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Japan Post Bank Co
(7182)
Japan Post Bank Co (7182) vs. iShares MSCI Japan ETF (EWJ)
Japan Post Bank Co Business Overview & Revenue Model
Japan Post Bank Co Financial Statement Overview
| Breakdown | TTM | Mar 2026 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.48T | 2.41T | 2.29T | 2.04T | 1.81T | 1.74T |
| Gross Profit | 1.65T | 1.60T | 1.59T | 1.59T | 1.58T | 1.49T |
| EBITDA | 600.37B | 629.92B | 536.74B | 488.61B | 534.29B | 427.69B |
| Net Income | 422.95B | 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 | 0.00 | 64.64T | 57.72T | 68.22T | 66.67T | 60.77T |
| Total Debt | 28.47T | 2.51T | 1.98T | 1.63T | 5.60T | 3.92T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 8.99T | 9.04T | 9.67T | 9.62T | 10.27T | 11.37T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -1.02T | -3.78T | -4.54T | 7.62T | 9.39T |
| Operating Cash Flow | 0.00 | -995.96B | -3.75T | -4.50T | 7.67T | 9.43T |
| Investing Cash Flow | 0.00 | 6.99T | -11.80T | 6.34T | -1.59T | -247.98B |
| Financing Cash Flow | 0.00 | 538.13B | 4.18T | -286.04B | -181.66B | -79.14B |
Japan Post Bank Co Technical Analysis
Japan Post Bank Co Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥3.37T | 8.79 | 9.31% | 3.31% | 16.24% | 78.76% | |
71 Outperform | $14.74T | 10.71 | 9.14% | 2.38% | -3.62% | 23.01% | |
70 Neutral | ¥260.58B | -58.23 | ― | 3.66% | 3.30% | 79.42% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $1.52T | 12.21 | 7.83% | 2.54% | 19.38% | 29.95% | |
63 Neutral | $8.95T | 14.35 | 5.28% | 2.73% | 2.17% | 9.55% | |
63 Neutral | ¥3.90T | 10.69 | 8.37% | 1.80% | 8.28% | 28.63% |
Japan Post Bank Co Corporate Events
Japan Post Bank has completed a share repurchase program conducted under its Articles of Incorporation, finalizing open-market buybacks that were part of a broader capital policy approved by its board in December 2025. The company repurchased 2,458,400 common shares in the market between February 1 and March 4, 2026, at a total cost of about ¥7.24 billion.
Including earlier transactions, the full buyback program resulted in the acquisition of 12,675,400 shares for approximately ¥30.0 billion, just under the authorized maximum. By executing this buyback to improve capital efficiency and enhance shareholder returns, Japan Post Bank is signaling disciplined balance sheet management and a continued focus on shareholder-friendly capital allocation, which may support its market valuation and investor confidence.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen3940.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank has released selected financial information for the nine months ended December 31, 2025, outlining key indicators such as consolidated results of operations, trends in net interest income and interest rate spreads, fee and commission income, and general and administrative expenses. The disclosure also details non-consolidated financial conditions, asset management status, unrealized gains and losses on financial instruments, capital adequacy metrics, risk asset balances, problem assets under the Financial Reconstruction Act, and revisions to both earnings and annual dividend forecasts, signaling adjustments in performance expectations and potential implications for shareholder returns and risk management.
The report further breaks down loan and deposit balances, securitized product exposure, and the cost structure, providing stakeholders with granular insight into the bank’s balance sheet quality and profitability drivers. By combining operating trends with updated forecasts and capital indicators, Japan Post Bank offers the market a comprehensive snapshot of its financial health and resilience, informing investors and regulators about how it is managing interest rate conditions, credit risk, and capital adequacy over the fiscal period.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen3429.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank reported consolidated results for the nine months ended Dec. 31, 2025, with ordinary income rising 10.2% year on year to ¥2.11 trillion and net income attributable to owners of the parent climbing 22.4% to ¥377.7 billion, supported by higher net ordinary income and improved profitability per share. Total assets stood at ¥227.5 trillion and the ratio of net assets attributable to shareholders to total assets increased to 4.1%, while the bank revised upward its full-year earnings and year-end dividend forecasts, now projecting ¥720 billion in net ordinary income, ¥500 billion in net income, and a higher annual dividend of ¥70 per share, signaling stronger returns for shareholders and a more confident outlook.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen3429.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank has raised its consolidated earnings forecast for the fiscal year ending March 31, 2026, citing stronger-than-expected interest income from Japanese government bonds as domestic interest rates have risen and the bank has shifted funds from deposits with other banks into zero-risk-weighted JGBs. Net ordinary income is now projected at ¥720 billion and net income attributable to owners at ¥500 billion, representing increases of 5.8% and 6.3% respectively compared with the previous outlook.
Reflecting the improved earnings outlook and its shareholder return policy under the current medium-term management plan, the bank has also lifted its year-end dividend forecast from ¥66 to ¥70 per share, maintaining a payout ratio around 50%. The move underscores management’s commitment to balancing shareholder returns, financial soundness and growth investment, while targeting a dividend payout ratio in the 50%–60% range and gradually increasing dividends per share over time.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen3429.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank has released selected financial information for the nine months ended December 31, 2025, outlining consolidated and non-consolidated performance indicators across its banking operations. The disclosure covers key metrics such as balance sheets, income analysis, net interest income and spreads, fees and commissions, asset management status, unrealized gains and losses on financial instruments, capital adequacy trends, risk asset balances, and problem assets under the Financial Reconstruction Act.
