,550	82,730
Operating Income	12,096	9,617	9,024	6,607	6,227	3,917
Other Non Operating Income (Expenses)	8,273	7,232	6,112	4,295	3,337	2,047
EBT Excluding Unusual Items	20,369	16,849	15,136	10,902	9,564	5,964
Gain (Loss) on Sale of Investments	-182	-143	-788	-298	-301	-64
Gain (Loss) on Sale of Assets	-39	-41	-13	-51	-251	-1
Asset Writedown	-	-	-	-	-45	-
Other Unusual Items	-135	-132	-89	-116	-121	-108
Pretax Income	20,013	16,533	14,246	10,437	8,846	5,791
Income Tax Expense	834	65	562	595	1,271	930
Earnings From Continuing Ops.	19,179	16,468	13,684	9,842	7,575	4,861
Minority Interest in Earnings	-11	-10	-8	-6	-4	-
Net Income	19,168	16,458	13,676	9,836	7,571	4,861
Net Income to Common	19,168	16,458	13,676	9,836	7,571	4,861
Net Income Growth	31.97%	20.34%	39.04%	29.92%	55.75%	19.46%
Shares Outstanding (Basic)	25	25	25	25	25	25
Shares Outstanding (Diluted)	25	25	25	25	25	25
Shares Change (YoY)	-	-	-	-	-	6.64%
EPS (Basic)	772.27	663.08	551.00	396.29	305.03	195.85
EPS (Diluted)	772.27	663.08	551.00	396.29	305.03	195.85
EPS Growth	31.97%	20.34%	39.04%	29.92%	55.75%	12.02%
Free Cash Flow	6,604	6,994	7,066	4,529	4,440	5,815
Free Cash Flow Per Share	266.07	281.78	284.69	182.47	178.88	234.28
Dividend Per Share	23.000	23.000	15.000	10.000	-	-
Dividend Growth	53.33%	53.33%	50.00%	-	-	-
Operating Margin	9.28%	8.12%	8.26%	6.88%	7.09%	4.52%
Profit Margin	14.71%	13.90%	12.52%	10.24%	8.63%	5.61%
Free Cash Flow Margin	5.07%	5.91%	6.47%	4.71%	5.06%	6.71%
EBITDA	14,043	11,600	11,089	8,611	7,998	5,507
EBITDA Margin	10.78%	9.80%	10.15%	8.96%	9.11%	6.36%
D&A For EBITDA	1,947	1,983	2,065	2,004	1,771	1,590
EBIT	12,096	9,617	9,024	6,607	6,227	3,917
EBIT Margin	9.28%	8.12%	8.26%	6.88%	7.09%	4.52%
Effective Tax Rate	4.17%	0.39%	3.94%	5.70%	14.37%	16.06%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.