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Japan Post Bank Co Ltd (JP:7182)
:7182

Japan Post Bank Co (7182) AI Stock Analysis

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JP:7182

Japan Post Bank Co

(7182)

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Neutral 63 (OpenAI - 5.2)
Rating:63Neutral
Price Target:
¥3,290.00
▲(7.48% 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
Distribution network / retail franchise
A nationwide branch and ATM network provides durable deposit-gathering scale and low-cost customer access. This structural distribution advantage supports persistent retail deposit inflows, stabilizes funding, and underpins the bank's ability to intermediate deposits into investment assets over the medium term.
Low leverage and solid equity base
Low leverage and a healthy equity ratio reduce solvency and refinancing risk, giving the bank financial flexibility to absorb shocks, maintain lending/investment activity, and meet regulatory requirements. This balance-sheet strength supports sustainable operations and strategic optionality over months to years.
Consistent profitability and revenue growth
Sustained revenue growth and robust net margins reflect repeatable earnings power from deposit intermediation and fee businesses. Consistent profitability improves retained earnings capacity, funds investment activities, and supports stable dividends and capital deployment over multiple quarters.
Negative Factors
Declining stockholders' equity
A recent decline in equity erodes the bank's loss-absorbing capital and could constrain future lending or investment growth. Over a multi-quarter horizon this reduces capital buffer, may affect regulatory ratios, and could force capital-raising or dividend trade-offs if the trend persists.
Volatility in free cash flow
Variable free cash flow complicates capital allocation and makes funding of investments, dividends, or buybacks less predictable. For a bank that invests large deposit volumes, FCF volatility can signal timing risks in securities sales or reinvestment and strain liquidity planning over several quarters.
Interest-rate and investment portfolio sensitivity
Earnings rely heavily on deploying deposit funds into bonds and securities, so shifts in rates or adverse valuation moves can compress net interest margins or trigger losses. This structural sensitivity means macro rate moves can materially alter profitability across 2-6 month horizons.

Japan Post Bank Co (7182) vs. iShares MSCI Japan ETF (EWJ)

Japan Post Bank Co Business Overview & Revenue Model

Company DescriptionJAPAN 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 MoneyJapan 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
Fundamentals are solid: strong income statement profitability and revenue growth (Income Statement Score 74) supported by low leverage and a stable equity base (Balance Sheet Score 68). The main offsets are declining stockholders’ equity and volatility in free cash flow (Cash Flow Score 65), which temper the overall financial strength.
Income Statement
74
Positive
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
68
Positive
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
65
Positive
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.
BreakdownTTMMar 2026Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue1.65T2.49T2.62T2.04T1.95T1.92T
Gross Profit1.74T1.68T1.92T1.58T1.72T1.68T
EBITDA51.26B629.92B536.74B488.61B534.29B427.69B
Net Income422.95B414.32B356.13B325.07B355.07B280.13B
Balance Sheet
Total Assets10.00T>10.00T>10.00T>10.00T>10.00T>10.00T>
Cash, Cash Equivalents and Short-Term Investments0.0064.64T57.72T68.22T66.67T60.77T
Total Debt28.47T31.50T28.40T21.89T26.58T20.31T
Total Liabilities10.00T>10.00T>10.00T>10.00T>10.00T>10.00T>
Stockholders Equity8.99T9.04T9.67T9.62T10.27T11.37T
Cash Flow
Free Cash Flow0.00-1.02T-3.78T-4.54T7.62T9.39T
Operating Cash Flow0.00-995.96B-3.75T-4.50T7.67T9.43T
Investing Cash Flow0.006.99T-11.80T6.34T-1.59T-247.98B
Financing Cash Flow0.00538.13B4.18T-286.04B-181.66B-79.14B

Japan Post Bank Co Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3061.00
Price Trends
50DMA
2593.56
Positive
100DMA
2204.32
Positive
200DMA
1940.40
Positive
Market Momentum
MACD
127.17
Positive
RSI
62.84
Neutral
STOCH
36.45
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 3061 is above the 20-day moving average (MA) of 2975.50, above the 50-day MA of 2593.56, and above the 200-day MA of 1940.40, indicating a bullish trend. The MACD of 127.17 indicates Positive momentum. The RSI at 62.84 is Neutral, neither overbought nor oversold. The STOCH value of 36.45 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
71
Outperform
¥3.85T12.979.00%3.31%16.24%78.76%
71
Outperform
$17.77T16.989.14%2.38%-3.62%23.01%
70
Neutral
¥293.67B27.263.66%3.30%79.42%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
64
Neutral
¥1.93T18.316.87%2.54%19.38%29.95%
63
Neutral
¥10.94T22.674.49%2.73%2.17%9.55%
63
Neutral
¥4.40T16.398.37%1.80%8.28%28.63%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7182
Japan Post Bank Co
3,061.00
1,601.85
109.78%
JP:8308
Resona Holdings
1,910.50
752.77
65.02%
JP:7186
Concordia Financial Group
1,690.00
820.32
94.32%
JP:8309
Sumitomo Mitsui Holdings
5,483.00
1,757.24
47.16%
JP:8411
Mizuho Financial Group
7,151.00
3,037.61
73.85%
JP:8410
Seven Bank, Ltd.
300.90
16.01
5.62%

Japan Post Bank Co Corporate Events

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 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 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 ¥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 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 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 Launches New ¥15 Billion Market Share Buyback
Dec 24, 2025

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
Dec 24, 2025

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
Dec 23, 2025

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
Dec 23, 2025

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
Nov 14, 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.

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.Date of analysis: Feb 13, 2026