Japan Post Bank Co (7182) AI Stock Analysis

• Market Cap: $6.10T
• Dividend Yield: 3.4%
• Average Volume (3M): 6.74M
• Price to Earnings (P/E): 14.6
• Beta (1Y): 0.85
• 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: 6,923,130
• 30 Day Avg. Volume: 6,740,789
• 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: -5.14
• Enterprise Value/Revenue: -19.03
• Enterprise Value/Gross Profit: -17.98
• Enterprise Value/Ebitda: -611.79
• 1Y Price Target: $2,460.54
• Price Target Upside: 44.14% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: ¥1,870.00 ▲(9.55% Upside)

Japan Post Bank Co's overall score is driven by strong financial performance and fair valuation. However, technical analysis indicates bearish momentum, which weighs down the score. The absence of recent earnings call data and corporate events means these factors do not influence the score.

Japan Post Bank Co Business Overview & Revenue Model

Company Description

Japan Post Bank Co., Ltd. (7182) is a leading financial institution in Japan, primarily engaged in providing a wide range of banking and financial services. As a subsidiary of Japan Post Holdings Co., Ltd., the bank operates an extensive network of branches and ATMs across the country, offering services such as savings accounts, time deposits, and investment products. Japan Post Bank plays a significant role in the Japanese banking sector, catering to individual and corporate clients with a focus on customer trust and financial stability.

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	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: Negative
• Last Price: 1707.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7182, the sentiment is Negative. The current price of 1707 is below the 20-day moving average (MA) of 1767.50, below the 50-day MA of 1812.43, and above the 200-day MA of 1583.92, indicating a neutral trend. The MACD of -34.82 indicates Positive momentum. The RSI at 27.34 is Positive, neither overbought nor oversold. The STOCH value of 17.87 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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
8309	72 Outperform	$2.92T	10.51	9.20%	3.80%	19.13%	160.69%
7186	72 Outperform	$1.26T	14.50	6.86%	3.00%	13.73%	28.01%
8411	70 Outperform	$11.83T	13.55	8.69%	2.89%	-1.99%	23.19%
8308	68 Neutral	$3.36T	14.71	8.46%	1.92%	14.71%	29.60%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
6178	64 Neutral	$4.23T	11.88	3.83%	3.49%	-2.48%	12.18%
7182	61 Neutral	$6.10T	14.55	4.73%	3.40%	-14.57%	16.03%

Japan Post Bank Co Corporate Events

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.

Japan Post Bank Reports Unrealized Losses with No Impact on Forecast

Japan Post Bank Co., Ltd. reported unrealized losses on securities amounting to 2,259,194 million yen for the three months ended June 30, 2025. Despite these losses, the company stated that there will be no impact on its consolidated earnings forecast and annual dividends for the fiscal year ending March 31, 2026, indicating stability in its financial outlook.

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.