JAPAN POST INSURANCE Co., Ltd. (JP:7181)
:7181
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JAPAN POST INSURANCE Co., Ltd.
(7181)
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Rating:72Outperform
Price Target:
¥1,759.00
▼(-63.08% Downside)
Action:ReiteratedDate:11/30/25
The overall stock score of 72 reflects a balanced view of Japan Post Insurance Co., Ltd. The company's strong valuation and positive technical indicators are offset by challenges in financial performance, particularly in cash flow generation and revenue consistency. The absence of notable earnings call insights or corporate events means these factors did not influence the score.
Positive Factors
Nationwide distribution network
Access to Japan Post’s nationwide post office network is a durable competitive advantage: it provides broad physical reach, low incremental customer acquisition costs and stable access to retail customers. This distribution scale supports long-term premium generation and cross-sell opportunities.
Negative Factors
Negative revenue growth trend
A roughly 30% reported revenue decline signals structural challenges in premium flows or product mix. Sustained revenue weakness reduces scale benefits, pressures margins and limits reinvestment capacity, making it harder to grow reserves and cover rising benefits or expenses over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Nationwide distribution network
Access to Japan Post’s nationwide post office network is a durable competitive advantage: it provides broad physical reach, low incremental customer acquisition costs and stable access to retail customers. This distribution scale supports long-term premium generation and cross-sell opportunities.
Read all positive factors
JAPAN POST INSURANCE Co., Ltd. (7181) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.75T
Dividend Yield2.44%
Average Volume (3M)708.54K
Price to Earnings (P/E)17.6
Beta (1Y)0.76
Revenue Growth-21.38%
EPS Growth58.05%
CountryJP
Employees19,092
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)22.30
Shares Outstanding1,115,468,100
10 Day Avg. Volume689,480
30 Day Avg. Volume708,543
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.36
Price to Sales (P/S)0.33
P/FCF Ratio-0.71
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥4,070.00Price Target Upside-14.57% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)151.51
Revenue Forecast (FY)¥5.62T
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 makes money primarily through (1) underwriting income from life insurance policies and (2) investment income generated from managing the assets backing its policy liabilities. Underwriting-related revenue is driven by premiums...
JAPAN POST INSURANCE Co., Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.66T | 3.51T | 2.80T | 3.15T | 3.47T | 3.75T |
| Gross Profit | -1.27T | -614.24B | -1.74T | -1.79T | -1.45T | -1.40T |
| EBITDA | 188.65B | 169.69B | 167.45B | 181.96B | 277.49B | 295.24B |
| Net Income | 157.46B | 123.47B | 87.06B | 97.61B | 158.06B | 166.10B |
Balance Sheet | ||||||
| Total Assets | 58.98T | 59.56T | 60.86T | 62.69T | 67.17T | 70.17T |
| Cash, Cash Equivalents and Short-Term Investments | 9.36T | 1.98T | 1.16T | 1.44T | 1.27T | 1.34T |
| Total Debt | 4.92T | 5.02T | 4.31T | 4.04T | 5.11T | 4.89T |
| Total Liabilities | 54.85T | 56.31T | 57.46T | 60.31T | 64.75T | 67.33T |
| Stockholders Equity | 4.12T | 3.24T | 3.40T | 2.38T | 2.42T | 2.84T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -1.64T | -3.11T | -2.98T | -2.76T | -2.81T |
| Operating Cash Flow | 0.00 | -1.63T | -3.06T | -2.98T | -2.76T | -2.81T |
| Investing Cash Flow | 0.00 | 2.39T | 2.72T | 3.12T | 3.19T | 2.75T |
| Financing Cash Flow | 0.00 | 60.14B | 62.17B | -72.94B | -420.27B | 176.74B |
JAPAN POST INSURANCE Co., Ltd. Technical Analysis
Neutral
4764.00
Price Trends
1599.32
Negative
1556.01
Positive
1411.23
Positive
Market Momentum
5.50
Negative
48.96
Neutral
27.53
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7181, the sentiment is Neutral. The current price of 4764 is above the 20-day moving average (MA) of 1585.15, above the 50-day MA of 1599.32, and above the 200-day MA of 1411.23, indicating a neutral trend. The MACD of 5.50 indicates Negative momentum. The RSI at 48.96 is Neutral, neither overbought nor oversold. The STOCH value of 27.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥1.75T | 17.60 | ― | 2.44% | -21.38% | 58.05% | |
72 Outperform | ¥2.00T | 3.01 | 20.02% | 2.63% | 23.96% | 179.16% | |
71 Outperform | ¥35.12B | 7.00 | 4.94% | 4.00% | 10.72% | 293.23% | |
69 Neutral | ¥52.82B | 19.36 | 6.16% | 1.10% | 13.99% | 85.66% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥5.42T | 7.36 | 10.61% | 3.26% | -8.02% | 5.21% | |
61 Neutral | ¥1.72T | 10.62 | 7.91% | 2.74% | -1.96% | 10.32% |
* Financial Sector Average
JP:7181
JAPAN POST INSURANCE Co., Ltd.
