Lifenet Insurance Company (JP:7157)
:7157
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Lifenet Insurance Company
(7157)
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Rating:71Outperform
Price Target:
¥1,990.00
▲(1.53% Upside)
Action:Upgraded
Date:05/15/26
The score is primarily supported by strong financial performance (profitability recovery, low leverage, and positive free cash flow). This is meaningfully tempered by weak technical signals showing sustained downside momentum and oversold conditions. Valuation is moderate based on the provided P/E, with no dividend yield data to add support.
Positive Factors
Conservative balance sheet
Very low leverage and a large equity base provide durable financial flexibility for an insurer: they reduce insolvency risk, support reserve build-up, permit disciplined underwriting and strategic investment, and allow the company to absorb underwriting or market shocks over multiple cycles.
Negative Factors
Earnings volatility history
Pronounced historical swings in revenue and past losses imply underwriting, pricing or investment sensitivity; this makes forward earnings less predictable, complicates capital planning and may require larger capital buffers or conservative reserving over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage and a large equity base provide durable financial flexibility for an insurer: they reduce insolvency risk, support reserve build-up, permit disciplined underwriting and strategic investment, and allow the company to absorb underwriting or market shocks over multiple cycles.
Read all positive factors
Lifenet Insurance Company (7157) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥137.46B
Dividend YieldN/A
Average Volume (3M)218.47K
Price to Earnings (P/E)17.1
Beta (1Y)0.81
Revenue Growth14.78%
EPS Growth34.13%
CountryJP
Employees224
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)78.23
Shares Outstanding80,340,770
10 Day Avg. Volume188,880
30 Day Avg. Volume218,470
Financial Highlights & Ratios
PEG Ratio0.59
Price to Book (P/B)1.69
Price to Sales (P/S)4.53
P/FCF Ratio20.22
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥2,200.00Price Target Upside12.24% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)99.74
Revenue Forecast (FY)¥36.95B
Lifenet Insurance Company Business Overview & Revenue Model
Company Description
Lifenet 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 th...
How the Company Makes Money
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Lifenet Insurance Company Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
80
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 32.55B | 35.64B | 31.05B | 25.15B | 21.02B | 21.53B |
| Gross Profit | 32.55B | 35.64B | 31.05B | 25.15B | 14.49B | 17.27B |
| EBITDA | 9.64B | 12.48B | 10.14B | 8.88B | 5.90B | -2.92B |
| Net Income | 6.28B | 8.04B | 5.99B | 5.73B | 3.56B | -3.32B |
Balance Sheet | ||||||
| Total Assets | 120.35B | 121.83B | 116.18B | 112.42B | 68.60B | 67.82B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 13.60B | 17.23B | 24.42B | 5.72B | 3.76B |
| Total Debt | 1.23B | 1.01B | 1.29B | 219.00M | 115.00M | 7.00M |
| Total Liabilities | 25.03B | 26.23B | 24.06B | 21.54B | 53.03B | 45.75B |
| Stockholders Equity | 95.31B | 95.60B | 92.11B | 90.87B | 75.69B | 22.07B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.99B | 6.10B | 5.23B | 2.12B | 2.27B |
| Operating Cash Flow | 0.00 | 8.82B | 7.28B | 6.02B | 2.68B | 2.78B |
| Investing Cash Flow | 0.00 | -12.18B | -14.29B | -3.44B | 763.00M | -7.75B |
| Financing Cash Flow | 0.00 | -282.00M | -164.00M | 9.68B | -109.00M | 9.67B |
Lifenet Insurance Company Technical Analysis
Negative
1960.00
Price Trends
2023.56
Negative
2046.33
Negative
2057.83
Negative
Market Momentum
-76.26
Positive
35.51
Neutral
20.30
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7157, the sentiment is Negative. The current price of 1960 is above the 20-day moving average (MA) of 1841.85, below the 50-day MA of 2023.56, and below the 200-day MA of 2057.83, indicating a bearish trend. The MACD of -76.26 indicates Positive momentum. The RSI at 35.51 is Neutral, neither overbought nor oversold. The STOCH value of 20.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7157.
