Japan Post Insurance Co Stock price
Compare with Peer Group
📊 Peer Group
📈 What is it?
The peer group consists of the companies with the most similar business model. They serve as a benchmark for putting a stock into context.
🧮 How is it selected?
Based on similarity of business model, meaning companies from the same industry with comparable products and a similar customer base. That's the only way to compare apples to apples.
🏛️ Why does it matter?
Whether a stock is cheap or expensive is best judged by comparison. A P/E of 18 or an EV/FCF of 20 can look cheap or expensive depending on the yardstick. The peer group gives you the most accurate one: companies with a similar business model that operate under the same conditions.
🎯 What does it mean for investors?
When a metric sits below the peer average, the stock is valued more cheaply relative to its competitors, and above the average more expensively. A discount to the peer group can be an opportunity, but it can also have a reason (for example lower growth). The comparison is a starting point, not a verdict.
Is Japan Post Insurance Co a Top Scorer Stock based on the Dividend, High-Growth-Investing or Leverman Strategy?
As a Free StocksGuide user, you can view scores for all 9,134 stocks worldwide.
StocksGuide Premium
StocksGuide Unlimited
Key metrics
📘 Market Capitalization
📈 What is it?
Market capitalization shows how much a company is currently worth on the stock market.
🧮 How is it calculated?
🏛️ Why is it important?
It helps classify companies by size (Large, Mid, Small Cap) and indicates their market presence and relative stability.
🧮 Calculation
🎯 What does this mean for investors?
- Large-cap companies tend to be more stable, often pay dividends, but may grow more slowly.
- Smaller firms may offer higher growth potential but come with more volatility.
- Market capitalization is a useful indicator of company size — but not a measure of whether a stock is undervalued or overvalued.
📘 Enterprise Value (EV)
📈 What is it?
Enterprise Value represents the total cost to acquire a company — including its debt and excluding its cash reserves.
🧮 How is it calculated?
(= Market Cap + Net Debt)
🏛️ Why is it important?
EV gives a more complete picture of a company's value than market cap alone and is used in key valuation ratios like EV/FCF or EV/Sales.
🧮 Calculation
🎯 What does this mean for investors?
- Enterprise Value shows the true cost of buying a company, including all financial obligations.
- It is more accurate than just looking at market cap, especially when comparing companies with different levels of debt or cash.
- Professional investors prefer EV-based multiples because they better reflect the company’s full financial footprint.
📘 Net Debt
📈 What is it?
Net Debt shows how much debt remains after subtracting a company’s available cash reserves.
🧮 How is it calculated?
🏛️ Why is it important?
It indicates how dependent a company is on borrowed money and how easily it can service its debt in the short term.
🧮 Calculation
🎯 What does this mean for investors?
- Low or negative net debt signals financial strength and flexibility.
- Companies with strong cash positions are better positioned in crises.
- High net debt increases financial risk — especially in environments with rising interest rates or economic downturns.
📘 Cash
📈 What is it?
Cash represents all liquid assets a company can access immediately — including cash, bank deposits, and short-term investments.
🧮 How is it calculated?
🏛️ Why is it important?
It reflects a company’s financial flexibility and resilience — enabling investments, buybacks, or buffer in downturns.
🧮 Calculation
🎯 What does this mean for investors?
- A strong cash position means greater room for maneuver and crisis resistance.
- Cash-rich companies can invest, pay down debt, or repurchase shares.
- But excess idle cash might indicate a lack of growth opportunities.
📘 Shares Outstanding
📈 What is it?
Shares outstanding represent the total number of a company’s shares currently held by investors — excluding treasury stock.
🧮 How is it calculated?
🏛️ Why is it important?
It’s the basis for key metrics like Earnings Per Share (EPS), Market Capitalization, or the Price/Earnings ratio (P/E).
🧮 Calculation
🎯 What does this mean for investors?
- Fewer shares in circulation typically increase earnings per share — making each share more valuable.
- Share buybacks reduce the number of shares and boost per-share metrics.
- Issuing new shares does the opposite — diluting shareholder value and lowering per-share figures.
📘 Price-to-Earnings Ratio (P/E)
📈 What is it?
The P/E ratio shows how many times a company's earnings per share are reflected in its current share price — in other words, how "expensive" the stock appears relative to its profits.
🧮 How is it calculated?
🏛️ Why is it important?
The P/E ratio is one of the most widely used valuation metrics. It helps investors assess whether a stock appears cheap or expensive compared to its earnings power.
