Japan Post Bank Co (7182) AI Stock Analysis

• Market Cap: ¥8.28T
• Dividend Yield: 2.73%
• Average Volume (3M): 6.89M
• Price to Earnings (P/E): 19.3
• Beta (1Y): 0.91
• Revenue Growth: 2.17%
• EPS Growth: 9.55%
• Country: JP
• Employees: 11,419
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 3,575,878,700
• 10 Day Avg. Volume: 7,248,330
• 30 Day Avg. Volume: 6,891,246
• PEG Ratio: 0.80
• Price to Book (P/B): 0.60
• Price to Sales (P/S): 2.18
• P/FCF Ratio: -5.34
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: ¥1,875.00 ▼(-19.06% Downside)

Japan Post Bank Co's overall stock score is driven by strong financial performance and fair valuation. Technical analysis presents mixed signals, with some bearish momentum. The absence of earnings call and corporate events data limits additional insights.

Positive Factors

Strong Financial Performance

The company's consistent revenue growth and profitability highlight its robust business model and effective financial management, ensuring long-term stability.

Stable Balance Sheet

A stable balance sheet with low leverage reduces financial risk, providing the company with flexibility to invest in growth opportunities.

Efficient Cash Generation

Efficient cash generation supports the company's ability to fund operations and invest in future growth, enhancing long-term viability.

Negative Factors

Decline in Equity

A decline in equity could impact the company's financial flexibility, potentially limiting its ability to respond to future challenges or opportunities.

Revenue Growth Decline

While revenue growth has been positive, any decline in growth rates could signal challenges in maintaining market expansion or competitiveness.

Cash Flow Volatility

Volatility in cash flow can affect the company's ability to consistently fund operations and strategic initiatives, impacting long-term growth.

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 generates revenue through several key streams. The primary source of income comes from interest earned on loans and advances provided to customers. Additionally, the bank earns substantial revenue from its deposit-taking activities, where it collects interest from customers' deposits. Fees from various banking services, including account maintenance, transaction processing, and wealth management, also contribute to its income. The bank has established partnerships with other financial institutions and service providers, enhancing its product offerings and customer reach. Furthermore, Japan Post Bank's involvement in the investment and insurance sectors provides additional avenues for revenue generation, capitalizing on the growing demand for financial products in Japan.

Japan Post Bank Co Financial Statement Overview

Summary

Japan Post Bank Co demonstrates strong financial performance with consistent revenue growth and profitability. The balance sheet is stable with low leverage, though there is a slight decline in equity. Cash flow shows some volatility, but overall financials are sound.

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 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.65T	2.49T	2.62T	2.04T	1.95T	1.92T
Gross Profit	1.74T	1.68T	1.92T	1.58T	1.72T	1.68T
EBITDA	51.26B	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	31.50T	28.40T	21.89T	26.58T	20.31T
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

• Technical Analysis Sentiment: Positive
• Last Price: 2316.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 2316.5 is above the 20-day moving average (MA) of 2164.67, above the 50-day MA of 1962.79, and above the 200-day MA of 1711.68, indicating a bullish trend. The MACD of 95.43 indicates Negative momentum. The RSI at 74.62 is Negative, neither overbought nor oversold. The STOCH value of 68.98 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
8411	77 Outperform	¥15.40T	15.39	9.14%	2.38%	-3.62%	23.01%
8309	72 Outperform	¥3.48T	11.88	9.00%	3.31%	16.24%	78.76%
8308	72 Outperform	¥3.74T	15.41	8.37%	1.80%	8.28%	28.63%
7186	69 Neutral	¥1.54T	16.50	6.87%	2.54%	19.38%	29.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7182	67 Neutral	¥8.28T	19.27	4.49%	2.73%	2.17%	9.55%
6178	61 Neutral	¥5.30T	14.34	3.72%	3.03%	-1.36%	38.26%

Japan Post Bank Co Corporate Events

Japan Post Bank Launches New ¥15 Billion Market Share Buyback

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 Completes ¥15 Billion ToSTNeT-3 Buyback, Plans Further Market Purchases

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.

Japan Post Bank Launches Up to ¥30 Billion Share Buyback via ToSTNeT-3

Japan Post Bank has approved a share repurchase program using the Tokyo Stock Exchange’s off-auction ToSTNeT-3 system, initially planning to buy back up to 14,117,600 shares, or about 0.4% of its outstanding common stock (excluding treasury shares), at a price of ¥2,125 per share, for a maximum of roughly ¥30 billion. The buyback, which forms part of a broader authorization to repurchase up to 23 million shares (0.6%) by March 24, 2026 through both off-auction and market purchases, will include shares sold by its parent JAPAN POST HOLDINGS Co., Ltd., and is structured to ensure the parent’s voting-rights stake remains at or below 50%, indicating a measured approach to capital returns while gradually adjusting the group’s ownership structure and potentially enhancing shareholder value through improved capital efficiency.

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 Launches Up to ¥30 Billion Share Buyback to Boost Capital Efficiency

Japan Post Bank’s board has approved a new share repurchase program of up to 23 million common shares, or about 0.6% of shares outstanding, with an aggregate purchase price ceiling of ¥30 billion. The buyback, to be executed between December 24, 2025 and March 24, 2026 via both off-auction trades on the Tokyo Stock Exchange’s ToSTNeT-3 system and open-market purchases under discretionary mandates, is intended to improve capital efficiency and enhance shareholder returns in line with the bank’s mid-term management plan. The program is structured to keep the voting rights held by parent company Japan Post Holdings at roughly 50% or less, with the parent planning to tender a portion of its stake in off-auction transactions so that general shareholders and the parent are treated broadly in balance, and the bank notes the buyback may be scaled back or not executed if market disruptions erode its distributable amounts before the fiscal year-end.

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 Reports Strong Financial Growth for H1 2025

Japan Post Bank Co., Ltd. reported a significant increase in its financial performance for the six months ending September 30, 2025, with a 11.3% rise in ordinary income and a 7.8% increase in net income attributable to owners of the parent compared to the previous year. The bank’s robust earnings growth reflects its strong market positioning and operational efficiency, with a forecasted increase in dividends per share, indicating positive implications for stakeholders.

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 Reports Unrealized Losses with No Impact on Earnings Forecast

Japan Post Bank Co., Ltd. reported unrealized losses on securities amounting to 2,730,868 million yen for the six months ended September 30, 2025. Despite these losses, the company stated that there will be no impact on its consolidated earnings forecast or annual dividends for the fiscal year ending March 31, 2026.

The most recent analyst rating on (JP:7182) stock is a Hold with a Yen1857.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.