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Japan Post Bank Co
(7182)
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Rating:58Neutral
Price Target:
¥3,406.00
▲(5.03% Upside)
Action:Reiterated
Date:08/17/26
The score is primarily held back by financial performance risks—persistent negative operating/free cash flow since 2023 and mixed leverage signals with a notable debt increase in 2026—despite improving revenue and net income. Technicals are mildly supportive with the stock above key moving averages, but momentum indicators are neutral-to-soft (negative MACD). Valuation is average, with a moderate P/E and a modest dividend yield.
Positive Factors
Accelerating Revenue Growth
Improving revenue growth indicates stronger business activity and earnings capacity. If sustained, it can support scale benefits and help offset funding-cost pressure, while demonstrating that the bank’s broad retail franchise remains commercially relevant.
Negative Factors
Persistent Negative Operating and Free Cash Flow
Persistent negative cash-flow measures reduce financial flexibility and may increase reliance on funding or balance-sheet actions. Although bank cash flows can fluctuate with asset and liability movements, the multi-year deterioration remains a structural monitoring concern.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating Revenue Growth
Improving revenue growth indicates stronger business activity and earnings capacity. If sustained, it can support scale benefits and help offset funding-cost pressure, while demonstrating that the bank’s broad retail franchise remains commercially relevant.
Read all positive factors
Japan Post Bank Co (7182) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥11.59T
Dividend Yield2.24%
Average Volume (3M)6.89M
Price to Earnings (P/E)19.7
Beta (1Y)1.14
Revenue Growth39.22%
EPS Growth43.01%
CountryJP
Employees10,771
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)167.73
Shares Outstanding3,575,878,700
10 Day Avg. Volume7,248,330
30 Day Avg. Volume6,891,246
Financial Highlights & Ratios
PEG Ratio0.60
Price to Book (P/B)0.98
Price to Sales (P/S)3.22
P/FCF Ratio-12.85
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥3,686.67Price Target Upside13.68% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)188.67
Revenue Forecast (FY)¥1.78T
Japan Post Bank Co Business Overview & Revenue Model
Company Description
JAPAN POST BANK Co., Ltd. delivers a broad spectrum of financial products and services to retail and corporate clients, both domestically in Japan and internationally. The bank provides diverse deposit accounts, including demand deposits like tran...
How the Company Makes Money
Japan Post Bank primarily earns money from (1) net interest income generated by investing customer deposits and other funds into a portfolio of financial assets, and (2) fee and commission income from a range of banking and agency services.
1) Ne...
Japan Post Bank Co Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
33
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.95T | 2.79T | 2.41T | 2.29T | 2.04T | 1.81T |
| Gross Profit | 1.92T | 1.80T | 1.60T | 1.59T | 1.59T | 1.58T |
| EBITDA | 858.03B | 809.91B | 629.92B | 536.74B | 488.61B | 534.29B |
| Net Income | 598.29B | 525.58B | 414.32B | 356.13B | 325.07B | 355.07B |
Balance Sheet | ||||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 54.98T | 60.57T | 64.64T | 57.72T | 68.22T | 66.67T |
| Total Debt | 22.52T | 27.77T | 2.51T | 1.98T | 1.63T | 5.60T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 9.24T | 9.21T | 9.04T | 9.67T | 9.62T | 10.27T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -700.21B | -1.02T | -3.78T | -4.54T | 7.62T |
| Operating Cash Flow | 0.00 | -691.77B | -995.96B | -3.75T | -4.50T | 7.67T |
| Investing Cash Flow | 0.00 | -965.53B | 6.99T | -11.80T | 6.34T | -1.59T |
| Financing Cash Flow | 0.00 | -8.39T | 538.13B | 4.18T | -286.04B | -181.66B |
Japan Post Bank Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥2.19T | 19.31 | 7.77% | 1.97% | 21.41% | 30.81% | |
68 Neutral | ¥20.27T | 14.90 | 11.34% | 1.68% | 5.93% | 59.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥5.63T | 20.78 | 9.00% | 1.23% | 17.19% | 19.44% | |
65 Neutral | ¥4.89T | 13.31 | 9.57% | 2.69% | 5.33% | 33.82% | |
65 Neutral | ¥329.68B | 23.46 | ― | 3.66% | 3.36% | -6.47% | |
58 Neutral | ¥11.59T | 19.72 | 5.71% | 2.17% | 39.22% | 43.01% |
* Financial Sector Average
JP:7182
Japan Post Bank Co
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Japan Post Bank Co Corporate Events
Japan Post Bank Releases Detailed Q1 FY2026 Financial Metrics
Aug 7, 2026
Japan Post Bank Co. is a leading Japanese banking group engaged in retail and institutional financial services, particularly deposits and asset management, supported by 19 consolidated subsidiaries and equity-method affiliates in ATM and related s...
Japan Post Bank Posts Strong Q1 Earnings and Confirms Full-Year Outlook
Aug 7, 2026
Japan Post Bank reported strong results for the quarter ended June 30, 2026, with ordinary income rising 27.1% year-on-year to ¥848.2 billion and net ordinary income jumping 64.7% to ¥253.5 billion. Net income attributable to owners of t...
Japan Post Bank Logs Large Unrealized Securities Losses but Keeps Outlook
Jul 24, 2026
Japan Post Bank reported unrealized losses of ¥4,942.4 billion on its held-to-maturity securities for the three months ended June 30, 2026, reflecting a decline in market value relative to book value. These losses are large compared with prio...
Japan Post Bank Details Deep Integration With Parent Japan Post Holdings
Jun 19, 2026
Japan Post Bank Co., Ltd., the sole banking arm of the Japan Post Group and a Prime Market-listed institution, operates under the significant influence of its parent, Japan Post Holdings Co., Ltd., which owns 49.88% of its voting rights. The bank ...
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.