🧮 Calculation
📊 P/E (TTM) = Based on earnings from the last 12 months (Trailing Twelve Months):🎯 What does this mean for investors?
- A low P/E may indicate undervaluation — or signal underlying issues.
- A high P/E may reflect strong growth expectations — or an overvalued stock.
📘 Price-to-Sales Ratio (P/S)
📈 What is it?
The P/S ratio shows how much investors are paying for $1 of the company’s revenue – regardless of profitability.
🧮 How is it calculated?
🏛️ Why is it important?
P/S is especially useful for evaluating growth companies or businesses not yet profitable. It reflects how the market values the company’s sales.
🧮 Calculation
Market Cap = ¥1.94t | Revenue (TTM) = ¥5.03t
Market Cap = ¥1.94t | Estimated Revenue = ¥5.26t
🎯 What does this mean for investors?
- A low P/S may indicate undervaluation — or low profitability.
- A high P/S can reflect strong growth expectations — or excessive optimism.
- Especially helpful when evaluating companies where profits are low, volatile, or negative.
📘 Enterprise Value to Sales (EV/Sales)
📈 What is it?
EV/Sales shows how much investors are paying for $1 of revenue — considering not just equity, but also debt and cash. It’s the capital structure–adjusted version of the P/S ratio.
🧮 How is it calculated?
🏛️ Why is it important?
It’s ideal for comparing companies with different levels of debt. It reflects a company's true cost relative to its revenue.
🧮 Calculation
Enterprise Value = ¥934.42b | Revenue (TTM) = ¥5.03t
Enterprise Value = ¥934.42b | Forward Revenue = ¥5.26t
🎯 What does this mean for investors?
- EV/Sales allows for capital structure–neutral company comparisons.
- A lower ratio may indicate undervaluation; a higher one may signal strong growth expectations or overvaluation.
- Especially helpful when evaluating high-growth companies with low or negative earnings.
📘 Enterprise Value to Free Cash Flow (EV/FCF)
📈 What is it?
EV/FCF shows how many years it would take for a company to "pay back" its enterprise value using its free cash flow.
🧮 How is it calculated?
🏛️ Why is it important?
It focuses on real cash generation, ignoring accounting noise — ideal for assessing profitability and value based on liquidity, not earnings.
🎯 What does this mean for investors?
- A low EV/FCF may signal undervaluation and strong cash generation.
- A high EV/FCF might reflect weak recent cash flow or aggressive growth expectations.
- Best suited for stable, mature businesses with predictable free cash flows.
📘 Price-to-Book Ratio (P/B)
📈 What is it?
The P/B ratio compares a company’s market value to its book value — showing how much investors are paying for each dollar of net assets.
🧮 How is it calculated?
🏛️ Why is it important?
P/B is commonly used for asset-heavy industries like banks or industrials. It helps assess whether a stock is trading above or below its net asset value.
🧮 Calculation
🎯 What does this mean for investors?
- A P/B below 1 may signal undervaluation — or weak profitability.
- A P/B above 1 implies the market expects future value creation (e.g., brand, IP, growth).
- Best used for companies with tangible assets and strong balance sheets.
📘 Dividend per Share (DPS)
📈 What is it?
Dividend per Share shows how much cash a company pays out to shareholders for each share they own – usually on an annual or quarterly basis.
🧮 How is it calculated?
🏛️ Why is it important?
DPS is the absolute value of the payout per share – crucial for income-focused investors and dividend strategies.
🧮 Calculation
🎯 What does this mean for investors?
- A stable or growing DPS often signals a strong, shareholder-friendly business.
- DPS alone doesn’t tell you how attractive the payout is – the stock price also matters (→ see Dividend Yield).
- Long-term dividend growth is often a hallmark of high-quality companies – like the dividend aristocrats.
📘 Dividend Yield
📈 What is it?
Dividend yield shows how large a company’s dividend is in relation to its current share price.
🧮 How is it calculated?
🏛️ Why is it important?
It allows investors to compare dividend payouts across stocks, regardless of price or payout size.
🧮 Calculation
🎯 What does this mean for investors?
- A stable yield can reflect reliable distributions.
- Comparing 1Y and 5Y yield shows whether dividend growth keeps pace with stock price appreciation.
- A low yield isn’t always negative – it can signal strong past performance or growth focus.
📘 Dividend Growth
📈 What is it?
