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JAPAN POST INSURANCE Co., Ltd.
(7181)
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Rating:46Neutral
Price Target:
¥1,752.00
▼(-63.22% 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 Advantage
Exclusive access to Japan Post’s nationwide post office distribution creates a durable customer acquisition and servicing advantage. The scale and ubiquity of the network lower distribution costs, support persistency through face-to-face service, and sustain new policy flows over multiple years.
Negative Factors
Persistent Negative Cash Flow
Consistently large negative operating and free cash flows materially weaken financial flexibility and increase reliance on balance-sheet funding or capital injections. Over multiple years this constrains strategic investments, dividend capacity, and the insurer’s ability to respond to stress without external support.
Read all positive and negative factors
Positive Factors
Negative Factors
Distribution Advantage
Exclusive access to Japan Post’s nationwide post office distribution creates a durable customer acquisition and servicing advantage. The scale and ubiquity of the network lower distribution costs, support persistency through face-to-face service, and sustain new policy flows over multiple years.
Read all positive factors
JAPAN POST INSURANCE Co., Ltd. (7181) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.92T
Dividend Yield2.31%
Average Volume (3M)708.54K
Price to Earnings (P/E)11.6
Beta (1Y)0.73
Revenue Growth-5.90%
EPS Growth27.69%
CountryJP
Employees18,487
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Life
Share Statistics
EPS (TTM)152.99
Shares Outstanding1,084,817,700
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
¥1,721.43Price Target Upside-63.87% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)149.6
Revenue Forecast (FY)¥5.23T
JAPAN POST INSURANCE Co., Ltd. Business Overview & Revenue Model
Company Description
JAPAN POST INSURANCE Co., Ltd. (7181) is a Japan-based life insurance company in the Japan Post Group. It operates in the life insurance sector, primarily offering individual insurance products to retail customers and distributing them mainly thro...
How the Company Makes Money
JAPAN POST INSURANCE makes money primarily through (1) insurance-related income and (2) investment-related income from assets held to back policy obligations.
1) Insurance premiums and policy-related charges
- Premium income: The company collects...
JAPAN POST INSURANCE Co., Ltd. Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
49
Neutral
Cash Flow
22
Negative
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 3.08T | 3.51T | 2.80T | 3.15T | 3.47T |
| Gross Profit | -878.36B | -614.24B | -1.74T | -1.79T | -1.45T |
| EBITDA | 305.77B | 169.69B | 167.45B | 181.96B | 277.49B |
| Net Income | 168.80B | 123.47B | 87.06B | 97.61B | 158.06B |
Balance Sheet | |||||
| Total Assets | 58.44T | 59.56T | 60.86T | 62.69T | 67.17T |
| Cash, Cash Equivalents and Short-Term Investments | 9.82T | 1.98T | 1.16T | 1.44T | 1.27T |
| Total Debt | 5.10T | 5.02T | 4.31T | 4.04T | 5.11T |
| Total Liabilities | 54.29T | 56.31T | 57.46T | 60.31T | 64.75T |
| Stockholders Equity | 4.15T | 3.24T | 3.40T | 2.38T | 2.42T |
Cash Flow | |||||
| Free Cash Flow | -1.89T | -1.64T | -3.11T | -2.98T | -2.76T |
| Operating Cash Flow | -1.88T | -1.63T | -3.06T | -2.98T | -2.76T |
| Investing Cash Flow | 1.83T | 2.39T | 2.72T | 3.12T | 3.19T |
| Financing Cash Flow | -124.24B | 60.14B | 62.17B | -72.94B | -420.27B |
JAPAN POST INSURANCE Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥6.96T | 12.32 | 11.07% | 2.83% | 16.92% | 66.45% | |
74 Outperform | ¥53.29B | 16.95 | 14.36% | 2.20% | 21.02% | 46.82% | |
73 Outperform | ¥1.99T | 3.97 | 26.86% | 2.63% | 23.11% | 103.05% | |
67 Neutral | ¥2.40T | 16.85 | 9.01% | 2.55% | 6.25% | 17.99% | |
63 Neutral | ¥44.51B | 9.45 | 4.89% | 4.00% | 11.61% | 62.61% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
46 Neutral | ¥1.92T | 11.64 | ― | 2.44% | -5.90% | 27.69% |
* General Sector Average
JP:7181
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JAPAN POST INSURANCE Co., Ltd. Corporate Events
Japan Post Insurance Reports Slight Decline in In-Force Policies Amid Portfolio Adjustment
Aug 7, 2026
Japan Post Insurance reported financial results for the quarter ended June 30, 2026, highlighting modest declines in policies in force for both individual insurance and individual annuities. As of June 30, 2026, individual insurance policies stood...
Japan Post Insurance Posts Solid Q1 Profits but Guides to Weaker Full-Year Earnings
Aug 7, 2026
Japan Post Insurance reported consolidated ordinary income of ¥1,364.4 billion for the quarter ended June 30, 2026, down 4.9% year on year, while ordinary profit edged up 2.8% to ¥69.3 billion and net income attributable to the company s...
Japan Post Insurance flags ¥4.46 trillion unrealized securities loss, keeps earnings outlook
Jul 24, 2026
Japan Post Insurance disclosed that unrealized losses on its assessed securities reached approximately ¥4.46 trillion as of June 30, 2026, far exceeding its most recent annual consolidated ordinary profit and net income. The losses stem from ...
Japan Post Insurance and SCOR Plan Reinsurance Vehicle for Postal Life Risks
Jul 10, 2026
Japan Post Insurance and French reinsurer SCOR have signed a memorandum of understanding to transfer underwriting risks from Japan Post Insurance’s Postal Life Insurance policies and to create a dedicated reinsurance vehicle. The structure i...
Japan Post Insurance Details Governance and Ties with Parent Japan Post Holdings
Jun 26, 2026
Japan Post Insurance has detailed its relationship with parent company Japan Post Holdings, which owns 49.76% of its voting rights and leads a diversified group covering postal, logistics, banking, real estate and life insurance businesses. The di...
Japan Post Insurance Publishes Embedded Value Disclosure for Fiscal 2025
May 28, 2026
Japan Post Insurance has released its Embedded Value figures as of March 31, 2026, offering investors an additional lens on the insurer’s current financial position beyond traditional accounting metrics. The disclosure includes details on th...
Japan Post Insurance Corrects English Version of FY2025 Financial Results
May 27, 2026
Japan Post Insurance Co., Ltd. has issued a partial correction to the English version of its financial results announcement for the fiscal year ended March 31, 2026. The company said the change addresses an error found after disclosure in the unau...
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...
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.