Lifenet Insurance Company Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥5.98T | 13.49 | 10.61% | 3.26% | 10.30% | 3.49% | |
71 Outperform | ¥137.46B | 17.07 | ― | ― | 14.78% | 34.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.97T | 14.55 | 7.91% | 2.74% | -6.35% | 16.15% | |
63 Neutral | ¥35.53B | 8.51 | 4.94% | 4.00% | 8.60% | 46.50% | |
46 Neutral | ¥1.56T | 9.18 | ― | 2.44% | -12.57% | 42.29% | |
41 Neutral | ¥3.73B | -67.07 | 4.15% | ― | -31.54% | -110.01% |
* Financial Sector Average
JP:7157
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Lifenet Insurance Company Corporate Events
Lifenet Insurance Lifts Policies-in-Force Premiums 8% in April 2026
May 13, 2026
Lifenet Insurance Company reported that the annualized premium of policies in force reached 37,395 million yen at the end of April 2026, up 8% from a year earlier, driven by growth in both individual and group credit life insurance. Individual ins...
Lifenet Insurance Revamps Board, Taps Japan Airlines Executive as New Director
May 13, 2026
Lifenet Insurance Company has nominated Japan Airlines executive Shingo Nishida as a non-executive director, with his appointment contingent on shareholder approval in June and regulatory clearance related to Japan Airlines’ status as an ins...
Lifenet Insurance Lifts Corporate Value and Expands Alliances Ahead of FY2026 Push
May 13, 2026
Lifenet Insurance Company reported strong growth for fiscal 2025, with comprehensive equity rising 5% year on year, annualized premiums of policies in force up 8%, and insurance service results advancing 21%. Under a new management team, a turnaro...
Lifenet Insurance Profit Jumps on Strong Premium Growth and Lower Claims
May 13, 2026
Lifenet Insurance Company reported solid growth for the fiscal year ended March 31, 2026, with annualized premiums of policies in force rising to ¥37.29 billion, driven by increases in both individual life and group credit life insurance. The...
Lifenet Forms Capital Alliance With Japan Airlines as KDDI Partnership Continues
Apr 30, 2026
Lifenet Insurance Company announced a new capital and business alliance under which Japan Airlines will acquire all 14,726,100 Lifenet shares, or 18.32 percent, currently held by au Financial Holdings. Lifenet will continue working with the KDDI G...
Lifenet Taps Japan Airlines as New Strategic Shareholder to Drive Embedded Insurance Expansion
Apr 30, 2026
Lifenet Insurance Company has entered a new capital and business alliance with Japan Airlines, as major shareholder au Financial Holdings agreed to transfer its entire 18.32% stake in Lifenet to JAL. This shift will dissolve Lifenet’s capita...
Lifenet Insurance lifts policies-in-force premiums 8% year on year
Apr 9, 2026
Lifenet Insurance Company reported that its annualized premium of policies-in-force reached 37,291 million yen at the end of March 2026, representing 108% of the level a year earlier. Individual insurance contributed 28,719 million yen, or 107% of...
Lifenet Tightens Governance as KDDI Unit Drops Director Seat but Alliance Holds
Mar 31, 2026
Lifenet Insurance Company said au Financial Holdings and its parent KDDI will cease to be classified as its “other associated companies” after auFH agreed to give up its contractual right to nominate a director and its executive office...
Lifenet Insurance Posts 9% Year-on-Year Gain in Policies-in-Force Premiums for February 2026
Mar 10, 2026
Lifenet Insurance Company reported that the annualized premium of policies-in-force reached 36,898 million yen at the end of February 2026, up 9% from a year earlier. Individual insurance accounted for 28,528 million yen, while group credit life i...
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.