Dividend growth shows how much a company has increased its dividend per share over time.
🧮 How is it calculated?
5Y: Compound Annual Growth Rate (CAGR)
🏛️ Why is it important?
Consistently rising dividends are often a sign of financial strength and shareholder orientation – especially relevant for long-term investors.
🧮 Calculation
🎯 What does this mean for investors?
- Stable dividend growth is a sign of sustainable earning power.
- High dividend growth can significantly boost your total return:
- If a company pays $1 in dividends and increases it by 15% annually over 5 years, you’ll receive $2 per share in year 5 – twice as much as at the start!
📘 Payout Ratio
📈 What is it?
The payout ratio shows what percentage of a company’s earnings (per share) is distributed to shareholders as dividends.
🧮 How is it calculated?
🏛️ Why is it important?
It helps assess whether the dividend is sustainable – especially in relation to the company’s profitability.
🧮 Calculation
🎯 What does this mean for investors?
- A low payout ratio means the company retains more earnings for reinvestment – typical for growth companies.
- A moderate payout (e.g. 25–50%) indicates a healthy balance between returns and reinvestment.
- High payout ratios may seem attractive but can carry risk if earnings decline.
📘 Consecutive Dividend Increases
📈 What is it?
This metric shows how many consecutive years a company has raised its dividend per share – without any cuts or pauses.
🧮 How is it calculated?
(Special dividends are not considered.)
🏛️ Why is it important?
A long track record of increases reflects financial strength, consistency, and shareholder commitment.
🎯 What does this mean for investors?
- A long dividend increase streak builds confidence – especially in volatile markets.
- Such companies are seen as reliable and income-friendly investments.
- The longer the streak, the stronger the company’s dividend discipline.
📘 Revenue
📈 What is it?
Revenue shows how much a company earns in total from selling its products and services – the gross income before any costs are deducted.
🧮 How is it calculated?
🏛️ Why is it important?
Revenue is one of the key figures to assess a company’s size, market position, and growth potential.
🧮 Calculation
🎯 What does this mean for investors?
- Growing revenue indicates rising demand and can be an early signal of future earnings growth.
- Comparing actual and expected revenue reveals trends in the market environment and analyst sentiment.
- Note: Strong revenue alone isn’t enough – margins and profitability matter just as much.
📘 EBITDA
📈 What is it?
EBITDA stands for “Earnings Before Interest, Taxes, Depreciation, and Amortization.” It reflects a company’s operating profit before the effects of financing, taxes, and accounting depreciation.
🧮 How is it calculated?
🏛️ Why is it important?
EBITDA is widely used to evaluate a company’s operating performance – especially across capital-intensive sectors or international comparisons.
🎯 What does this mean for investors?
- A high or growing EBITDA indicates strong operational profitability – independent of taxes, interest, or accounting methods.
- It’s especially useful for comparing companies across sectors or geographies.
- Important: EBITDA is not a net income figure – it excludes key costs like depreciation and interest.
📘 EBIT
📈 What is it?
EBIT stands for “Earnings Before Interest and Taxes.” It reflects a company’s operating profit after depreciation, but before interest and tax expenses.
🧮 How is it calculated?
🏛️ Why is it important?
EBIT is a core profitability metric that shows how well the company performs in its main business operations – independent of capital structure and tax environment.
🧮 Calculation
🎯 What does this mean for investors?
- A high EBIT indicates strong profitability from the company’s core business – before financial and tax effects.
- It allows better comparison between companies with different debt levels or tax structures.
- Compared to EBITDA, EBIT already accounts for depreciation and reflects capital intensity more clearly.
📘 Net Income
📈 What is it?
Net income is the company’s total profit – the amount left after all expenses, taxes, interest, and depreciation have been deducted.
🧮 How is it calculated?
🏛️ Why is it important?
Net income is the most comprehensive measure of a company’s profitability – showing how much actual profit remains after all business and financing costs.
🧮 Calculation
🎯 What does this mean for investors?
- Growing net income indicates that the company is managing all of its costs efficiently.
- It directly influences valuation metrics like P/E ratio and the company’s dividend capacity.
- Over time, net income trends reveal how resilient and profitable the business model really is.
📘 Free Cash Flow (FCF)
📈 What is it?
Free Cash Flow shows how much actual cash remains after a company covers its operating expenses and capital expenditures.
🧮 How is it calculated?
🏛️ Why is it important?