The materials also highlight revisions to consolidated earnings and annual dividend forecasts, signaling updates to management’s expectations for profitability and shareholder returns. Together, these disclosures provide investors and other stakeholders with a detailed view of the bank’s financial condition, cost structure, credit exposure, and capital position, and indicate ongoing adjustments to its earnings outlook and capital distribution policy.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen3429.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank reported solid results for the nine months ended Dec. 31, 2025, with ordinary income rising 10.2% year-on-year to ¥2,105.3 billion and net ordinary income up 25.0% to ¥551.5 billion. Net income attributable to owners of the parent climbed 22.4% to ¥377.7 billion, while total assets stood at ¥227.5 trillion and net assets attributable to shareholders increased to ¥9.35 trillion, improving the net-assets-to-total-assets ratio to 4.1%.
The bank revised its full-year fiscal 2026 outlook, now forecasting net ordinary income of ¥720.0 billion and net income of ¥500.0 billion, implying growth of 23.1% and 20.6% respectively from the previous year. It also upgraded its year-end dividend forecast to ¥70 per share from the prior year’s ¥58, signaling stronger capital generation and an enhanced shareholder return policy supported by ongoing share repurchases and stable accounting practices.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen3429.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank has revised its full-year consolidated earnings forecast for the fiscal year ending March 31, 2026, projecting net ordinary income of ¥720 billion and net income attributable to owners of the parent of ¥500 billion. The upgrade reflects stronger-than-expected interest income from Japanese government bonds as the bank shifts funds from deposits at other banks to zero-risk-weighted JGBs amid rising domestic interest rates and stable assumptions for rates, credit spreads, and exchange rates.
Alongside the earnings upgrade, the bank raised its forecast for the year-end dividend from ¥66 to ¥70 per share, maintaining an approximate 50% dividend payout ratio in line with its shareholder return policy. This move underlines management’s commitment to stable, progressively higher dividends within a target payout range of 50%–60%, signaling confidence in earnings resilience and ongoing capacity to reward shareholders while preserving capital for future growth.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen3429.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank has reported the latest progress on its ongoing share repurchase program, buying 3,158,200 common shares on the market between January 5 and January 31, 2026, for a total of approximately ¥7.76 billion under discretionary transaction contracts. These purchases form part of a broader buyback authorized by the board on December 23, 2025, which allows for up to 23 million shares or ¥30 billion to be repurchased by March 24, 2026; as of January 31, 2026, the bank has cumulatively repurchased 10,217,000 shares for about ¥22.76 billion, signaling a significant step toward completing the program and potentially enhancing shareholder value through capital return and improved capital efficiency.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen3000.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank has reported unrealized losses of ¥3,649.7 billion on its held-to-maturity securities for the nine months ended December 31, 2025, reflecting a decline in the market value of securities with a book value of approximately ¥29.9 trillion to a market value of about ¥26.2 trillion. Despite the scale of these unrealized losses relative to its previous year’s consolidated ordinary income and net income, the bank stated that there will be no change to its consolidated earnings or annual dividend forecasts for the fiscal year ending March 31, 2026, signaling management’s view that the losses are non-cash valuation effects and do not currently alter its operational outlook or shareholder return plans.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen2800.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank Co., Ltd. has resolved to establish Japan Post Bank Asset Management Co., Ltd. through an absorption-type merger of JP Asset Management Co., Ltd., which will be the surviving company, and Japan Post Investment Corporation, with Japan Post Bank and Japan Post Co., Ltd. as key shareholders. The new entity will integrate JP Asset Management’s retail investment trust business with Japan Post Investment’s private equity operations for institutional investors, aiming to offer more sophisticated asset management services and a broader range of products. By maintaining existing retail investment trust channels and private equity funds while expanding its product lineup and distribution network, and by utilizing the post office network, Japan Post Bank Asset Management is expected to strengthen the group’s profitability, deepen its client base, and reinforce its role amid Japan’s push to become a leading global asset management center.
The most recent analyst rating on (JP:7182) stock is a Buy with a Yen2800.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank has approved a market-based share repurchase program of up to 7,088,300 common shares, representing about 0.2% of its outstanding shares (excluding treasury stock), with a maximum outlay of approximately ¥15.0 billion between January 5 and March 24, 2026, executed via discretionary transactions on the open market. This buyback is part of a broader repurchase framework of up to 23 million shares and ¥30 billion authorized on December 23, 2025, and follows an earlier off-auction repurchase of about ¥15.0 billion completed on December 24, 2025; the company notes that the actual amount repurchased may be significantly lower to keep Japan Post Holdings’ voting rights at or below 50%, and that the plan could be curtailed if market turmoil undermines its distributable reserves, highlighting a cautious capital management stance aimed at shareholder returns while preserving financial stability.
The most recent analyst rating on (JP:7182) stock is a Hold with a Yen1875.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.
Japan Post Bank has completed a share repurchase via the Tokyo Stock Exchange’s off-auction ToSTNeT-3 system, buying 7,058,800 common shares for approximately ¥15.0 billion as part of its strategy to improve capital efficiency and enhance shareholder returns. As the buyback volume fell short of the maximum ¥30 billion authorized by its board on December 23, 2025, the bank plans to continue repurchasing shares through market purchases under discretionary transaction contracts from January 5, 2026, while ensuring that Japan Post Holdings’ voting rights stake in the bank remains at or below 50%, a condition that could materially reduce the final repurchase amount and thus influence the pace and scale of capital return to shareholders.
The most recent analyst rating on (JP:7182) stock is a Hold with a Yen1875.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.