Lifenet Insurance Company (JP:7157)
:7157
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Lifenet Insurance Company
(7157)
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Rating:67Neutral
Price Target:
¥2,362.00
▲(20.51% Upside)
Action:DowngradedDate:10/29/25
Lifenet Insurance Company's strong financial performance is the most significant factor, showcasing robust revenue growth and cash flow generation. However, technical indicators suggest a bearish trend, and the valuation is moderate, which tempers the overall score.
Positive Factors
Low leverage
An extremely low debt-to-equity ratio (0.014) implies durable financial flexibility: less default risk, lower interest burdens, and room to absorb insurance volatility. This balance-sheet strength supports reserve funding, regulatory capital needs and strategic investments over the medium term.
Negative Factors
Moderate ROE
A 6.51% ROE is modest for an insurance business and may constrain long-term shareholder value creation versus higher-return peers. While conservative leverage supports stability, the moderate ROE suggests capital is not being translated into outsized returns, potentially limiting investor appeal and growth leverage.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage
An extremely low debt-to-equity ratio (0.014) implies durable financial flexibility: less default risk, lower interest burdens, and room to absorb insurance volatility. This balance-sheet strength supports reserve funding, regulatory capital needs and strategic investments over the medium term.
Read all positive factors
Lifenet Insurance Company (7157) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥174.82B
Dividend YieldN/A
Average Volume (3M)218.47K
Price to Earnings (P/E)22.1
Beta (1Y)0.83
Revenue Growth20.22%
EPS Growth19.40%
CountryJP
Employees224
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)21.94
Shares Outstanding80,340,770
10 Day Avg. Volume188,880
30 Day Avg. Volume218,470
Financial Highlights & Ratios
PEG Ratio-13.23
Price to Book (P/B)1.52
Price to Sales (P/S)4.50
P/FCF Ratio22.93
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 ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)96.92
Revenue Forecast (FY)¥36.62B
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
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
85
Very Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 32.55B | 31.05B | 25.15B | 21.02B | 21.53B | 20.71B |
| Gross Profit | 32.55B | 31.05B | 25.15B | 14.49B | 17.27B | 14.49B |
| EBITDA | 9.64B | 10.14B | 8.88B | 5.90B | -2.92B | -2.75B |
| Net Income | 6.28B | 5.99B | 5.73B | 3.56B | -3.32B | -3.11B |
Balance Sheet | ||||||
| Total Assets | 120.35B | 116.18B | 112.42B | 68.60B | 67.82B | 54.50B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 17.23B | 24.42B | 5.72B | 3.76B | 2.06B |
| Total Debt | 1.23B | 1.29B | 219.00M | 115.00M | 7.00M | 11.00M |
| Total Liabilities | 25.03B | 24.06B | 21.54B | 53.03B | 45.75B | 38.70B |
| Stockholders Equity | 95.31B | 92.11B | 90.87B | 75.69B | 22.07B | 15.81B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.10B | 5.23B | 2.12B | 2.27B | 2.11B |
| Operating Cash Flow | 0.00 | 7.28B | 6.02B | 2.68B | 2.78B | 2.94B |
| Investing Cash Flow | 0.00 | -14.29B | -3.44B | 763.00M | -7.75B | -10.44B |
| Financing Cash Flow | 0.00 | -164.00M | 9.68B | -109.00M | 9.67B | 8.88B |
Lifenet Insurance Company Technical Analysis
Positive
1960.00
Price Trends
2110.18
Positive
2029.54
Positive
2090.68
Positive
Market Momentum
11.29
Negative
54.47
Neutral
77.20
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7157, the sentiment is Positive. The current price of 1960 is below the 20-day moving average (MA) of 2114.65, below the 50-day MA of 2110.18, and below the 200-day MA of 2090.68, indicating a bullish trend. The MACD of 11.29 indicates Negative momentum. The RSI at 54.47 is Neutral, neither overbought nor oversold. The STOCH value of 77.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥1.75T | 17.60 | ― | 2.44% | -21.38% | 58.05% | |
71 Outperform | ¥35.12B | 7.00 | 4.94% | 4.00% | 10.72% | 293.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥174.82B | 22.15 | ― | ― | 20.22% | 19.40% | |
67 Neutral | ¥5.42T | 7.36 | 10.61% | 3.26% | -8.02% | 5.21% | |
61 Neutral | ¥1.72T | 10.62 | 7.91% | 2.74% | -1.96% | 10.32% | |
47 Neutral | ¥4.12B | -4.99 | 4.15% | ― | -6.60% | ― |
* Financial Sector Average
JP:7157
Lifenet Insurance Company
2,264.00
615.00
37.30%
JP:8750
Dai-ichi Life Holdings
1,483.50
605.94
69.05%
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T&D Holdings
4,068.00
1,419.44
53.59%
JP:8518
Japan Asia Investment Company, Limited
155.00
-76.00
-32.90%
JP:8713
Fidea Holdings Co.Ltd.
1,925.00
578.96
43.01%
JP:7181
JAPAN POST INSURANCE Co., Ltd.
1,625.00
771.76
90.45%
Lifenet Insurance Company Corporate Events
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...
Lifenet Insurance Lifts Profit Outlook on Strong Term Life Growth
Feb 12, 2026
Lifenet Insurance Company reported strong results for the cumulative third quarter of fiscal 2025, highlighting robust growth in annualized premiums of policies in force and improved insurance service results. Performance was driven by solid deman...
Lifenet Lifts Profit Outlook Despite Lower Premium Forecast for Fiscal 2025
Feb 12, 2026
Lifenet Insurance Company revised its consolidated business forecasts for fiscal 2025, trimming its outlook for annualized premiums of policies in force as slower-than-expected growth in group credit life insurance offset stronger performance in i...
Lifenet Insurance Lifts Premiums and Profits on Strong Life and Group Credit Growth
Feb 12, 2026
Lifenet Insurance Company reported steady expansion in its insurance portfolio for the third quarter of fiscal 2025, with annualized premiums of policies-in-force rising to ¥36.4 billion, driven by growth in both individual life and group cre...
Lifenet Insurance Posts 9% Year-on-Year Rise in Policies-in-Force Premiums for January
Feb 10, 2026
Lifenet Insurance Company reported that the annualized premium of policies in force reached 36,637 million yen at the end of January 2026, representing 109% of the level a year earlier. Individual insurance accounted for 28,350 million yen, or 107...
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.