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JAPAN POST INSURANCE Co., Ltd. Corporate Events
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...
Japan Post Insurance Lifts Profit and Embedded Value Despite Slump in New Policy Sales
Feb 13, 2026
Japan Post Insurance reported a 40.3% year-on-year jump in net income to ¥118.4 billion for the nine months ended December 31, 2025, helped by a smaller first-year policy reserve burden and improved investment spread in a more favorable marke...
Japan Post Insurance Reports Lower In-Force and New Policy Volumes for Nine-Month Period
Feb 13, 2026
Japan Post Insurance Co., Ltd. reported financial results for the nine months ended December 31, 2025, highlighting trends in its life insurance and annuity portfolios. The insurer’s policies in force declined modestly, with individual insur...
Japan Post Insurance Lifts Profit and Keeps Outlook as Equity Base Strengthens
Feb 13, 2026
Japan Post Insurance reported consolidated ordinary income of ¥4.10 trillion for the nine months ended December 31, 2025, down 5.4% year on year, while ordinary profit rose 5.2% to ¥234.44 billion and net income attributable to the compa...
Japan Post Insurance Earnings Surge as Embedded Value Rises Despite Slump in New Policies
Feb 13, 2026
Japan Post Insurance reported a 40.3% year-on-year rise in net income to ¥118.4 billion for the nine months ended December 31, 2025, driven by a lower initial burden of policy reserves on new contracts and improved investment spreads amid a b...
Japan Post Insurance Sees Contraction in In-Force and New Policies Over Nine Months
Feb 13, 2026
Japan Post Insurance reported its unaudited non-consolidated financial results for the nine months ended Dec. 31, 2025, highlighting trends in policies in force and new business. Individual insurance policies in force declined to 12.31 million wit...
Japan Post Insurance Lifts Profit and Dividend Despite Lower Revenue
Feb 13, 2026
Japan Post Insurance reported consolidated ordinary income of ¥4.10 trillion for the nine months to December 31, 2025, down 5.4% year on year, while ordinary profit rose 5.2% to ¥234.4 billion and net income attributable to the company s...
Japan Post Insurance Updates Progress on Multi-Billion Yen Share Buyback
Feb 6, 2026
Japan Post Insurance has reported the latest progress of its share buyback program authorized in November 2025, disclosing that it repurchased 1,037,500 of its own common shares for approximately 5.1 billion yen on the Tokyo Stock Exchange between...
Japan Post Insurance Announces Three-for-One Stock Split and Expansion of Authorized Shares
Jan 29, 2026
Japan Post Insurance has approved a three-for-one stock split of its common shares, effective April 1, 2026, for shareholders of record on March 31, 2026, increasing the total shares issued from about 372 million to roughly 1.12 billion. The move ...
Japan Post Insurance Reveals Large Unrealized Bond Losses but Keeps Earnings Outlook Unchanged
Jan 28, 2026
Japan Post Insurance disclosed that unrealized losses on certain listed held-to-maturity and policy-reserve-matching bonds totaled ¥3,481.1 billion as of December 31, 2025, a level that far exceeds its consolidated ordinary profit and net inc...
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.