Lifenet Insurance Company (7157) AI Stock Analysis

• Market Cap: ¥155.14B
• Dividend Yield: N/A
• Average Volume (3M): 218.47K
• Price to Earnings (P/E): 21.4
• Beta (1Y): 0.86
• Revenue Growth: 20.22%
• EPS Growth: 19.40%
• Country: JP
• Employees: 224
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 28.64
• Shares Outstanding: 80,340,770
• 10 Day Avg. Volume: 188,880
• 30 Day Avg. Volume: 218,470
• PEG Ratio: -13.24
• Price to Book (P/B): 1.52
• Price to Sales (P/S): 4.78
• P/FCF Ratio: 22.93
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 91.54
• Revenue Forecast (FY): ¥33.52B

• Rating: 67 Neutral
• Price Target: ¥2,091.00 ▲(6.96% Upside)

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

Revenue Growth

Consistent revenue growth indicates expanding market reach and product adoption, enhancing long-term business sustainability.

Cash Flow Generation

Strong cash flow generation supports operational and strategic flexibility, enabling reinvestment and growth opportunities.

Financial Stability

Minimal leverage enhances financial stability, reducing risk and providing a solid foundation for future growth.

Negative Factors

Profitability Concerns

Moderate return on equity may indicate limited efficiency in generating profits from shareholder investments, affecting long-term returns.

Gross Profit Margin

Lack of gross profit margin data hinders comprehensive evaluation of cost efficiency and pricing strategy, impacting profitability analysis.

Earnings Volatility

Significant earnings volatility can indicate instability in financial performance, potentially affecting investor confidence and future growth.

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 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 Money

Lifenet Insurance Company generates revenue primarily through the sale of insurance premiums paid by policyholders. The company earns income from various types of insurance products, including life and health insurance. In addition to premium income, Lifenet also profits from investment income generated by the premiums collected, which are invested in a diversified portfolio of assets. Significant partnerships with healthcare providers and financial institutions may also contribute to its earnings by expanding distribution channels and enhancing product offerings. Furthermore, the company may benefit from reinsurance arrangements that help manage risk while optimizing capital utilization.

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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	31.91B	29.29B	25.00B	20.13B	26.16B	20.79B
Gross Profit	30.30B	29.29B	25.00B	20.13B	26.16B	20.79B
EBITDA	9.64B	10.13B	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	110.00M	110.00M	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

• Technical Analysis Sentiment: Positive
• Last Price: 1955.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 1955 is above the 20-day moving average (MA) of 1893.55, above the 50-day MA of 1900.34, and below the 200-day MA of 2013.71, indicating a neutral trend. The MACD of 8.55 indicates Negative momentum. The RSI at 56.30 is Neutral, neither overbought nor oversold. The STOCH value of 73.76 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7325	73 Outperform	¥7.74B	19.29	―	2.85%	12.33%	-15.46%
7181	72 Outperform	¥1.68T	11.39	―	2.44%	-21.38%	58.05%
8750	69 Neutral	¥4.80T	11.80	10.61%	3.26%	-8.02%	5.21%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7157	67 Neutral	¥155.14B	21.38	―	―	20.22%	19.40%
7326	65 Neutral	¥50.86B	19.44	6.16%	1.10%	13.99%	85.66%
8795	61 Neutral	¥1.88T	14.60	8.83%	2.74%	-1.96%	10.32%

Lifenet Insurance Company Corporate Events

Lifenet Insurance to Launch and Renew Cancer Insurance Products

Lifenet Insurance Company has announced the launch and renewal of its cancer insurance products, set to take effect on December 1, 2025. The new offerings include term cancer insurance products and renewed whole-life cancer insurance, aimed at addressing the financial burdens of cancer treatment and adapting to the shift from inpatient to outpatient care. This initiative reflects Lifenet’s commitment to providing customer-oriented products and is expected to have a minor impact on the company’s fiscal performance.

Lifenet Insurance Company Reports Strong Q2 2025 Financial Results

Lifenet Insurance Company reported a strong financial performance for the second quarter of fiscal 2025, with increased insurance revenue and net income. The company’s annualized premium for policies-in-force grew, driven by both individual life insurance and group credit life insurance. The results indicate a positive trend in business growth and profitability, with implications for enhanced stakeholder value.

Lifenet Insurance Sees 10% Growth in Annualized Premiums for October 2025

Lifenet Insurance Company reported a 10% increase in the annualized premium of policies-in-force for October 2025 compared to the previous year, reaching 35,993 million yen. This growth reflects a strong performance in both individual and group credit life insurance segments, with individual insurance growing by 6% and group credit life insurance by 23%. The increase in new business and a slight decrease in the surrender and lapse ratio indicate a positive trend for the company, potentially enhancing its market position and stakeholder confidence.

Lifenet Insurance Reports Growth in Annualized Premiums for September 2025

Lifenet Insurance Company reported a 10% increase in the annualized premium of policies-in-force for September 2025 compared to the previous year, reaching 35,806 million yen. This growth reflects a 6% increase in individual insurance and a significant 25% rise in group credit life insurance. The company also saw an increase in the number of new business policies and a slight improvement in the surrender and lapse ratio, indicating a strong operational performance.

Lifenet Insurance Focuses on Cost-Effective Management Strategies

Lifenet Insurance Company announced that its Board of Directors has discussed initiatives to implement management strategies that are conscious of cost of capital and stock price. This move indicates the company’s effort to enhance its operational efficiency and potentially improve its market positioning, which could have significant implications for stakeholders.

Lifenet Insurance Reports Strong Growth in Annualized Premiums for August 2025

Lifenet Insurance Company reported a significant increase in their annualized premium of policies-in-force for August 2025, reaching 35,586 million yen, which is 110% of the previous year. This growth reflects a robust performance in both individual and group credit life insurance segments, with individual insurance premiums rising to 27,553 million yen and group credit life insurance premiums increasing to 8,032 million yen. The company’s improved performance indicates a positive trajectory in its market positioning and potential benefits for stakeholders.