JAPAN POST INSURANCE Co., Ltd. (JP:7181)
:7181
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JAPAN POST INSURANCE Co., Ltd.
(7181)
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Rating:46Neutral
Price Target:
¥1,434.00
▼(-69.90% Downside)
Action:Reiterated
Date:05/19/26
The score is held down primarily by weak cash flow quality (persistently negative operating/free cash flow) and negative gross profit metrics despite improved FY2026 revenue and earnings. Technicals are also soft with the stock below key moving averages and overbought stochastic readings, while valuation (low P/E and a moderate dividend yield) provides partial support.
Positive Factors
Distribution Network
Exclusive access to Japan Post’s nationwide post office network provides a durable competitive advantage in retail life insurance distribution. A vast, low-friction branch footprint supports persistency, new policy acquisition and cross-sell, reducing customer acquisition costs and sustaining long-term premium flows independent of short-term channels.
Negative Factors
Negative Cash Flow
Persistently large negative operating and free cash flows materially weaken financial flexibility and increase reliance on balance sheet funding or capital injections. Over time, negative cash conversion constrains reinvestment, limits ability to smooth claims or buybacks, and raises vulnerability to interest or market shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Distribution Network
Exclusive access to Japan Post’s nationwide post office network provides a durable competitive advantage in retail life insurance distribution. A vast, low-friction branch footprint supports persistency, new policy acquisition and cross-sell, reducing customer acquisition costs and sustaining long-term premium flows independent of short-term channels.
Read all positive factors
JAPAN POST INSURANCE Co., Ltd. (7181) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.68T
Dividend Yield2.44%
Average Volume (3M)708.54K
Price to Earnings (P/E)8.5
Beta (1Y)0.76
Revenue Growth-12.57%
EPS Growth42.29%
CountryJP
Employees19,092
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)140.50
Shares Outstanding1,115,468,100
10 Day Avg. Volume689,480
30 Day Avg. Volume708,543
Financial Highlights & Ratios
PEG Ratio0.25
Price to Book (P/B)0.42
Price to Sales (P/S)0.57
P/FCF Ratio-0.92
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥1,750.00Price Target Upside-63.27% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)155.53
Revenue Forecast (FY)¥5.54T
JAPAN POST INSURANCE Co., Ltd. Business Overview & Revenue Model
Company Description
Japan Post Insurance Co., Ltd. provides life insurance products and services in Japan. It also offers agency or administrative services for other insurance companies, including foreign insurance companies; and financial services companies, as well...
How the Company Makes Money
JAPAN POST INSURANCE earns money primarily through (1) insurance underwriting and (2) investment income from managing policyholder assets. On the underwriting side, it collects premiums from life insurance policies and recognizes revenue over time...
JAPAN POST INSURANCE Co., Ltd. Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
49
Neutral
Cash Flow
22
Negative
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.66T | 3.08T | 3.51T | 2.80T | 3.15T | 3.47T |
| Gross Profit | -1.27T | -878.36B | -614.24B | -1.74T | -1.79T | -1.45T |
| EBITDA | 188.65B | 305.77B | 169.69B | 167.45B | 181.96B | 277.49B |
| Net Income | 157.46B | 168.80B | 123.47B | 87.06B | 97.61B | 158.06B |
Balance Sheet | ||||||
| Total Assets | 58.98T | 58.44T | 59.56T | 60.86T | 62.69T | 67.17T |
| Cash, Cash Equivalents and Short-Term Investments | 9.36T | 9.82T | 1.98T | 1.16T | 1.44T | 1.27T |
| Total Debt | 4.92T | 5.10T | 5.02T | 4.31T | 4.04T | 5.11T |
| Total Liabilities | 54.85T | 54.29T | 56.31T | 57.46T | 60.31T | 64.75T |
| Stockholders Equity | 4.12T | 4.15T | 3.24T | 3.40T | 2.38T | 2.42T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -1.89T | -1.64T | -3.11T | -2.98T | -2.76T |
| Operating Cash Flow | 0.00 | -1.88T | -1.63T | -3.06T | -2.98T | -2.76T |
| Investing Cash Flow | 0.00 | 1.83T | 2.39T | 2.72T | 3.12T | 3.19T |
| Financing Cash Flow | 0.00 | -124.24B | 60.14B | 62.17B | -72.94B | -420.27B |
JAPAN POST INSURANCE Co., Ltd. Technical Analysis
Negative
4764.00
Price Trends
1564.78
Negative
1588.32
Negative
1472.43
Positive
Market Momentum
-14.99
Positive
41.68
Neutral
32.25
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7181, the sentiment is Negative. The current price of 4764 is above the 20-day moving average (MA) of 1536.35, above the 50-day MA of 1564.78, and above the 200-day MA of 1472.43, indicating a neutral trend. The MACD of -14.99 indicates Positive momentum. The RSI at 41.68 is Neutral, neither overbought nor oversold. The STOCH value of 32.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7181.
