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JAPAN POST BANK Co., Ltd. (7182.T)

JPY3,350.00 +46.00 (+1.39%)
JP JPX Financial Services Banks - Regional
Address 2-3-1 Otemachi 100-8793
Tokyo, JP
CEO Takayuki Kasama
IPO 2015-11-04
ISIN JP3946750001

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Also trades on Other OTC · JPPTY (USD) Other OTC · JPSTF (USD) Tokyo Stock Exchange · 7182.T (JPY)
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 transfer, savings, and ordinary accounts, as well as various fixed-term options such as time deposits and TEIGAKU deposits, in addition to negotiable certificates of deposit. Its lending portfolio encompasses credit facilities secured by deposits or Japanese government bonds, alongside credit card loans. It also extends financing to local, central, and regional government entities, engages in syndicated lending, and offers corporate and other secondary market loans. Beyond banking, the company offers a range of investment products, including securities, Japanese government bonds, and investment trusts. It also provides domestic and foreign exchange services, insurance products, and acts as an intermediary for services like mortgages and credit cards. Serving its customers through a vast network, the bank operates 32,005 ATMs and 23,881 branches. Founded in 2006, the entity was initially known as Yucho Co, Ltd. before rebranding to JAPAN POST BANK Co., Ltd. in October 2007. The company is headquartered in Tokyo, Japan, and functions as a subsidiary of Japan Post Holdings 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 Loading…
Indicator 1D1W2W3W1M
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
Averages
Trend
Price
Levels
Draw
JPY3,350.00 +46.00 (+1.39%)
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Volume Profile
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Liquidity & share structure
Average Volume
7M
Beta
0.40
Float Shares
1.78B
Free Float %
49.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.40% +8.06% +11.62% +2.87% +78.83% +33.96% +104.97% +184.95% +216.94% +136.54% +82.47%
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
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
3,350.00
DCF (Unlevered) 24,172.66 +621.6%

