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Lifenet Insurance Company (JP:7157)
:7157
Japanese Market
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Lifenet Insurance Company (7157) AI Stock Analysis

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JP:7157

Lifenet Insurance Company

(7157)

Rating:66Neutral
Price Target:
¥2,545.00
▲(12.61% Upside)
Lifenet Insurance Company's strong financial performance is the most significant factor, supported by robust revenue growth, profitability, and cash flow generation. Technical analysis presents mixed signals with potential for short-term rebound. Valuation is a concern due to a high P/E ratio and lack of dividend yield, which may deter value and income investors.

Lifenet Insurance Company (7157) vs. iShares MSCI Japan ETF (EWJ)

Lifenet Insurance Company Business Overview & Revenue Model

Company DescriptionLifenet Insurance Company provides life insurance products and services in Japan. The company offers term death, whole life medical, cancer, incapacity, and disability insurance products. It sells its products and services directly to customers through Internet. The company also offers insurance underwriting and asset management services, as well as business agency. The company was formerly known as Net Life Planning Co., Ltd. and changed its name to Lifenet Insurance Company in April 2008. Lifenet Insurance Company was founded in 2006 and is based in Tokyo, Japan.
How the Company Makes MoneyLifenet Insurance Company generates revenue primarily through the premiums collected from its policyholders. The major revenue streams include individual life insurance policies, which provide long-term coverage and investment components, and medical insurance products that cater to health-related risks. Additionally, the company benefits from investment income generated by the premiums it collects, as these funds are invested in various financial instruments. Strategic partnerships with technology firms enhance Lifenet's distribution capabilities, allowing it to reach a broader customer base and improve efficiency in underwriting and claims processing, further contributing to its earnings.

Lifenet Insurance Company Financial Statement Overview

Summary
Lifenet Insurance Company demonstrates strong financial health with robust revenue growth and profitability margins. The balance sheet is solid with minimal leverage, enhancing financial stability. Cash flow generation is particularly strong, supporting the company's operational and strategic flexibility.
Income Statement
78
Positive
Lifenet Insurance Company has shown a strong revenue growth rate of 7.62% in the latest year, with a solid net profit margin of 19.29%. The EBIT and EBITDA margins are also robust at 29.61%, indicating efficient operations. However, the gross profit margin is not available, which limits a full assessment of cost management.
Balance Sheet
82
Very Positive
The company maintains a very low debt-to-equity ratio of 0.014, reflecting minimal leverage and strong financial stability. Return on equity is moderate at 6.51%, suggesting reasonable profitability relative to shareholder equity. The equity ratio is not provided, which could have offered additional insights into asset financing.
Cash Flow
85
Very Positive
Lifenet Insurance Company exhibits impressive free cash flow growth of 443.85%, indicating strong cash generation capabilities. The free cash flow to net income ratio is healthy at 0.84, suggesting effective conversion of profits into cash. However, the operating cash flow to net income ratio is not available, which could have provided further insights into cash flow efficiency.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue30.36B31.05B25.00B29.90B26.16B20.79B
Gross Profit30.19B30.13B25.00B29.90B26.16B320.00M
EBITDA9.37B9.19B8.88B5.90B-2.92B-2.74B
Net Income5.99B5.99B5.73B3.56B-3.32B-3.11B
Balance Sheet
Total Assets116.18B116.18B112.42B68.60B67.82B54.50B
Cash, Cash Equivalents and Short-Term Investments17.23B17.23B24.42B5.72B3.76B2.06B
Total Debt1.29B1.29B110.00M110.00M7.00M11.00M
Total Liabilities24.06B24.06B21.54B53.03B45.75B38.70B
Stockholders Equity92.11B92.11B90.87B75.69B22.07B15.81B
Cash Flow
Free Cash Flow0.006.10B5.23B2.12B2.27B2.11B
Operating Cash Flow0.007.28B6.02B2.71B2.78B2.94B
Investing Cash Flow0.00-14.29B-3.44B763.00M-7.75B-10.44B
Financing Cash Flow0.00-164.00M9.68B-109.00M9.67B8.88B

Lifenet Insurance Company Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price2260.00
Price Trends
50DMA
2283.74
Negative
100DMA
2114.88
Positive
200DMA
1978.44
Positive
Market Momentum
MACD
5.04
Positive
RSI
43.27
Neutral
STOCH
14.22
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7157, the sentiment is Neutral. The current price of 2260 is below the 20-day moving average (MA) of 2428.30, below the 50-day MA of 2283.74, and above the 200-day MA of 1978.44, indicating a neutral trend. The MACD of 5.04 indicates Positive momentum. The RSI at 43.27 is Neutral, neither overbought nor oversold. The STOCH value of 14.22 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7157.

Lifenet Insurance Company Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$17.95B11.5410.27%3.74%9.64%1.17%
66
Neutral
¥183.26B28.89
22.42%5.10%
$30.45B13.769.18%2.69%
$13.42B15.869.22%2.28%
€226.55M17.345.13%
76
Outperform
¥8.15B16.95
2.67%18.97%24.82%
70
Outperform
¥1.49T11.68
2.51%-6.70%58.89%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7157
Lifenet Insurance Company
2,260.00
553.00
32.40%
DCNSF
Dai-ichi Life Holdings
8.39
1.55
22.66%
TDHOF
T&D Holdings
26.67
10.49
64.83%
DE:EEW
SBI Insurance Group Co., Ltd.
9.00
3.42
61.29%
JP:7181
JAPAN POST INSURANCE Co., Ltd.
4,216.00
1,596.60
60.95%
JP:7325
IRRC Corp.
901.00
235.14
35.31%

Lifenet Insurance Company Corporate Events

Lifenet Insurance Reports Growth and Revises Premium Rates
Apr 9, 2025

Lifenet Insurance Company reported a significant increase in the annualized premium of policies-in-force, reaching 34,518 million yen by the end of March 2025, a 20% increase from the previous year. The company also revised the premium rate for group credit life insurance in April 2025, which could impact future revenue and market competitiveness.

Lifenet Insurance Company Recognized for Health and Productivity Management
Mar 28, 2025

Lifenet Insurance Company has been recognized in the 2025 Certified Health & Productivity Management Outstanding Organizations Recognition Program by the Ministry of Economy, Trade and Industry and The Nippon Kenko Kaigi. This accolade highlights Lifenet’s commitment to promoting health and productivity within the company, aligning with their mission to support the lifestyle of their customers and enhance health literacy among employees. The recognition is part of a broader initiative to evaluate corporations on their health management strategies, impacting stakeholders such as employees, job applicants, and financial institutions.

Lifenet Insurance Revamps IR Website Ahead of TSE Prime Market Transition
Mar 26, 2025

Lifenet Insurance Company has revamped its Investor Relations website to enhance clarity and searchability as it prepares to transition to the Tokyo Stock Exchange Prime Market. This renewal aims to improve communication with shareholders and investors, supporting the company’s strategic initiatives such as the adoption of IFRS and the expansion into group credit life insurance, ultimately enhancing corporate value and promoting sustainable growth.

Leadership Changes at LIFENET MIRAI Inc.
Mar 17, 2025

LIFENET INSURANCE COMPANY announced changes in leadership at its subsidiary, LIFENET MIRAI Inc., with Hiroki Ito set to become the new President, Representative Director, and CEO, replacing Ryosuke Kondo. These changes, effective June 24, 2025, reflect the company’s strategic efforts to enhance its operations and leadership structure, potentially impacting its market positioning and stakeholder relations.

Lifenet Insurance Announces Executive Changes to Boost Strategic Alignment
Mar 17, 2025

LIFENET INSURANCE COMPANY announced changes in its executive officers, effective June 22, 2025, as part of its strategic realignment. These changes are expected to enhance the company’s operational efficiency and strengthen its market position by aligning leadership roles with key business areas such as product development, legal, and customer communication.

Lifenet Insurance Announces Leadership Changes to Drive Growth
Mar 17, 2025

Lifenet Insurance Company announced changes in its leadership, with Junpei Yokozawa appointed as the new President and Representative Director, effective June 22, 2025. This transition is part of a strategic move to further concentrate management resources on business promotion, aiming to enhance corporate value and achieve mid-term business goals by focusing on ‘Tech & Services,’ ‘Rebranding,’ and ‘Embedded’ initiatives.

Lifenet Insurance Achieves Top Customer Satisfaction Ranking for Fifth Year
Mar 14, 2025

Lifenet Insurance Company has been ranked first in customer satisfaction for direct life insurance by J.D. Power for the fifth consecutive year, excelling in forms and documents, types of products, and price. This achievement reflects the company’s strategic focus on ‘Tech & Services,’ ‘Rebranding,’ and ‘Embedded’ initiatives, enhancing its market position and customer perception.

Lifenet Insurance Sees Strong Growth in February 2025 Premiums
Mar 11, 2025

Lifenet Insurance Company reported a significant increase in its annualized premium of policies-in-force for February 2025, reaching 33,953 million yen, which is 120% of the previous year. This growth was driven by a substantial rise in group credit life insurance premiums, which saw a 234% increase compared to February 2024, indicating strong market positioning and potential positive implications for stakeholders.

Lifenet Insurance Reports Robust Growth in January 2025 Performance
Feb 12, 2025

Lifenet Insurance Company reported a significant increase in its annualized premium of policies-in-force for January 2025, reaching 33,618 million yen, which represents a 120% growth compared to January 2024. This performance highlights a notable expansion, particularly in group credit life insurance, which saw a 238% increase. Such growth underscores Lifenet’s strengthening position in the insurance market, reflecting its strategic focus on expanding its insurance offerings and customer reach.

Lifenet Insurance Achieves Significant Growth and Market Recognition in Q3 Fiscal 2024
Feb 12, 2025

Lifenet Insurance Company reported significant growth in its corporate value and profitability for the third quarter of fiscal 2024, with an annualized premium increase of 119.6% year-over-year. The company achieved a top ranking in the Oricon Customer Satisfaction Survey and successfully launched new insurance products targeting young customers, enhancing its market positioning and stakeholder value.

Lifenet Insurance Reports Strong Q3 Financial Growth
Feb 12, 2025

Lifenet Insurance Company reported a strong financial performance for the third quarter of fiscal 2024, with significant growth in insurance revenue and net income. The annualized premium of policies-in-force increased notably, reflecting effective premium rate revisions and increased business from group credit life insurance. The company also experienced a decrease in the surrender and lapse ratio, highlighting improved policy retention. Despite a minor foreign exchange loss affecting financial results, the company’s overall profitability improved, indicating robust operational efficiency and strategic market positioning.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 29, 2025