Japan Post Bank Co (7182) AI Stock Analysis

• Market Cap: $6.66T
• Dividend Yield: 3.1%
• Average Volume (3M): 7.64M
• Price to Earnings (P/E): 15.9
• Beta (1Y): 0.84
• Revenue Growth: -14.57%
• EPS Growth: 16.03%
• Country: JP
• Employees: 11,419
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 35.00
• Shares Outstanding: 3,575,878,700
• 10 Day Avg. Volume: 6,376,440
• 30 Day Avg. Volume: 7,642,233
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: -4.71
• Enterprise Value/Revenue: -18.36
• Enterprise Value/Gross Profit: -17.11
• Enterprise Value/Ebitda: -282.24
• 1Y Price Target: $2,065.19
• Price Target Upside: 10.26% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 74 Outperform
• Price Target: ¥1,798.00 ▼(-4.00% Downside)

Japan Post Bank Co's stock is supported by strong financial performance and robust technical indicators, with an attractive valuation enhancing its appeal. While cash flow shows some volatility, the overall financial health remains solid, making it a strong contender in the regional banking sector.

Japan Post Bank Co Business Overview & Revenue Model

Company Description

JAPAN POST BANK Co., Ltd. provides various banking products and services to retail and corporate clients in Japan and internationally. The company offers liquid deposits, including transfer deposits, savings deposits, ordinary deposits, etc.; fixed-term deposits, such as time deposits, TEIGAKU deposits, etc.; and other deposits, as well as negotiable certificates of deposit. It also provides loans secured by deposits, loans secured by Japanese government bonds, and credit card loans, as well as loans to local, central, and regional government authorities; syndicated loans; and corporate and other secondary market loans. In addition, the company offers securities investment products, domestic and foreign exchange services, Japanese government bonds, investment trust products, and insurance products; and intermediary services, such as mortgage and credit card services. It operates through a network of 32,005 ATMs and 23,881 branches. The company was formerly known as Yucho Co, Ltd. and changed its name to JAPAN POST BANK Co., Ltd. in October 2007. The company was incorporated in 2006 and is headquartered in Tokyo, Japan. JAPAN POST BANK Co., Ltd. is a subsidiary of Japan Post Holdings Co., Ltd.

How the Company Makes Money

Japan Post Bank Co. makes money primarily through interest income generated from its extensive portfolio of loans and investments. The bank's revenue model is heavily reliant on the spread between the interest it earns on its assets, such as government bonds and corporate loans, and the interest it pays on customer deposits. Additionally, the bank generates non-interest income from fees and commissions related to investment products, payment services, and foreign exchange transactions. Strategic partnerships with other financial institutions and corporations also contribute to its earnings by expanding its product offerings and customer base.

Japan Post Bank Co Financial Statement Overview

Summary

Japan Post Bank Co shows a strong income statement with consistent revenue growth and profitability. The balance sheet is stable with low leverage, though there is a decline in stockholders' equity. Cash flow management is efficient despite some volatility, highlighting solid financial health.

Income Statement

Japan Post Bank Co shows a strong income statement with a consistent growth trajectory. The gross profit margin and net profit margin have remained robust, reflecting effective cost control and profitability. Revenue growth has been positive year-over-year, with a notable increase from the previous years, indicating expanding operations or improved market conditions. However, the EBIT and EBITDA margins have seen some fluctuations, which might suggest variability in operational efficiency or higher operating costs at times.

Balance Sheet

The balance sheet of Japan Post Bank Co demonstrates strong financial stability with a solid equity base and low leverage, as indicated by a healthy equity ratio. The debt-to-equity ratio is low, reducing financial risk, and the return on equity is satisfactory, suggesting effective use of equity financing. However, the decline in stockholders' equity over recent periods may warrant attention, as it could affect long-term financial flexibility.

Cash Flow

Cash flow analysis reveals a mixed performance, with fluctuations in free cash flow and operating cash flow to net income ratios. The company has shown growth in operating cash flow, but the variability in free cash flow growth rate points to potential volatility in cash management or capital expenditures. Despite these fluctuations, the strong operating cash flow relative to net income highlights efficient cash generation from core business activities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.71T	2.49T	2.62T	2.04T	1.95T	1.92T
Gross Profit	1.83T	1.68T	1.92T	1.58T	1.72T	1.68T
EBITDA	111.12B	111.12B	536.74B	488.61B	534.29B	427.69B
Net Income	414.32B	414.32B	356.13B	325.07B	355.07B	280.13B
Balance Sheet
Total Assets	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Cash, Cash Equivalents and Short-Term Investments	64.64T	64.64T	57.72T	68.22T	66.67T	60.77T
Total Debt	2.51T	2.51T	28.40T	21.89T	7.12T	3.92T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	9.04T	9.04T	9.67T	9.62T	10.27T	11.37T
Cash Flow
Free Cash Flow	0.00	4.54T	18.09B	-4.54T	7.62T	9.39T
Operating Cash Flow	0.00	4.60T	81.04B	-4.50T	7.67T	9.43T
Investing Cash Flow	0.00	2.53T	-10.28T	6.34T	-1.59T	-247.98B
Financing Cash Flow	0.00	-208.09B	-236.64B	-286.04B	-181.66B	-79.14B

Japan Post Bank Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1873.00
• 50DMA: Positive
• 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:7182, the sentiment is Positive. The current price of 1873 is above the 20-day moving average (MA) of 1846.90, above the 50-day MA of 1720.10, and above the 200-day MA of 1533.02, indicating a bullish trend. The MACD of 44.61 indicates Positive momentum. The RSI at 61.87 is Neutral, neither overbought nor oversold. The STOCH value of 29.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7182.

Japan Post Bank Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7182	74 Outperform	$6.66T	15.89	4.73%	3.10%	-14.57%	16.03%
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
RSNHF	―	$22.95B	16.00	8.46%	1.71%	―	―
CCRDF	―	$8.63B	14.86	6.86%	2.85%	―	―
CMTDF	―	$20.46B	10.94	9.20%	3.37%	―	―
JPHLF	―	$30.81B	12.91	3.83%	3.25%	―	―
MZHOF	―	$81.20B	13.16	8.69%	2.87%	―	―

Japan Post Bank Co Corporate Events

Japan Post Bank Reports Strong Q1 2025 Financial Results

Japan Post Bank Co., Ltd. reported its consolidated financial results for the quarter ending June 30, 2025, showing a significant increase in ordinary income and net income attributable to owners of the parent compared to the previous year. The bank’s financial performance indicates a positive trajectory in its operations, with a forecasted increase in dividends per share and stable financial conditions, which could enhance its market positioning and provide favorable implications for its stakeholders.

Japan Post Bank Reports Unrealized Losses with No Impact on Forecast

Japan Post Bank Co., Ltd. reported unrealized losses on securities amounting to 2,259,194 million yen for the three months ended June 30, 2025. Despite these losses, the company stated that there will be no impact on its consolidated earnings forecast and annual dividends for the fiscal year ending March 31, 2026, indicating stability in its financial outlook.

Japan Post Bank Announces Executive Changes and Shareholder Structure Update

Japan Post Bank Co., Ltd. announced changes in its controlling shareholder structure and executive roles within the Japan Post Group. The bank’s parent company, Japan Post Holdings Co., Ltd., maintains a 50.05% voting rights stake, positioning the bank as a key entity within the group. The announcement includes upcoming retirements and appointments of key executives, which are expected to influence the bank’s strategic direction and operations.