Lifenet Insurance Company (7157) AI Stock Analysis

• Market Cap: ¥151.20B
• Dividend Yield: N/A
• Average Volume (3M): 256.88K
• Price to Earnings (P/E): 23.7
• Beta (1Y): 0.85
• Revenue Growth: 22.42%
• EPS Growth: 5.10%
• Country: JP
• Employees: 224
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 27.11
• Shares Outstanding: 80,340,770
• 10 Day Avg. Volume: 259,070
• 30 Day Avg. Volume: 256,883
• 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 ▲(10.93% 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.

Lifenet Insurance Company Business Overview & Revenue Model

Company Description

Lifenet Insurance Company (7157) is a leading provider of innovative insurance solutions in Japan, primarily focusing on life insurance products. The company operates in the insurance sector, offering a diverse range of services including individual life insurance, medical insurance, and asset formation products. Lifenet aims to leverage technology to enhance customer experience and streamline the insurance process, catering to the needs of modern consumers seeking flexible and accessible insurance options.

How the Company Makes Money

Lifenet 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

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	31.47B	29.29B	25.00B	29.90B	26.16B	20.79B
Gross Profit	30.30B	29.29B	25.00B	29.90B	26.16B	320.00M
EBITDA	9.64B	10.13B	8.88B	5.90B	-2.92B	-2.74B
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: Negative
• Last Price: 1885.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

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 1885 is below the 20-day moving average (MA) of 1923.45, below the 50-day MA of 2044.00, and below the 200-day MA of 2003.30, indicating a bearish trend. The MACD of -55.02 indicates Negative momentum. The RSI at 39.96 is Neutral, neither overbought nor oversold. The STOCH value of 14.10 is Positive, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7325	76 Outperform	¥8.32B	17.99	―	2.54%	18.97%	24.78%
7181	70 Outperform	¥1.44T	11.13	―	2.83%	-6.70%	58.89%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7157	67 Neutral	¥151.20B	23.69	―	―	22.42%	5.10%
7326	65 Neutral	¥39.19B	18.61	5.13%	1.44%	9.57%	56.23%
8750	62 Neutral	$4.00T	11.85	9.18%	3.93%	-10.49%	-9.62%
8795	61 Neutral	¥1.66T	12.91	9.22%	3.14%	-2.35%	17.94%

Lifenet Insurance Company Corporate Events

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.

The most recent analyst rating on (JP:7157) stock is a Hold with a Yen2290.00 price target. To see the full list of analyst forecasts on Lifenet Insurance Company stock, see the JP:7157 Stock Forecast page.

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.

The most recent analyst rating on (JP:7157) stock is a Hold with a Yen2290.00 price target. To see the full list of analyst forecasts on Lifenet Insurance Company stock, see the JP:7157 Stock Forecast page.

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.

The most recent analyst rating on (JP:7157) stock is a Hold with a Yen2290.00 price target. To see the full list of analyst forecasts on Lifenet Insurance Company stock, see the JP:7157 Stock Forecast page.

Lifenet Insurance Reports Strong Q1 2025 Financial Results

Lifenet Insurance Company reported its consolidated financial results for the first quarter of fiscal 2025, showing a significant increase in insurance revenue and service results. The company experienced a 21.3% rise in insurance revenue compared to the same period last year, driven by growth in both individual life insurance and group credit life insurance. Despite a foreign exchange loss affecting financial results, net income before taxes increased by 16.9%, indicating a positive impact on the company’s operations and market positioning.

The most recent analyst rating on (JP:7157) stock is a Hold with a Yen2300.00 price target. To see the full list of analyst forecasts on Lifenet Insurance Company stock, see the JP:7157 Stock Forecast page.

Lifenet Insurance Reports Strong Growth in Annualized Premiums for July 2025

Lifenet Insurance Company reported a significant increase in its annualized premium of policies-in-force, reaching 35,429 million yen by the end of July 2025, which is 111% of the previous year’s figure. This growth reflects a strong performance in both individual and group credit life insurance segments, indicating a positive trend in the company’s market positioning and potential benefits for stakeholders.

The most recent analyst rating on (JP:7157) stock is a Hold with a Yen2300.00 price target. To see the full list of analyst forecasts on Lifenet Insurance Company stock, see the JP:7157 Stock Forecast page.

Lifenet Insurance Executes Shareholders’ Agreement with SBI Holdings

Lifenet Insurance Company has executed a shareholders’ agreement with SBI Holdings, Inc., as previously scheduled. This agreement is part of a broader capital and business alliance strategy, but it is not expected to significantly impact the company’s business forecast for the fiscal year ending March 2026.

The most recent analyst rating on (JP:7157) stock is a Hold with a Yen2200.00 price target. To see the full list of analyst forecasts on Lifenet Insurance Company stock, see the JP:7157 Stock Forecast page.