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

• Market Cap: ¥1.46T
• Dividend Yield: 2.56%
• Average Volume (3M): 877.51K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.71
• Revenue Growth: 26.21%
• EPS Growth: 41.82%
• 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: 1,028,750
• 30 Day Avg. Volume: 877,510
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ¥3,941.00
• Price Target Upside: -3.03% Downside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 70 Outperform
• Price Target: ¥4,264.00 ▲(4.92% 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. 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 as loan guarantees. In addition, the company is involved in trading government bonds and government-guaranteed bonds; accepting subscriptions for government bonds, corporate bonds, and other bonds; and the commissioned management and other businesses, as well as the other life insurance businesses. Further, it is involved in the management of postal life insurance policies. The company offers products through agencies and direct managed sales offices to individual and corporate customers. The company was founded in 2006 and is headquartered in Tokyo, Japan.

How the Company Makes Money

JAPAN POST INSURANCE Co., Ltd. generates revenue primarily through the sale of life insurance and annuity products. The company earns premiums from policyholders who purchase life insurance policies and annuities. These premiums are invested in a diversified portfolio of assets, including government bonds, corporate bonds, equities, and real estate, to generate investment income. The company also benefits from its partnership with Japan Post Holdings, utilizing the vast network of post offices to reach a wide customer base, which contributes significantly to its sales. Additionally, the firm manages risks and liabilities through careful underwriting and risk assessment practices, ensuring profitability and stability in its operations.

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	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.54T	2.72T	3.10T	3.48T	3.76T
Gross Profit	3.54T	2.72T	3.10T	3.48T	3.76T
EBITDA	130.58B	162.46B	181.96B	277.50B	295.24B
Net Income	123.47B	87.06B	97.61B	158.06B	166.10B
Balance Sheet
Total Assets	59.56T	60.86T	62.69T	67.17T	70.17T
Cash, Cash Equivalents and Short-Term Investments	1.98T	1.16T	1.44T	1.27T	1.34T
Total Debt	5.02T	400.00B	300.00B	300.00B	300.00B
Total Liabilities	56.31T	57.46T	60.31T	64.75T	67.33T
Stockholders Equity	3.24T	3.40T	2.38T	2.42T	2.84T
Cash Flow
Free Cash Flow	-1.64T	-3.15T	-3.01T	-2.79T	-2.84T
Operating Cash Flow	-1.63T	-3.06T	-2.98T	-2.76T	-2.81T
Investing Cash Flow	2.39T	2.72T	3.22T	3.11T	2.55T
Financing Cash Flow	60.14B	62.17B	-72.94B	-420.27B	176.74B

JAPAN POST INSURANCE Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4064.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7181, the sentiment is Positive. The current price of 4064 is above the 20-day moving average (MA) of 3692.35, above the 50-day MA of 3438.84, and above the 200-day MA of 3006.85, indicating a bullish trend. The MACD of 191.22 indicates Negative momentum. The RSI at 78.90 is Negative, neither overbought nor oversold. The STOCH value of 93.23 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
7181	70 Outperform	¥1.46T	11.26		2.56%	26.21%	41.82%
Sector *	67 Neutral	$18.44B	11.55	10.07%	3.49%	10.43%	3.13%
DCNSF	―	$30.18B	13.57	9.18%	2.73%	―	―
TDHOF	―	$13.49B	15.86	9.22%	2.25%	―	―
7167	71 Outperform	¥796.91B	13.80		1.82%	2.02%	92.64%
7163	70 Outperform	¥734.93B	26.75		0.39%	―	―
7157	54 Neutral	¥197.74B	32.99		―	24.65%	102.08%

JAPAN POST INSURANCE Co., Ltd. Corporate Events

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.

Japan Post Insurance Reports Significant Unrealized Losses on Securities

Japan Post Insurance Co., Ltd. reported unrealized losses on its securities amounting to 2,487,421 million yen as of June 30, 2025. Despite these losses, the company has not revised its financial results forecast for the fiscal year ending March 31, 2026, indicating stability in its financial outlook.

The most recent analyst rating on (JP:7181) stock is a Hold with a Yen2570.00 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 Details Parent Company Relationship

Japan Post Insurance Co., Ltd. has announced details regarding its relationship with its parent company, Japan Post Holdings, which holds a substantial share of voting rights. The announcement highlights the intertwined personnel and transaction relationships within the Japan Post Group, emphasizing shared governance and operational efficiencies. This structure is designed to enhance the group’s business administration and management efficiency, potentially impacting stakeholders by reinforcing group governance and improving operational effectiveness.

The most recent analyst rating on (JP:7181) stock is a Hold with a Yen2570.00 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 Reveals EEV Results to Enhance Financial Transparency

Japan Post Insurance Co., Ltd. has disclosed its European Embedded Value (EEV) results as of March 31, 2025, to provide insights into its current financial position. This disclosure aims to enhance transparency and offer stakeholders a clearer understanding of the company’s financial health and operational efficiency.

The most recent analyst rating on (JP:7181) stock is a Hold with a Yen2570.00 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 Strong Financial Performance Amid Market Challenges

Japan Post Insurance Co., Ltd. reported a significant increase in net income by 41.8% year-on-year, driven by a positive market environment despite a decrease in the number of policies in force. The company forecasts continued strong investment income and plans to increase its annual dividend per share, reflecting a commitment to shareholder returns. The number of new policies for individual insurance saw a notable increase, contributing to a substantial rise in the value of new business, although the overall embedded value experienced a slight decline due to decreased unrealized gains in domestic stocks.

The most recent analyst rating on (JP:7181) stock is a Hold with a Yen2570.00 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 Fiscal Year 2025 Results

Japan Post Insurance Co., Ltd. reported its financial results for the fiscal year ending March 31, 2025, highlighting a decrease in the number of policies in force and new policies compared to the previous year. The announcement indicates a shift in the company’s market dynamics, potentially impacting its operational strategies and stakeholder interests.

The most recent analyst rating on (JP:7181) stock is a Hold with a Yen2570.00 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 Fiscal Year 2025 Financial Results

Japan Post Insurance Co., Ltd. reported its consolidated financial results for the fiscal year ended March 31, 2025, showing a decline in ordinary income by 8.6% compared to the previous year, but an increase in net income attributable to the company by 41.8%. The company plans to enhance shareholder value through a scheduled dividend increase and the acquisition and cancellation of treasury stock, indicating a strategic focus on improving financial performance and shareholder returns.

The most recent analyst rating on (JP:7181) stock is a Hold with a Yen3300.00 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 Announces Executive Leadership Change

JAPAN POST INSURANCE Co., Ltd. announced a change in its Representative Executive Officer, with Hironaka Yasuaki set to replace Shima Toshitaka as Deputy President and Representative Executive Officer. This change is part of the company’s strategy to bolster its management framework, which may impact its operational efficiency and market competitiveness.

The most recent analyst rating on (JP:7181) stock is a Hold with a Yen3300.00 price target. To see the full list of analyst forecasts on JAPAN POST INSURANCE Co., Ltd. stock, see the JP:7181 Stock Forecast page.