Japan Post Bank Co Ltd (JP:7182)
:7182
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Japan Post Bank Co
(7182)
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Rating:62Neutral
Price Target:
¥3,385.00
▲(23.92% Upside)
Action:Reiterated
Date:05/16/26
The score is primarily held back by financial quality concerns—persistent negative operating/free cash flow since 2023 and mixed leverage signals—despite improving revenue and net income. Technicals are supportive (price above key moving averages with positive MACD), and valuation is reasonable with a moderate dividend yield, which partially offsets the financial risks.
Positive Factors
Nationwide distribution
Japan Post Bank’s exclusive access to the Japan Post post‑office network is a durable competitive asset. It provides low‑cost, nationwide customer reach for deposit gathering and cross‑selling of investment and insurance products, supporting stable retail funding and recurring fee income over multiple quarters.
Negative Factors
Persistent negative cash flow
Persistent negative operating and free cash flow across multiple years reduces financial flexibility and increases reliance on external funding or balance‑sheet actions. Over a 2–6 month horizon this constrains capital deployment, raises refinancing sensitivity and limits cushion for stress scenarios.
Read all positive and negative factors
Positive Factors
Negative Factors
Nationwide distribution
Japan Post Bank’s exclusive access to the Japan Post post‑office network is a durable competitive asset. It provides low‑cost, nationwide customer reach for deposit gathering and cross‑selling of investment and insurance products, supporting stable retail funding and recurring fee income over multiple quarters.
Read all positive factors
Japan Post Bank Co (7182) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥10.58T
Dividend Yield2.73%
Average Volume (3M)6.89M
Price to Earnings (P/E)20.8
Beta (1Y)0.99
Revenue Growth26.25%
EPS Growth28.43%
CountryJP
Employees11,419
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)117.30
Shares Outstanding3,575,878,700
10 Day Avg. Volume7,248,330
30 Day Avg. Volume6,891,246
Financial Highlights & Ratios
PEG Ratio0.60
Price to Book (P/B)0.98
Price to Sales (P/S)3.22
P/FCF Ratio-12.85
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥3,250.00Price Target Upside18.98% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)184.35
Revenue Forecast (FY)¥1.76T
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 from (1) net interest income generated by investing customer deposits and other funds into a portfolio of financial assets, and (2) fee and commission income from a range of banking and agency services.
1) Ne...
Japan Post Bank Co Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
33
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.48T | 2.79T | 2.41T | 2.29T | 2.04T | 1.81T |
| Gross Profit | 1.65T | 1.80T | 1.60T | 1.59T | 1.59T | 1.58T |
| EBITDA | 600.37B | 809.91B | 629.92B | 536.74B | 488.61B | 534.29B |
| Net Income | 422.95B | 525.58B | 414.32B | 356.13B | 325.07B | 355.07B |
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 | 60.57T | 64.64T | 57.72T | 68.22T | 66.67T |
| Total Debt | 28.47T | 27.77T | 2.51T | 1.98T | 1.63T | 5.60T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 8.99T | 9.21T | 9.04T | 9.67T | 9.62T | 10.27T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -700.21B | -1.02T | -3.78T | -4.54T | 7.62T |
| Operating Cash Flow | 0.00 | -691.77B | -995.96B | -3.75T | -4.50T | 7.67T |
| Investing Cash Flow | 0.00 | -965.53B | 6.99T | -11.80T | 6.34T | -1.59T |
| Financing Cash Flow | 0.00 | -8.39T | 538.13B | 4.18T | -286.04B | -181.66B |
Japan Post Bank Co Technical Analysis
Positive
2731.50
Price Trends
2736.10
Positive
2682.10
Positive
2234.01
Positive
Market Momentum
97.27
Negative
61.37
Neutral
45.64
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 2731.5 is below the 20-day moving average (MA) of 2913.93, below the 50-day MA of 2736.10, and above the 200-day MA of 2234.01, indicating a bullish trend. The MACD of 97.27 indicates Negative momentum. The RSI at 61.37 is Neutral, neither overbought nor oversold. The STOCH value of 45.64 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥17.23T | 14.07 | 9.14% | 2.38% | -0.74% | 43.85% | |
69 Neutral | ¥4.69T | 17.63 | 8.37% | 1.80% | 16.13% | 23.10% | |
69 Neutral | ¥1.83T | 17.00 | 7.83% | 2.54% | 23.44% | 31.25% | |
68 Neutral | ¥3.87T | 11.95 | 9.31% | 3.31% | 0.67% | 25.79% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ¥10.58T | 20.82 | 5.28% | 2.73% | 26.25% | 28.43% | |
58 Neutral | ¥263.32B | 22.98 | ― | 3.66% | 2.57% | -20.63% |
* Financial Sector Average
JP:7182
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Japan Post Bank Co Corporate Events
Japan Post Bank Injects ¥375.9 Million into Management Stock Ownership Plan
May 15, 2026
Japan Post Bank has approved an additional monetary contribution to its Employee Stock Ownership Plan for management staff in its Investment Division, reinforcing its long-running stock-based incentive framework. The move is designed to secure suf...
Japan Post Bank Enhances Shareholder Benefits to Reward Long-Term Investors
May 15, 2026
Japan Post Bank has decided to enhance its shareholder benefit program to further reward long-term investors and encourage continued shareholding. The bank originally introduced the program in 2022 to express gratitude to shareholders, improve the...
Japan Post Bank Lifts Year-end Dividend and Signals Further Payout Increase for 2027
May 15, 2026
Japan Post Bank has approved a year-end dividend of JPY 74 per share for the fiscal year ended March 31, 2026, up from the previous year’s JPY 58 and above its latest forecast, after net income attributable to owners of the parent rose to JP...
Japan Post Bank Profit Rises on Higher Securities Income in FY2026
May 15, 2026
Japan Post Bank reported a solid year-on-year increase in both consolidated and non-consolidated ordinary income for the fiscal year ended March 31, 2026, compared with the prior year. The bank also achieved a notable 30.4% rise in non-consolidate...
Japan Post Bank Outlines FY2027 Outlook and Detailed FY2026 Financial Metrics
May 15, 2026
Japan Post Bank has released selected financial information and forecasts for the fiscal year ending March 31, 2027, along with financial highlights for the year ended March 31, 2026. The disclosure outlines consolidated earnings and dividends for...
Japan Post Bank Posts Strong Profit Growth and Hikes Dividend, Signals Further Gains Ahead
May 15, 2026
Japan Post Bank reported a strong improvement in earnings for the fiscal year ended March 31, 2026, with ordinary income rising 13.0% to ¥2.85 trillion and net ordinary income climbing 29.8% to ¥759.2 billion. Net income attributable to ...
Japan Post Bank Sets New Medium-Term Plan Aiming for ¥1 Trillion Profit by FY2028
May 15, 2026
Japan Post Bank has unveiled a new medium-term management plan for fiscal years 2026 to 2028, marking the first step toward its 15-year vision of becoming Japan’s leading comprehensive financial platform and a leading global market player. B...
Japan Post Bank Flags Large Unrealized Securities Losses But Keeps Earnings Outlook Intact
Apr 23, 2026
Japan Post Bank has reported unrealized losses of ¥4,315.5 billion on its portfolio of held-to-maturity securities listed on Japanese exchanges as of March 31, 2026, against a book value of about ¥30.9 trillion and a market value of ...
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...
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.