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JAPAN POST INSURANCE Co., Ltd.
(7181)
JAPAN POST INSURANCE Co., Ltd. (7181) vs. iShares MSCI Japan ETF (EWJ)
JAPAN POST INSURANCE Co., Ltd. Business Overview & Revenue Model
JAPAN POST INSURANCE Co., Ltd. Financial Statement Overview
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.80T | 3.54T | 2.72T | 3.10T | 3.48T | 3.76T |
| Gross Profit | 3.93T | 3.54T | 2.72T | 3.10T | 3.48T | 3.76T |
| EBITDA | 182.59B | 169.69B | 167.45B | 181.96B | 277.49B | 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
JAPAN POST INSURANCE Co., Ltd. Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥1.80T | 12.10 | ― | 2.44% | -21.38% | 58.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥176.67B | 24.27 | ― | ― | 20.22% | 19.40% | |
67 Neutral | ¥5.74T | 13.19 | 10.61% | 3.26% | -8.02% | 5.21% | |
64 Neutral | ¥1.12T | 17.32 | ― | 2.00% | 18.45% | 41.89% | |
61 Neutral | ¥1.85T | 18.12 | 8.83% | 2.74% | -1.96% | 10.32% |
JAPAN POST INSURANCE Co., Ltd. Corporate Events
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 market environment. Adjusted profit also rose 13.2% to ¥120.3 billion, highlighting solid underlying earnings despite product and sales headwinds.
New individual insurance policy sales fell 48.2%, mainly due to weaker demand for lump-sum payment whole life products, and policies in force declined by 4.3%, or 815,000 contracts, from the previous fiscal year-end. Nevertheless, embedded value increased 10.2% to ¥4,343.8 billion and value of new business grew 9.1%, reflecting higher interest rates and stock market gains that bolstered unrealized equity gains and the franchise’s long-term value, even as the company seeks a swift turnaround in its new business segment.
The most recent analyst rating on (JP:7181) stock is a Buy with a Yen5845.00 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 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 insurance policy count and policy amount both down versus March 31, 2025, and individual annuities also showing a decrease in both number of policies and total policy reserves.
New business volumes were significantly lower compared with the same period in 2024, as the number and amount of new individual insurance policies fell, reflecting weaker sales momentum. The data suggest a contraction in both protection and annuity books during the period, which may weigh on growth prospects and indicates a challenging environment for expanding Japan Post Insurance’s core retail franchise.
The most recent analyst rating on (JP:7181) stock is a Buy with a Yen5845.00 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 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 company surged 40.3% to ¥118.42 billion, lifting net income per share to ¥319.47. The insurer’s balance sheet strengthened as net assets increased to ¥4.12 trillion and the equity ratio improved to 7.0%, and it maintained guidance for fiscal 2025 with full‑year ordinary income of ¥5.74 trillion, net income of ¥159.0 billion, and a higher annual dividend forecast of ¥124 per share, signaling confidence in earnings resilience and shareholder returns.
The most recent analyst rating on (JP:7181) stock is a Buy with a Yen5845.00 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 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 better market environment. Adjusted profit also increased 13.2% to ¥120.3 billion after excluding reserve-related effects.
Despite stronger profitability, the number of new individual insurance policies fell 48.2%, mainly due to weaker sales of lump-sum payment whole life products, and policies in force declined 4.3% from the previous fiscal year-end as the insurer works toward a turnaround in its new product category. Embedded value climbed 10.2% to ¥4,343.8 billion and value of new business rose 9.1%, reflecting higher interest rates and equity market gains, underscoring solid underlying franchise value even as top-line policy volumes come under pressure.
The most recent analyst rating on (JP:7181) stock is a Buy with a Yen5845.00 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 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 with policy amounts falling to ¥33.87 trillion, while individual annuities also decreased in both policy count and amount, underscoring a continued contraction in the legacy book.
New individual insurance sales showed a sharp year-on-year drop in both number of policies and policy amount, with new policy volume and value falling to roughly half of the prior-year level. New individual annuity business was minimal, indicating subdued demand or tighter product focus, which may weigh on top-line growth but could reflect a strategic shift toward profitability and risk control in a challenging life insurance market.
The most recent analyst rating on (JP:7181) stock is a Buy with a Yen5845.00 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 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 surged 40.3% to ¥118.4 billion. Net assets climbed to ¥4.12 trillion with the equity ratio improving to 7.0%, and the insurer kept its full-year forecast unchanged, projecting lower ordinary income but a 28.8% rise in net income, alongside a planned increase in the annual dividend to ¥124 per share, signaling confidence in earnings strength and shareholder returns.
The most recent analyst rating on (JP:7181) stock is a Buy with a Yen5845.00 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 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 January 1 and January 31, 2026. Under the broader authorization to acquire up to 20 million shares or 45 billion yen by March 31, 2026, the company has cumulatively bought back 8,196,400 shares for about 35.2 billion yen as of the end of January, signaling continued execution of capital return measures that may support shareholder value and optimize its capital structure.
The most recent analyst rating on (JP:7181) stock is a Hold with a Yen5080.00 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 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 is aimed at lowering the per-share price, improving liquidity and creating a more accessible investment environment to broaden its investor base, while keeping total capital unchanged; in line with the split, the company will amend its Articles of Incorporation to raise its authorized share capital from 2.4 billion to 4.4 billion shares, and it has clarified that the year-end dividend for the fiscal year ending March 31, 2026 will be calculated based on the pre-split share count, which is relevant for existing shareholders and market valuation metrics.
The most recent analyst rating on (JP:7181) stock is a Hold with a Yen4855.00 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 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 income for the fiscal year ended March 31, 2025. Despite this sizable negative valuation gap between the book value and market value of these securities and net unrealized losses of roughly ¥3.25 trillion after offsetting gains, the insurer said it is leaving its earnings and dividend forecasts for the fiscal year ending March 31, 2026 unchanged for now, indicating management does not currently expect the market valuation losses to materially alter its full-year outlook, though it pledged to update investors if disclosure-worthy developments emerge.
The most recent analyst rating on (JP:7181) stock is a Hold with a Yen4855.00 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 has reported the latest status of its ongoing share buyback program, acquiring 1,087,500 of its own common shares for approximately ¥4.86 billion through auction-market purchases on the Tokyo Stock Exchange between December 1 and December 31, 2025. This forms part of a larger board-approved buyback framework, under which the company is authorized to repurchase up to 20 million shares or ¥45 billion by March 31, 2026, and, as of December 31, it had cumulatively bought 7,158,900 shares for about ¥30.10 billion, signaling continued efforts to enhance capital efficiency and shareholder returns through active treasury stock acquisition.
The most recent analyst rating on (JP:7181) stock is a Buy with a Yen4823.00 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 Co., Ltd. announced the acquisition of 6,071,400 shares of its treasury stock, amounting to approximately 25.23 billion yen, between November 17 and November 30, 2025. This move is part of a broader strategy approved by the Board of Directors to acquire up to 20 million shares, aiming to enhance shareholder value and optimize capital structure.
The most recent analyst rating on (JP:7181) stock is a Buy with a Yen4823.00 price target. To see the full list of analyst forecasts on JAPAN POST INSURANCE Co., Ltd. stock, see the JP:7181 Stock Forecast page.