Japan Post Bank Co Ltd (JP:7182)
:7182
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Japan Post Bank Co
(7182)
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Rating:63Neutral
Price Target:
¥2,887.00
▲(5.89% Upside)
Action:ReiteratedDate:02/13/26
The score is driven primarily by solid underlying financial performance (profitability and growth with low leverage), partially offset by cash-flow variability and declining equity. Technically, momentum is strong but conditions are very overbought, raising near-term downside risk. Valuation is a headwind given the high P/E and only modest dividend yield.
Positive Factors
Deposit franchise & distribution network
Japan Post Bank's nationwide branch and ATM network creates a durable, low-cost retail deposit franchise. Persistent access to household deposits supports stable funding, high deposit volumes and payment flows, underpinning long-term intermediation and investment income generation.
Negative Factors
Declining stockholders' equity
A recent decline in stockholders' equity erodes capital cushions that support lending and securities absorption. Persisting erosion could constrain growth, raise regulatory capital needs and limit strategic optionality, increasing vulnerability to adverse market or credit events.
Read all positive and negative factors
Positive Factors
Negative Factors
Deposit franchise & distribution network
Japan Post Bank's nationwide branch and ATM network creates a durable, low-cost retail deposit franchise. Persistent access to household deposits supports stable funding, high deposit volumes and payment flows, underpinning long-term intermediation and investment income generation.
Read all positive factors
Japan Post Bank Co (7182) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥9.69T
Dividend Yield2.73%
Average Volume (3M)6.89M
Price to Earnings (P/E)14.4
Beta (1Y)0.96
Revenue Growth2.17%
EPS Growth9.55%
CountryJP
Employees11,419
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)37.92
Shares Outstanding3,575,878,700
10 Day Avg. Volume7,248,330
30 Day Avg. Volume6,891,246
Financial Highlights & Ratios
PEG Ratio0.80
Price to Book (P/B)0.60
Price to Sales (P/S)2.26
P/FCF Ratio-5.34
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥3,274.96Price Target Upside20.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering8
EPS Forecast (FY)170.21
Revenue Forecast (FY)¥1.68T
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.; fixe...
How the Company Makes Money
Japan Post Bank primarily earns money by intermediating and investing the large volume of customer deposits it gathers through its retail banking franchise. A major earnings driver is interest and investment income generated from deploying deposit...
Japan Post Bank Co Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
68
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | 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
Positive
2726.50
Price Trends
2730.21
Negative
2401.99
Positive
2043.74
Positive
Market Momentum
16.33
Negative
54.81
Neutral
67.27
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 2726.5 is above the 20-day moving average (MA) of 2602.40, below the 50-day MA of 2730.21, and above the 200-day MA of 2043.74, indicating a neutral trend. The MACD of 16.33 indicates Negative momentum. The RSI at 54.81 is Neutral, neither overbought nor oversold. The STOCH value of 67.27 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥3.71T | 8.79 | 9.31% | 3.31% | 16.24% | 78.76% | |
71 Outperform | ¥16.87T | 10.71 | 9.14% | 2.38% | -3.62% | 23.01% | |
70 Neutral | ¥264.19B | -58.23 | ― | 3.66% | 3.30% | 79.42% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥1.76T | 12.21 | 7.83% | 2.54% | 19.38% | 29.95% | |
63 Neutral | ¥9.69T | 14.35 | 5.28% | 2.73% | 2.17% | 9.55% | |
63 Neutral | ¥4.35T | 10.69 | 8.37% | 1.80% | 8.28% | 28.63% |
* Financial Sector Average
JP:7182
Japan Post Bank Co
2,724.50
1,365.04
100.41%
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818.76
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Concordia Financial Group
1,528.50
730.92
91.64%
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2,197.63
68.88%
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3,498.98
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266.50
26.67
11.12%
Japan Post Bank Co Corporate Events
Japan Post Bank Completes ¥30 Billion Share Repurchase Program
Mar 4, 2026
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 2,45...
Japan Post Bank Updates Nine-Month Results and Revises Earnings, Dividend Outlook
Feb 13, 2026
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 commissi...
Japan Post Bank Lifts Profit, Ups Full-Year Outlook and Dividend
Feb 13, 2026
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,...
Japan Post Bank Lifts FY2026 Profit Outlook and Year-End Dividend
Feb 13, 2026
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 fu...
Japan Post Bank Updates Financial Metrics and Revises Earnings and Dividend Outlook
Feb 13, 2026
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 ba...
Japan Post Bank Lifts Earnings and Dividend Outlook on Strong Nine-Month Results
Feb 13, 2026
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 t...
Japan Post Bank Lifts FY2026 Earnings Outlook and Hikes Year-end Dividend
Feb 13, 2026
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 u...
Japan Post Bank Advances Share Buyback, Repurchasing Over 10 Million Shares
Feb 6, 2026
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 tran...
Japan Post Bank Books ¥3.65 Trillion in Unrealized Securities Losses, Keeps Forecasts Intact
Jan 30, 2026
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 ¥...
Japan Post Bank to Create Integrated Asset Manager via Merger of JP Asset Management and Japan Post Investment
Jan 28, 2026
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 Jap...
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.