JAPAN POST INSURANCE Co., Ltd. (7181) AI Stock Analysis

• Market Cap: ¥1.44T
• Dividend Yield: 2.83%
• Average Volume (3M): 708.54K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.74
• Revenue Growth: -6.70%
• EPS Growth: 58.89%
• Country: JP
• Employees: 19,092
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 93.18
• Shares Outstanding: 371,822,700
• 10 Day Avg. Volume: 689,480
• 30 Day Avg. Volume: 708,543
• PEG Ratio: 0.23
• Price to Book (P/B): 0.36
• Price to Sales (P/S): 0.33
• P/FCF Ratio: -0.71
• 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: ¥4,700.00
• Price Target Upside: 17.91% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: ¥4,264.00 ▲(6.97% Upside)

Japan Post Insurance Co., Ltd. shows a reasonably strong overall performance with solid technical indicators and a fair valuation. The main challenges lie in financial performance, particularly in cash flow generation and revenue consistency. The stock's current upward trend is tempered by overbought signals, suggesting caution in the short term. The lack of new earnings call data or corporate events keeps the focus on existing financial and market data.

JAPAN POST INSURANCE Co., Ltd. Business Overview & Revenue Model

Company Description

JAPAN POST INSURANCE Co., Ltd. (7181) is a prominent insurance company based in Japan, specializing in life insurance products and services. As a subsidiary of Japan Post Holdings Co., Ltd., the company operates in the financial services sector, offering a range of coverage options including whole life, term life, and annuity products. JAPAN POST INSURANCE aims to meet the diverse needs of its customers by providing financial security and peace of mind through its comprehensive insurance solutions.

How the Company Makes Money

JAPAN POST INSURANCE generates revenue primarily through the sale of life insurance policies, which include premiums collected from policyholders. The company earns significant income from both traditional life insurance products and annuities, which require policyholders to pay premiums over time. Additionally, the company may invest the premiums received in various financial instruments, such as bonds and stocks, generating investment income. Key revenue streams include individual life insurance policies, group insurance plans, and retirement products. The company's affiliation with Japan Post enables it to leverage a vast distribution network, facilitating access to a wide customer base, which further enhances its revenue potential.

JAPAN POST INSURANCE Co., Ltd. Financial Statement Overview

Summary

Japan Post Insurance Co., Ltd. demonstrates strength in cost management and equity stability, but faces challenges with consistent revenue growth and cash flow generation. The company needs to address volatility in net income and improve operational cash flow to enhance financial health and investor confidence.

Income Statement

The company shows a mixed trend in revenue and profitability. Gross Profit Margin and EBIT Margin remain strong, reflecting efficient cost management. However, there is a notable fluctuation in revenue with a significant drop from 2020 to 2024, followed by an increase in 2025. The Net Profit Margin shows improvement in 2025, yet it remains volatile across the years, indicating potential instability in net income.

Balance Sheet

The balance sheet indicates a stable equity position with a strong Equity Ratio. The Debt-to-Equity Ratio remains manageable, suggesting prudent management of financial leverage. However, the Return on Equity (ROE) is inconsistent, reflecting variable profitability relative to shareholder equity. The company maintains a strong liquidity position with substantial cash reserves.

Cash Flow

The cash flow statement reveals challenges with negative Free Cash Flow and Operating Cash Flow over the years, indicating potential issues in cash generation from operations. However, the company has managed to reduce negative Free Cash Flow in 2025 compared to previous years. There is a need for improvement in cash flow efficiency to ensure sustainable growth.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.80T	3.51T	2.98T	3.33T	3.48T	3.75T
Gross Profit	3.93T	3.78T	2.98T	3.33T	3.48T	1.00T
EBITDA	182.59B	169.69B	162.46B	181.96B	277.50B	295.24B
Net Income	137.17B	123.47B	87.06B	97.61B	158.06B	166.10B
Balance Sheet
Total Assets	58.93T	59.56T	60.86T	62.69T	67.17T	70.17T
Cash, Cash Equivalents and Short-Term Investments	0.00	1.98T	1.16T	1.44T	1.27T	1.34T
Total Debt	4.84T	500.00B	400.00B	300.00B	300.00B	300.00B
Total Liabilities	55.55T	56.31T	57.46T	60.31T	64.75T	67.33T
Stockholders Equity	3.38T	3.24T	3.40T	2.38T	2.42T	2.84T
Cash Flow
Free Cash Flow	-1.64T	-1.64T	-3.11T	-3.01T	-2.79T	-2.84T
Operating Cash Flow	-1.63T	-1.63T	-3.06T	-2.98T	-2.76T	-2.81T
Investing Cash Flow	2.39T	2.39T	2.72T	3.22T	3.11T	2.55T
Financing Cash Flow	60.14B	60.14B	62.17B	-72.94B	-420.27B	176.74B