JAPAN POST INSURANCE Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥6.06T | 11.86 | 10.61% | 3.26% | 10.30% | 3.49% | |
74 Outperform | ¥58.30B | 16.91 | 6.16% | 1.10% | 4.70% | 44.87% | |
72 Outperform | ¥2.02T | 5.92 | 20.02% | 2.63% | 31.37% | 148.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.98T | 14.15 | 7.91% | 2.74% | -6.35% | 16.15% | |
63 Neutral | ¥36.48B | 8.11 | 4.94% | 4.00% | 8.60% | 46.50% | |
46 Neutral | ¥1.68T | 8.47 | ― | 2.44% | -12.57% | 42.29% |
* Financial Sector Average
JP:7181
JAPAN POST INSURANCE Co., Ltd.
1,473.50
472.89
47.26%
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JAPAN POST INSURANCE Co., Ltd. Corporate Events
Japan Post Insurance Delivers Record Profit but Policy Volumes Slide
May 15, 2026
Japan Post Insurance reported a 36.7% year-on-year jump in net income to ¥168.7 billion and a record adjusted profit of ¥171.5 billion, driven by a lower initial burden of policy reserves and improved positive spreads amid a favorable ma...
Japan Post Insurance Boosts Core Profit Amid Contracting In-Force Book and Bond Losses
May 15, 2026
Japan Post Insurance reported a sharp decline in annualized premiums from new policies and a shrinking policy amount in force through the fiscal year ended March 31, 2026, even as insurance premiums and related income rose, driven mainly by the in...
Japan Post Insurance Reports Decline in Policies and New Business for FY2025
May 15, 2026
Japan Post Insurance has reported its financial results for the fiscal year ended March 31, 2026, detailing movements in policies in force and new business volumes. The data show a decline in the number and policy amount of both individual insuran...
Japan Post Insurance Boosts Profit and Capital, Guides to Lower Earnings After Stock Split
May 15, 2026
Japan Post Insurance reported a decline in ordinary income to ¥5.63 trillion for the fiscal year ended March 31, 2026, but sharply improved profitability, with ordinary profit jumping nearly 60% to ¥271.9 billion and net income attributa...
Japan Post Insurance Sets New Medium-Term Management Plan for FY2026–FY2028
May 15, 2026
Japan Post Insurance Co., Ltd. has approved a new medium-term management plan covering fiscal years 2026 to 2028, corresponding to the period from the year ending March 31, 2027 through the year ending March 31, 2029. The plan, details of which ar...
Japan Post Insurance Elevates Atsushi Tachibana to Representative Executive Officer
May 15, 2026
Japan Post Insurance has announced changes to its senior management, naming Senior Managing Executive Officer Atsushi Tachibana as Deputy President and Representative Executive Officer, effective June 22, 2026. The move, approved in principle by t...
Japan Post Insurance Discloses Massive Unrealized Bond Losses but Keeps Earnings Outlook
Apr 23, 2026
Japan Post Insurance has reported unrealized losses of ¥4,019.6 billion on listed held-to-maturity and policy-reserve-matching bonds as of March 31, 2026, against a book value of ¥22,780.2 billion and a market value of ¥18,760.6 bil...
Japan Post Insurance to Appoint Toru Onishi as New President and CEO
Apr 10, 2026
Japan Post Insurance Co., Ltd. has announced a planned change in its top management, with Director and Deputy President Toru Onishi set to become Director and President, CEO, Representative Executive Officer following shareholder approval in June ...
Japan Post Insurance Completes ¥45 Billion Share Buyback Program
Mar 26, 2026
Japan Post Insurance has completed a tranche of its authorized share repurchase program, buying 982,400 common shares on the Tokyo Stock Exchange between March 1 and March 24, 2026, for a total of about ¥4.62 billion. The purchases were condu...
Japan Post Insurance Details Progress on Share Buyback Program
Mar 6, 2026
Japan Post Insurance has reported progress on its ongoing share buyback program authorized under its Articles of Incorporation, aimed at acquiring its own common stock on the Tokyo Stock Exchange. The initiative, which can be used to enhance capit...
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.