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Lifenet Insurance Company
(7157)
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Rating:65Neutral
Price Target:
¥1,618.00
▼(-17.45% Downside)
Action:Downgraded
Date:08/17/26
The score is primarily supported by strong financial performance (profitable turnaround, low leverage, and positive free cash flow). This is meaningfully offset by weak technicals, with the stock trading below all key moving averages and bearish momentum signals. Valuation is moderate based on the provided P/E, with no dividend yield data available to add support.
Positive Factors
Profitability Turnaround
The sustained move into profitability improves internal funding capacity and demonstrates stronger operating execution. FY2026’s high net margin provides a durable earnings base, although the earlier losses indicate that performance should still be monitored.
Negative Factors
Historical Earnings Volatility
The history of revenue contraction and prior losses makes future earnings less predictable than those of mature peers. Although the recovery is substantial, recurring performance may remain sensitive to execution, customer acquisition, and insurance-market conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Turnaround
The sustained move into profitability improves internal funding capacity and demonstrates stronger operating execution. FY2026’s high net margin provides a durable earnings base, although the earlier losses indicate that performance should still be monitored.
Read all positive factors
Lifenet Insurance Company (7157) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥120.96B
Dividend YieldN/A
Average Volume (3M)218.47K
Price to Earnings (P/E)15.8
Beta (1Y)0.68
Revenue Growth12.32%
EPS Growth19.35%
CountryJP
Employees242
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Life
Share Statistics
EPS (TTM)93.37
Shares Outstanding80,370,964
10 Day Avg. Volume188,880
30 Day Avg. Volume218,470
Financial Highlights & Ratios
PEG Ratio0.59
Price to Book (P/B)1.69
Price to Sales (P/S)4.53
P/FCF Ratio20.21
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)102.1
Revenue Forecast (FY)¥37.60B
Lifenet Insurance Company Business Overview & Revenue Model
Company Description
Lifenet Insurance Company, based in Tokyo, Japan, offers a range of life insurance products and related services to customers across the country. Their diverse portfolio includes term life, comprehensive whole life medical coverage, cancer policie...
How the Company Makes Money
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Lifenet Insurance Company Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
80
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 36.56B | 35.64B | 31.05B | 25.15B | 21.02B | 21.53B |
| Gross Profit | 29.56B | 35.64B | 31.05B | 25.15B | 14.49B | 17.27B |
| EBITDA | 10.65B | 12.48B | 10.14B | 8.88B | 5.90B | -2.92B |
| Net Income | 7.50B | 8.04B | 5.99B | 5.73B | 3.56B | -3.32B |
Balance Sheet | ||||||
| Total Assets | 120.17B | 121.83B | 116.18B | 112.42B | 68.60B | 67.82B |
| Cash, Cash Equivalents and Short-Term Investments | 12.81B | 13.60B | 17.23B | 24.42B | 5.72B | 3.76B |
| Total Debt | 942.00M | 1.01B | 1.29B | 219.00M | 115.00M | 7.00M |
| Total Liabilities | 25.48B | 26.23B | 24.06B | 21.54B | 53.03B | 45.75B |
| Stockholders Equity | 94.68B | 95.60B | 92.11B | 90.87B | 75.69B | 22.07B |
Cash Flow | ||||||
| Free Cash Flow | 2.13B | 7.99B | 6.10B | 5.23B | 2.12B | 2.27B |
| Operating Cash Flow | 2.35B | 8.82B | 7.28B | 6.02B | 2.68B | 2.78B |
| Investing Cash Flow | -4.03B | -12.18B | -14.29B | -3.44B | 763.00M | -7.75B |
| Financing Cash Flow | -70.50M | -282.00M | -164.00M | 9.68B | -109.00M | 9.67B |
Lifenet Insurance Company Technical Analysis
Negative
1960.00
Price Trends
1617.40
Negative
1761.68
Negative
1885.90
Negative
Market Momentum
-46.71
Positive
40.78
Neutral
57.36
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7157, the sentiment is Negative. The current price of 1960 is above the 20-day moving average (MA) of 1582.80, above the 50-day MA of 1617.40, and above the 200-day MA of 1885.90, indicating a bearish trend. The MACD of -46.71 indicates Positive momentum. The RSI at 40.78 is Neutral, neither overbought nor oversold. The STOCH value of 57.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7157.