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) 70% Bullish
Rating 2026-05 Change
Strong Buy 4 0
Buy 3 0
Hold 3 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.26
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +15.9% Q1'26: +21.5% (vs Q1'25)
  • EPS growth
    +28.4% Q1'26: +41.4% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +28.1% (vs Q1'25)
  • ROIC
    Q1'26: -2.5% (vs Q1'25)
  • Share dilution
    -1.2% Q1'26: -1.3% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 33.49× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.40) × ERP
WACC = 28% × Ke + 72% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 23,990.91 Current price: 3,350.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric 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
5 Rev. Ana.
9 EPS Ana.
Mar 2027
1 Rev. Ana.
5 EPS Ana.
Mar 2028
6 Rev. Ana.
9 EPS Ana.
Mar 2029
2 Rev. Ana.
2 EPS Ana.
Mar 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
1.95T
est: 1.50T (+30.0%)
1.88T
est: 1.44T (+30.1%)
1.93T
est: 1.52T (+27.0%)
1.81T
est: 1.35T (+34.1%)
1.78T
est: 1.33T (+33.9%)
1.74T
est: 1.35T (+28.2%)
1.81T
est: 1.33T (+35.5%)
2.04T
est: 1.12T (+83.0%)
2.29T
est: 1.62T (+41.1%)
2.41T
est: 1.02T (+137.4%)
1.37T
1.33T – 1.41T
+35.1% YoY
1.76T
1.65T – 1.86T
+28.0% YoY
2.00T
1.95T – 2.10T
+13.7% YoY
1.91T
1.82T – 1.99T
-4.6% YoY
1.94T
1.87T – 2.05T
+1.9% YoY
EBITDA
501.56B
est: 358.65B (+39.8%)
460.79B
est: 344.25B (+33.9%)
520.15B
est: 362.92B (+43.3%)
403.56B
est: 322.32B (+25.2%)
414.89B
est: 317.83B (+30.5%)
427.69B
est: 323.52B (+32.2%)
534.29B
est: 318.33B (+67.8%)
488.61B
est: 266.83B (+83.1%)
536.74B
est: 477.66B (+12.4%)
629.92B
est: 299.04B (+110.6%)
403.86B
391.11B – 416.60B
+35.1% YoY
517.04B
486.84B – 547.24B
+28.0% YoY
587.92B
574.12B – 619.68B
+13.7% YoY
560.99B
535.18B – 586.80B
-4.6% YoY
571.89B
549.23B – 603.95B
+1.9% YoY
EBIT
480.89B
est: 331.91B (+44.9%)
440.60B
est: 318.59B (+38.3%)
498.92B
est: 335.86B (+48.5%)
369.87B
est: 298.29B (+24.0%)
378.63B
est: 294.13B (+28.7%)
392.65B
est: 299.40B (+31.1%)
496.57B
est: 294.59B (+68.6%)
454.37B
est: 246.93B (+84.0%)
494.06B
est: 449.96B (+9.8%)
584.18B
est: 281.70B (+107.4%)
380.44B
368.43B – 392.45B
+35.1% YoY
487.06B
458.61B – 515.51B
+28.0% YoY
553.83B
540.82B – 583.75B
+13.7% YoY
528.46B
504.14B – 552.77B
-4.6% YoY
538.72B
517.38B – 568.92B
+1.9% YoY
Net Income
325.07B
est: 319.00B (+1.9%)
312.26B
est: 291.10B (+7.3%)
352.78B
est: 341.37B (+3.3%)
266.19B
est: 258.55B (+3.0%)
273.44B
est: 261.35B (+4.6%)
280.13B
est: 268.43B (+4.4%)
355.07B
est: 338.89B (+4.8%)
325.07B
est: 323.08B (+0.6%)
356.13B
est: 365.55B (-2.6%)
414.33B
est: 422.95B (-2.0%)
499.42B
487.29B – 511.56B
+18.1% YoY
634.36B
613.42B – 646.38B
+27.0% YoY
822.37B
764.05B – 946.68B
+29.6% YoY
859.23B
735.07B – 860.96B
+4.5% YoY
734.60B
696.76B – 788.13B
-14.5% YoY
SGA
135.16B
est: 662.02B (-79.6%)
est: 635.45B (-100.0%)
est: 669.91B (-100.0%)
est: 594.97B (-100.0%)
est: 586.67B (-100.0%)
est: 597.18B (-100.0%)
est: 587.59B (-100.0%)
est: 492.52B (-100.0%)
— – —
— – —
— – —
— – —
— – —
EPS
86.69
est: 88.24 (-1.8%)
83.28
est: 80.52 (+3.4%)
94.10
est: 94.42 (-0.3%)
71.01
est: 71.52 (-0.7%)
72.94
est: 72.29 (+0.9%)
74.73
est: 74.25 (+0.7%)
94.72
est: 93.74 (+1.1%)
86.85
est: 86.26 (+0.7%)
98.43
est: 101.09 (-2.6%)
114.60
est: 111.94 (+2.4%)
138.57
136.38 – 143.18
+23.8% YoY
177.57
171.69 – 180.91
+28.1% YoY
233.14
213.84 – 264.96
+31.3% YoY
223.35
205.73 – 240.97
-4.2% YoY
205.60
195.01 – 220.58
-7.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-18 B- 3/5 5/5 2/5 2/5 1/5 2/5 3/5
2026-05-15 B- 3/5 5/5 2/5 2/5 1/5 2/5 3/5
2026-05-14 B- 3/5 5/5 2/5 2/5 1/5 2/5 3/5
2026-05-13 B- 3/5 5/5 2/5 2/5 1/5 2/5 3/5
2026-05-12 B- 3/5 5/5 2/5 2/5 1/5 2/5 3/5
2026-05-11 B- 3/5 5/5 2/5 2/5 1/5 2/5 3/5
2026-05-08 B- 3/5 5/5 2/5 2/5 1/5 2/5 3/5
2026-05-07 B- 3/5 5/5 2/5 2/5 1/5 2/5 3/5
2026-05-01 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-04-30 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-04-28 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-04-27 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-04-24 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-04-23 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-04-22 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-04-21 B 3/5 5/5 2/5 4/5 1/5 2/5 3/5
2026-04-20 B 3/5 5/5 2/5 4/5 1/5 2/5 3/5
2026-04-17 B+ 3/5 5/5 3/5 4/5 1/5 2/5 3/5
2026-04-16 B+ 3/5 5/5 3/5 4/5 1/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
46.84B
OE per share TTM
12.94
Owner's Yield
0.44%
Maintenance CapEx ratio
5.24%
Maint CapEx / Avg PPE
9.9%

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 276 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Matthews Japan Active ETF JPAN JPAN 2.43% 245.8K 0.79%
2 iShares MSCI Japan CTB Enhanced ESG UCITS ETF EDMJ.DE 1.56% 24.48M 0.15%
3 iShares MSCI Japan CTB Enhanced ESG UCITS ETF EEJD.L 1.56% 14.01M 0.15%
4 Brown Advisory International Value Select ETF BAIV 1.53% 1.46M 0.60%
5 Lazard Equity Megatrends ETF THMZ 1.50% 782.5K 0.60%
6 iShares MSCI Japan Value ETF EWJV 1.39% 9.70M 0.15%
7 Touchstone Dynamic International ETF TDI 1.38% 1.03M 1.19%
8 Capital Group Dividend Growers ETF CGDG 1.14% 60.61M 0.47%
9 Amundi MSCI Japan ESG Broad Transition UCITS ETF EUR Acc J1GR.DE 1.08% 16.20M 0.15%
10 Fidelity Japan Equity Research Enhanced UCITS ETF ACC-JPY FJPR.L 0.99% 3.18M 0.25%

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
66.41M
Shares Outstanding
3.56B

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

NameTitleCompensationGender
Harumi Yano Deputy President, Representative Executive Vice President & Director male
Makoto Shinmura Senior Managing Executive Officer male
Masato Tamaki Senior Managing Executive Officer male
Minoru Kotouda Senior Managing Executive Officer
Satoru Ogata Managing Executive Officer
Takao Kurosaki Finance Manager
Takayuki Kasama Chief Executive Officer, President, Director & Representative Executive Officer male
Takayuki Tanaka Managing Executive Officer
Tatsuo Ichikawa Managing Director
Yamano IR Contact male
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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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits