Japan Post Bank Co (7182) AI Stock Analysis

• Market Cap: $5.88T
• Dividend Yield: 3.53%
• Average Volume (3M): 6.88M
• Price to Earnings (P/E): 14.3
• Beta (1Y): 0.79
• Revenue Growth: -15.25%
• EPS Growth: 16.43%
• Country: JP
• Employees: 11,419
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 35.00
• Shares Outstanding: 3,575,878,700
• 10 Day Avg. Volume: 6,956,380
• 30 Day Avg. Volume: 6,875,386
• PEG Ratio: 4.22
• Price to Book (P/B): 0.64
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: $1,855.04
• Price Target Upside: 12.80% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 74 Outperform
• Price Target: ¥1,798.00 ▲(9.33%Upside)

Japan Post Bank Co's stock is supported by strong financial performance and robust technical indicators, with an attractive valuation enhancing its appeal. While cash flow shows some volatility, the overall financial health remains solid, making it a strong contender in the regional banking sector.

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 Co. makes money primarily through interest income generated from its extensive portfolio of loans and investments. The bank's revenue model is heavily reliant on the spread between the interest it earns on its assets, such as government bonds and corporate loans, and the interest it pays on customer deposits. Additionally, the bank generates non-interest income from fees and commissions related to investment products, payment services, and foreign exchange transactions. Strategic partnerships with other financial institutions and corporations also contribute to its earnings by expanding its product offerings and customer base.

Japan Post Bank Co Financial Statement Overview

Summary

Japan Post Bank Co shows a strong income statement with consistent revenue growth and profitability. The balance sheet is stable with low leverage, though there is a decline in stockholders' equity. Cash flow management is efficient despite some volatility, highlighting solid financial health.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	2.49T	2.62T	2.04T	1.95T	1.92T
Gross Profit	1.68T	1.92T	1.58T	1.72T	1.68T
EBITDA	111.12B	536.74B	488.61B	534.29B	427.69B
Net Income	414.32B	356.13B	325.07B	355.07B	280.13B
Balance Sheet
Total Assets	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Cash, Cash Equivalents and Short-Term Investments	64.64T	57.72T	68.22T	66.67T	60.77T
Total Debt	2.51T	28.40T	21.89T	7.12T	3.92T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	9.04T	9.67T	9.62T	10.27T	11.37T
Cash Flow
Free Cash Flow	4.54T	18.09B	-4.54T	7.62T	9.39T
Operating Cash Flow	4.60T	81.04B	-4.50T	7.67T	9.43T
Investing Cash Flow	2.53T	-10.28T	6.34T	-1.59T	-247.98B
Financing Cash Flow	-208.09B	-236.64B	-286.04B	-181.66B	-79.14B

Japan Post Bank Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1644.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 1644.5 is above the 20-day moving average (MA) of 1581.42, above the 50-day MA of 1544.26, and above the 200-day MA of 1458.07, indicating a bullish trend. The MACD of 28.65 indicates Negative momentum. The RSI at 73.06 is Negative, neither overbought nor oversold. The STOCH value of 90.22 is Negative, 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
7182	74 Outperform	$5.88T	14.35	4.38%	3.53%	-15.25%	16.43%
Sector *	67 Neutral	¥722.67B	10.84	7.55%	3.37%	7.81%	14.63%
RSNHF	―	$20.15B	14.32	7.67%	0.22%	―	―
CCRDF	―	$7.40B	13.65	6.37%	0.31%	―	―
CMTDF	―	$18.61B	11.87	8.20%	0.13%	―	―
JPHLF	―	$27.19B	11.64	3.78%	3.70%	―	―
MZHOF	―	$70.15B	12.09	8.45%	4.20%	―	―

Japan Post Bank Co Corporate Events

Japan Post Bank Announces Executive Changes and Shareholder Structure Update

Japan Post Bank Co., Ltd. announced changes in its controlling shareholder structure and executive roles within the Japan Post Group. The bank’s parent company, Japan Post Holdings Co., Ltd., maintains a 50.05% voting rights stake, positioning the bank as a key entity within the group. The announcement includes upcoming retirements and appointments of key executives, which are expected to influence the bank’s strategic direction and operations.