JAPAN POST INSURANCE Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3986.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 3986 is below the 20-day moving average (MA) of 4058.60, below the 50-day MA of 4096.46, and above the 200-day MA of 3357.86, indicating a neutral trend. The MACD of -31.58 indicates Positive momentum. The RSI at 45.33 is Neutral, neither overbought nor oversold. The STOCH value of 64.49 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7167	71 Outperform	¥839.97B	15.22	―	2.21%	13.30%	40.85%
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%
7163	67 Neutral	―	―	―	―	23.73%	12.39%
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%

JAPAN POST INSURANCE Co., Ltd. Corporate Events

Japan Post Insurance Reports Strong Net Income Growth Amid Decline in New Policies

Japan Post Insurance Co., Ltd. reported a significant increase in net income by 65.4% year on year, despite a decline in the number of new policies sold, particularly in lump-sum payment whole life insurance. The company experienced a decrease in the value of new business by 37.8% due to fewer new policies, but saw an increase in embedded value by 2.0% due to unrealized gains in domestic stocks, reflecting a positive market environment.

The most recent analyst rating on (JP:7181) stock is a Buy with a Yen4200.00 price target. To see the full list of analyst forecasts on JAPAN POST INSURANCE Co., Ltd. stock, see the JP:7181 Stock Forecast page.

Japan Post Insurance Reports Q1 2025 Financial Results

Japan Post Insurance Co., Ltd. reported its financial results for the quarter ending June 30, 2025, highlighting a slight decrease in both the number of policies in force and the policy amounts compared to March 2025. The announcement indicates a challenging quarter with a noticeable drop in new individual insurance policies, suggesting potential impacts on the company’s market position and future growth prospects.

The most recent analyst rating on (JP:7181) stock is a Buy with a Yen4200.00 price target. To see the full list of analyst forecasts on JAPAN POST INSURANCE Co., Ltd. stock, see the JP:7181 Stock Forecast page.

Japan Post Insurance Reports Improved Profitability Amidst Slight Income Decline

Japan Post Insurance Co., Ltd. reported its consolidated financial results for the three months ended June 30, 2025, showing a slight decline in ordinary income and profit compared to the previous year. However, net income attributable to the company saw a significant increase of 65.4%, indicating improved profitability. The company’s comprehensive income also rose substantially, reflecting a positive financial position. The financial results forecast for the fiscal year ending March 31, 2026, anticipates a decrease in ordinary income but an increase in ordinary profit and net income, suggesting strategic adjustments to enhance profitability.

The most recent analyst rating on (JP:7181) stock is a Buy with a Yen4200.00 price target. To see the full list of analyst forecasts on JAPAN POST INSURANCE Co., Ltd. stock, see the JP:7181 Stock Forecast page.

Japan Post Insurance Corrects Financial Results for FY 2025

Japan Post Insurance Co., Ltd. announced corrections to its financial results for the fiscal year ended March 31, 2025, specifically revising figures related to Embedded Value. This correction indicates the company’s commitment to transparency and accuracy in its financial reporting, which is crucial for maintaining stakeholder trust and market credibility.

The most recent analyst rating on (JP:7181) stock is a Buy with a Yen4200.00 price target. To see the full list of analyst forecasts on JAPAN POST INSURANCE Co., Ltd. stock, see the JP:7181 Stock Forecast page.

Japan Post Insurance Corrects European Embedded Value Figures

Japan Post Insurance Co., Ltd. has announced corrections to its previously disclosed European Embedded Value (EEV) as of March 31, 2025. The corrections involve adjustments to figures related to the EEV, which now stands at ¥3,940.9 billion, reflecting a decrease of ¥24.1 billion from the previous year. This adjustment impacts the company’s financial metrics, including the Value of In-Force Covered Business, which decreased due to economic experience variances. These corrections may influence stakeholders’ perceptions of the company’s financial health and market positioning.

The most recent analyst rating on (JP:7181) stock is a Buy with a Yen4200.00 price target. To see the full list of analyst forecasts on JAPAN POST INSURANCE Co., Ltd. stock, see the JP:7181 Stock Forecast page.

Japan Post Insurance Invests $2 Billion in Reinsurance Vehicle

Japan Post Insurance announced a $2 billion investment in a new reinsurance vehicle sponsored by Global Atlantic, a subsidiary of KKR. This strategic move, part of a partnership with KKR and Global Atlantic, is expected to have minimal impact on Japan Post Insurance’s financial results for the fiscal year ending March 31, 2026, and aims to enhance its access to reinsurance and strategic opportunities.

The most recent analyst rating on (JP:7181) stock is a Buy with a Yen4200.00 price target. To see the full list of analyst forecasts on JAPAN POST INSURANCE Co., Ltd. stock, see the JP:7181 Stock Forecast page.