Lifenet Insurance Company Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ¥6.57T | 11.92 | 11.07% | 2.83% | 16.92% | 66.45% | |
67 Neutral | ¥2.33T | 16.31 | 9.01% | 2.55% | 6.25% | 17.99% | |
67 Neutral | ¥49.63B | 11.09 | 4.89% | 4.00% | 11.61% | 62.61% | |
65 Neutral | ¥120.96B | 15.79 | ― | ― | 12.32% | 19.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
50 Neutral | ¥1.79T | 10.88 | ― | 2.44% | -5.90% | 27.69% | |
48 Neutral | ¥3.98B | 34.86 | -0.66% | ― | 8.00% | -55.19% |
* General Sector Average
JP:7157
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Lifenet Insurance Company Corporate Events
Lifenet Insurance Lifts In‑Force Premiums as Policy Base Tops 700,000
Aug 12, 2026
Lifenet Insurance Company reported that the annualized premium of policies in force reached 37,979 million yen at the end of July 2026, up 7 percent from a year earlier. Individual insurance contributed 29,307 million yen, while group credit life ...
Lifenet Insurance Grows Premium Base but Q1 Profit Slips on Higher Claims
Aug 12, 2026
Lifenet Insurance Company reported solid expansion in its insurance portfolio for the first quarter of fiscal 2026, with annualized premium of policies-in-force rising to 37.81 billion yen, up 7.4% year on year. Individual life insurance drove gro...
Lifenet Insurance Issues Restricted Shares to Align Executive Pay with Long-Term Value
Jul 15, 2026
Lifenet Insurance Company, a Tokyo-based life insurer listed on the TSE Prime market, provides life insurance products to Japanese consumers and emphasizes shareholder alignment and long-term value creation in its corporate governance. The company...
Lifenet Insurance Boosts Annualized Premiums and Policy Count in June 2026
Jul 9, 2026
Lifenet Insurance Company reported that the annualized premium of policies-in-force reached 37,789 million yen at the end of June 2026, representing 107% of the level recorded a year earlier. Individual insurance contributed 29,177 million yen and...
Lifenet Reshapes Strategic Alliances as Japan Airlines Replaces KDDI Group as Key Partner
Jun 21, 2026
Lifenet Insurance Company has clarified that au Financial Holdings and its parent KDDI, which each held an 18.33% voting stake through direct and indirect ownership, ceased to be its other associated companies as of March 31, 2026, and that the in...
Japan Airlines Becomes Major Shareholder in Lifenet Insurance After Share Transfer
Jun 18, 2026
Lifenet Insurance Company has completed the transfer of all its common shares previously held by au Financial Holdings Corporation to Japan Airlines Co., Ltd., following regulatory approval for JAL to become a major shareholder. The deal gives JAL...
Lifenet Insurance Grows Policies-in-Force Premiums 8% in May 2026
Jun 9, 2026
Lifenet Insurance Company reported that the annualized premium of policies-in-force reached 37,594 million yen at the end of May 2026, up 8% from a year earlier, underscoring steady portfolio growth in its core life insurance lines. Individual ins...
Lifenet to Exit Lifenet MIRAI Joint Venture and Reshape SMBC Alliance
May 29, 2026
Lifenet Insurance Company will transfer all of its 41,000 shares in Lifenet MIRAI Inc., an internet insurance agency joint venture with MILIZE Inc., via a treasury stock buyback by Lifenet MIRAI, ending its 91.1% ownership and removing the unit fr...
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.