The most recent analyst rating on (JP:7182) stock is a Buy with a Yen1840.00 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 Enhances Executive Compensation Trust

Japan Post Bank Co., Ltd. has announced an additional monetary contribution to its Board Benefit Trust, a stock compensation system for executive officers. This move is aimed at acquiring necessary shares to fund the trust, which benefits retired executive officers, and reflects the bank’s ongoing commitment to its compensation system.

The most recent analyst rating on (JP:7182) stock is a Buy with a Yen1840.00 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 Enhances Employee Stock Ownership Plan

Japan Post Bank Co., Ltd. announced an additional monetary contribution to its Employee Stock Ownership Plan (J-ESOP) to ensure the trust has sufficient funds to acquire shares for management employees. This move underscores the bank’s commitment to its employees and aims to align their interests with the company’s performance, potentially enhancing employee motivation and retention.

The most recent analyst rating on (JP:7182) stock is a Buy with a Yen1840.00 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 Announces Executive Leadership Change

Japan Post Bank Co., Ltd. announced a preliminary decision to change its Representative Executive Officer, which will be finalized at the upcoming Annual General Meeting in June 2025. This change is part of a new executive system being established, with Kenji Ogata set to replace Susumu Tanaka as the Director and Representative Executive Vice President, potentially impacting the company’s strategic direction and leadership dynamics.

The most recent analyst rating on (JP:7182) stock is a Buy with a Yen1840.00 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 Announces Increased Dividends Amid Strong Financial Performance

Japan Post Bank Co., Ltd. announced a year-end dividend of JPY 58 per share for the fiscal year ended March 31, 2025, exceeding previous forecasts due to higher-than-expected net income. The bank plans to increase its dividend payout ratio to between 50% and 60% and forecasts an annual dividend of JPY 66 per share for the fiscal year ending March 31, 2026, reflecting its commitment to shareholder returns and financial stability.

The most recent analyst rating on (JP:7182) stock is a Buy with a Yen1840.00 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. Announces Financial Forecasts and Dividends Outlook for FY 2026

Japan Post Bank Co. has released its financial forecasts and dividends outlook for the fiscal year ending March 31, 2026. The announcement outlines the bank’s strategic financial planning and expected performance, highlighting its commitment to maintaining stable operations and delivering value to its stakeholders.

The most recent analyst rating on (JP:7182) stock is a Buy with a Yen1840.00 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 Mixed Financial Results with Positive Outlook

Japan Post Bank Co., Ltd. reported a decrease in ordinary income by 4.8% for the fiscal year ended March 31, 2025, but saw an increase in net ordinary income and net income attributable to owners of the parent by 17.8% and 16.3%, respectively. The company also announced a planned increase in dividends per share for the next fiscal year, reflecting a positive outlook despite the challenges faced in the past year. The inclusion of new companies in its consolidation scope and changes in accounting policies are expected to impact future financial results.

The most recent analyst rating on (JP:7182) stock is a Buy with a Yen1840.00 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 Concludes Major Share Repurchase and Cancellation

Japan Post Bank Co., Ltd. has completed a significant share repurchase program aimed at enhancing capital efficiency and shareholder returns. The company repurchased over 25 million shares for approximately 34.8 billion yen and plans to cancel over 28 million shares by the end of May 2025, reflecting a strategic move to optimize its capital structure and potentially impact its market positioning.

The most recent analyst rating on (JP:7182) stock is a Buy with a Yen1840.00 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 Offer Disaster Recovery Housing Loans

Japan Post Bank Co., Ltd. has announced the commencement of handling Housing Loans for Disaster Recovery in collaboration with the Japan Housing Finance Agency, starting May 7, 2025. This initiative aims to support individuals whose homes have been damaged or destroyed by disasters, although the impact on the bank’s business performance is expected to be minimal. The bank is committed to aiding the recovery of disaster-stricken areas through these efforts.