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Lifenet Insurance Company (7157.T)
JPY1,719.00
-13.00 (-0.75%)
JP JPX Financial Services Insurance - Life
Address
Kojimachi NK Building 102-0083
Tokyo, JP
Tokyo, JP
CEO
Junpei Yokozawa
Website
lifenet-seimei.co.jp
IPO
2012-03-15
ISIN JP3966660007
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 policies, and insurance against incapacity and disability. Notably, the company employs a direct-to-consumer model, selling its policies primarily through its online platform. Beyond core insurance provision, Lifenet also handles underwriting, provides asset management services, and operates as a business agency. Established in 2006, the company adopted its present name in April 2008, having previously been known as Net Life Planning Co., Ltd.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
JPY1,719.00
-13.00 (-0.75%)
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Volume Profile
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Liquidity & share structure
Average Volume
290.3K
Beta
0.44
Float Shares
57.90M
Free Float %
72.1%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.94% | +0.11% | -19.70% | -9.46% | -8.32% | -6.00% | -3.04% | +76.68% | +56.45% | +310.38% | +82.71% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1,719.00
DCF (Unlevered)
1,177.52
-31.5%
DCF (Levered)
2,229.17
+29.7%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
0% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
4.88
Safe zone
Piotroski F-Score
4 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
4 / 5
High
P/E Score
1 / 5
Low
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Life: +10.6%+14.8% ★ Q1'26: +12.6% (vs Q1'25)
-
EPS growth Insurance - Life: +13.4%+34.1% ★ Q1'26: +73.7% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Life: +31.7%+10.8% ★ Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Insurance - Life: +12.4%+32.0% ★ Q1'26: +28.0% (vs Q1'25)
-
ROIC Insurance - Life: +1.0%+9.7% ★ Q1'26: +8.7% (vs Q1'25)
-
Share dilution Insurance - Life: +0.4%0.0% Q1'26: -0.1% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×0.08× Q1'26: 0.10× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 4 Rev. Ana. 4 EPS Ana. |
Mar 2027 4 Rev. Ana. 3 EPS Ana. |
Mar 2028 4 Rev. Ana. 3 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
Mar 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
8.62B
est: 8.56B (+0.7%)
|
9.38B
est: 9.42B (-0.5%)
|
10.03B
est: 10.27B (-2.4%)
|
10.93B
est: 10.80B (+1.2%)
|
12.52B
est: 12.60B (-0.6%)
|
16.74B
est: 16.90B (-0.9%)
|
20.72B
est: 20.50B (+1.0%)
|
21.53B
est: 26.10B (-17.5%)
|
21.03B
est: 29.90B (-29.7%)
|
25.15B
est: 26.11B (-3.7%)
|
31.06B
est: 35.40B (-12.3%)
|
33.98B
33.32B – 34.64B
-4.0% YoY
|
36.62B
36.42B – 36.92B
+7.8% YoY
|
39.56B
39.35B – 40.09B
+8.0% YoY
|
41.40B
41.18B – 41.85B
+4.7% YoY
|
43.30B
43.07B – 43.77B
+4.6% YoY
|
| EBITDA |
-1.54B
est: 1.28B (-219.5%)
|
-478.00M
est: 1.41B (-133.8%)
|
-1.80B
est: 1.54B (-216.7%)
|
45.00M
est: 1.62B (-97.2%)
|
-1.48B
est: 1.89B (-178.3%)
|
-2.10B
est: 2.54B (-182.6%)
|
-2.75B
est: 3.08B (-189.2%)
|
-2.92B
est: 3.92B (-174.6%)
|
5.90B
est: 4.49B (+31.5%)
|
8.88B
est: 3.61B (+145.8%)
|
10.14B
est: 4.90B (+107.0%)
|
4.70B
4.61B – 4.79B
-4.0% YoY
|
5.07B
5.04B – 5.11B
+7.8% YoY
|
5.48B
5.45B – 5.55B
+8.0% YoY
|
5.73B
5.70B – 5.79B
+4.7% YoY
|
5.99B
5.96B – 6.06B
+4.6% YoY
|
| EBIT |
-1.54B
est: 1.08B (-241.7%)
|
-478.00M
est: 1.19B (-140.1%)
|
-2.04B
est: 1.30B (-256.7%)
|
-209.00M
est: 1.37B (-115.3%)
|
-1.73B
est: 1.59B (-208.5%)
|
-2.40B
est: 2.14B (-212.0%)
|
-3.11B
est: 2.59B (-219.8%)
|
-3.31B
est: 3.30B (-200.3%)
|
5.35B
est: 3.78B (+41.3%)
|
8.25B
est: 3.00B (+175.1%)
|
9.19B
est: 4.07B (+126.1%)
|
3.90B
3.83B – 3.98B
-4.0% YoY
|
4.21B
4.18B – 4.24B
+7.8% YoY
|
4.54B
4.52B – 4.61B
+8.0% YoY
|
4.76B
4.73B – 4.81B
+4.7% YoY
|
