Japan Post Bank Co (7182) AI Stock Analysis

• Market Cap: $6.22T
• Dividend Yield: 3.3%
• Average Volume (3M): 6.89M
• Price to Earnings (P/E): 14.8
• Beta (1Y): 0.88
• Revenue Growth: -14.57%
• EPS Growth: 16.03%
• Country: JP
• Employees: 11,419
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 35.00
• 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: 1.20
• Enterprise Value/Market Cap: -5.04
• Enterprise Value/Revenue: -19.03
• Enterprise Value/Gross Profit: -17.98
• Enterprise Value/Ebitda: -611.79
• 1Y Price Target: $2,469.57
• Price Target Upside: 40.60% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: ¥1,875.00 ▲(6.75% Upside)

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.

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 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	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	1.61T	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: 1756.50
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 1756.5 is above the 20-day moving average (MA) of 1722.80, below the 50-day MA of 1791.18, and above the 200-day MA of 1604.00, indicating a neutral trend. The MACD of -7.80 indicates Negative momentum. The RSI at 52.41 is Neutral, neither overbought nor oversold. The STOCH value of 80.21 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
8411	77 Outperform	$12.72T	14.57	8.69%	2.72%	-1.99%	23.19%
8309	72 Outperform	$3.01T	10.82	9.20%	3.68%	19.13%	160.69%
7186	72 Outperform	$1.28T	14.79	6.86%	2.95%	13.73%	28.01%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7182	67 Neutral	$6.22T	14.83	4.73%	3.30%	-14.57%	16.03%
6178	64 Neutral	¥4.21T	11.85	3.83%	3.50%	-2.48%	12.18%
8308	61 Neutral	$3.49T	15.28	8.46%	1.84%	14.71%	29.60%

Japan Post Bank Co Corporate Events

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.

Japan Post Bank Reports Strong Q1 2025 Financial Results

Japan Post Bank Co., Ltd. reported its consolidated financial results for the quarter ending June 30, 2025, showing a significant increase in ordinary income and net income attributable to owners of the parent compared to the previous year. The bank’s financial performance indicates a positive trajectory in its operations, with a forecasted increase in dividends per share and stable financial conditions, which could enhance its market positioning and provide favorable implications for its stakeholders.

The most recent analyst rating on (JP:7182) stock is a Hold with a Yen1650.00 price target. To see the full list of analyst forecasts on Japan Post Bank Co stock, see the JP:7182 Stock Forecast page.