4.97B
4.95B – 5.03B
+4.6% YoY
|
| Net Income |
-1.62B
est: -2.49B (+34.7%)
|
-429.00M
est: -88.35M (-385.6%)
|
-1.89B
est: -1.76B (-7.4%)
|
-249.00M
est: -228.91M (-8.8%)
|
-1.74B
est: -2.35B (+26.3%)
|
-2.40B
est: -3.85B (+37.7%)
|
-3.11B
est: -3.71B (+16.1%)
|
-3.32B
est: -3.69B (+10.0%)
|
3.56B
est: -5.60B (+163.6%)
|
5.73B
est: 6.04B (-5.1%)
|
5.99B
est: 6.28B (-4.6%)
|
7.95B
7.87B – 8.11B
+26.5% YoY
|
7.91B
7.46B – 8.25B
-0.4% YoY
|
8.54B
8.15B – 8.78B
+8.0% YoY
|
8.80B
8.73B – 8.92B
+3.0% YoY
|
9.20B
9.13B – 9.33B
+4.5% YoY
|
| SGA |
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
-38.51
est: -30.97 (-24.4%)
|
-8.74
est: -1.10 (-694.5%)
|
-37.37
est: -21.91 (-70.6%)
|
-4.85
est: -2.85 (-70.2%)
|
-33.92
est: -29.32 (-15.7%)
|
-46.84
est: -47.93 (+2.3%)
|
-53.86
est: -46.20 (-16.6%)
|
-50.64
est: -45.92 (-10.3%)
|
51.10
est: -69.59 (+173.4%)
|
75.97
est: 74.96 (+1.3%)
|
74.63
est: 77.45 (-3.6%)
|
99.15
97.98 – 101.03
+28.0% YoY
|
96.91
92.83 – 102.67
-2.3% YoY
|
104.89
101.52 – 109.28
+8.2% YoY
|
109.50
108.73 – 111.05
+4.4% YoY
|
114.50
113.70 – 116.12
+4.6% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 4/5 | 1/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 2/5 | 5/5 | 4/5 | 1/5 | 2/5 |
| 2026-05-08 | B | 3/5 | 4/5 | 2/5 | 5/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-07 | B | 3/5 | 4/5 | 2/5 | 5/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-01 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 3/5 | 1/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 1/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
2.67B
OE per share TTM
33.23
Owner's Yield
1.97%
Maintenance CapEx ratio
1.37%
Maint CapEx / Avg PPE
1.6%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 50 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P International Small Cap ETF GWX | 0.08% | 707.7K | 0.40% |
| 2 | iShares Ageing Population UCITS ETF AGED.L | 0.05% | 482.6K | 0.40% |
| 3 | iShares MSCI Japan Small-Cap ETF SCJ | 0.05% | 123.8K | 0.50% |
| 4 | iShares MSCI Japan Small Cap UCITS ETF IDJP.L | 0.04% | 238.3K | 0.58% |
| 5 | Schwab International Small-Cap Equity ETF SCHC | 0.02% | 1.29M | 0.06% |
| 6 | iShares Currency Hedged MSCI EAFE Small-Cap ETF HSCZ | 0.02% | 38.9K | 0.83% |
| 7 | iShares MSCI EAFE Small-Cap ETF SCZ | 0.02% | 2.34M | 0.40% |
| 8 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.02% | 2.25M | 0.06% |
| 9 | iShares Core MSCI Japan IMI UCITS ETF IJPA.L | 0.01% | 855.7K | 0.12% |
| 10 | iShares Core MSCI Japan IMI UCITS ETF SJPE.AS | 0.01% | 14.3K | 0.17% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
50.92M
Shares Outstanding
80.34M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hiroki Ito | Executive Officer of Direct Bus. Planning Dept. & Customer Comm. Dept. | — | — |
| Junpei Yokozawa | President, CEO & Representative Director | — | male |
| Kaoru Katada | Executive Officer of Creditor Insurance Business Dept, HR & General Affairs Dept. | — | female |
| Kota Matsubara | General Manager of the Accounting & Actuarial Department | — | male |
| Takahito Kanasugi | Executive Officer of Product Dev. Dept., Bus. Dev. Dept. & Data Science Promotion Office | — | — |
| Takeshi Kawasaki | CFO, EVP, Senior Exec. Officer of Corporate Planning Dept, Acc. Dept & Actuarial Dept and Director | — | male |
| Tsutomu Matsuura | Executive Officer of CX Design Department, Customer Services Department & Claims Department | — | — |
| Yasuhiro Hagiwara | Executive Officer, Chief Compliance Officer & Chief Information Security Officer | — | — |
| Yasuhiro Hida | Executive Officer of Marketing Department & Brand Management Department | — | — |
| Yasusuke Baba | Executive Officer & GM of Information Systems Strategy Division | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for 7157.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