FCF reflects a company’s real financial strength – regardless of accounting profits. It shows how much flexibility a company has for dividends, share buybacks, or debt reduction.
🎯 What does this mean for investors?
- High free cash flow means the company generates real, usable cash – independent of reported net income.
- It’s often the most reliable base for sustainable dividends and buybacks.
- Declining FCF can be an early warning sign – even when profits appear stable.
📘 Revenue Growth
📈 What is it?
Revenue growth shows how much a company’s sales have changed compared to the previous year – both on a trailing basis (TTM) and based on forward projections.
🧮 How is it calculated?
Forward = (Expected revenue ÷ Revenue in prior year − 1) × 100
Forward growth is based on analyst estimates for the current fiscal year.
🏛️ Why is it important?
Rising revenue signals growing demand, business expansion, and market share gains – especially important for growth-oriented companies.
🧮 Calculation
🎯 What does this mean for investors?
- Growth is the engine of long-term value creation – especially in tech and growth sectors.
- What matters is not just current growth, but its sustainability.
- Forward projections reflect whether analysts expect continued momentum – or a slowdown.
📘 EBITDA Growth
📈 What is it?
EBITDA growth shows how much a company’s operating profit (before interest, taxes, depreciation, and amortization) has increased or decreased compared to the previous year.
🧮 How is it calculated?
Forward = (Expected EBITDA ÷ EBITDA from prior year − 1) × 100
The forward estimate is based on analyst projections for the current fiscal year.
🏛️ Why is it important?
Growing EBITDA indicates improving operational profitability – regardless of financing or accounting effects.
🎯 What does this mean for investors?
- Strong EBITDA growth signals operational efficiency and scalability – especially during growth phases.
- EBITDA growth can be an early indicator of margin and earnings expansion – but should be assessed alongside revenue and EBIT.
📘 EBIT Growth
📈 What is it?
EBIT growth shows how much a company’s operating profit (after depreciation, but before interest and taxes) has increased compared to the previous year.
🧮 How is it calculated?
Forward = (Expected EBIT ÷ EBIT from prior year − 1) × 100
The forward estimate is based on analyst projections for the current fiscal year.
🏛️ Why is it important?
EBIT growth is a direct indicator of a company’s business performance – taking into account capital intensity through depreciation.
🧮 Calculation
🎯 What does this mean for investors?
- Rising EBIT signals improving operating profitability – even after accounting for depreciation.
- It’s especially important for evaluating companies with significant capital expenditures.
- Combined with revenue and EBITDA growth, EBIT growth provides a well-rounded view of operational progress.
📘 Net Income Growth
📈 What is it?
Net income growth shows how much a company’s bottom-line profit has increased or decreased compared to the previous year – both on a trailing basis (TTM) and based on analyst projections.
🧮 How is it calculated?
Forward = (Expected net income ÷ Net income from prior year − 1) × 100
The forward estimate reflects analysts’ expectations for the current fiscal year.
🏛️ Why is it important?
Net income is the ultimate measure of profitability. Growing net income signals stronger efficiency, cost control, and sustainable earnings power.
🧮 Calculation
🎯 What does this mean for investors?
- Stronger net income boosts valuation, dividend potential, and investor confidence.
- If profits stall while revenue grows, it may signal margin pressure.
📘 Free Cash Flow Growth
📈 What is it?
Free cash flow (FCF) growth shows how a company’s available cash – after covering operating expenses and capital expenditures – has changed compared to the previous year.
🧮 How is it calculated?
🏛️ Why is it important?
Free cash flow reflects real financial strength. Growing FCF indicates more flexibility for dividends, share buybacks, and reinvestment.
🎯 What does this mean for investors?
- Declining FCF may point to rising investments, increasing costs, or weaker operating performance.
- Especially for dividend investors, FCF growth is critical – since dividends are paid from actual available cash.
- A negative trend isn't always bad, but it deserves closer attention.
📘 Gross Margin
📈 What is it?
Gross margin shows how much of a company’s revenue remains after deducting the direct costs of goods sold (like materials and production). It represents the company’s “raw profit” before fixed costs, taxes, and interest.
🧮 How is it calculated?
Or simply: Gross Margin = Gross Profit ÷ Revenue × 100
🏛️ Why is it important?
Gross margin indicates how efficiently a company can produce or procure what it sells. It is a key measure of product-level profitability and pricing power.
🎯 What does this mean for investors?
- A high gross margin suggests strong pricing power and efficient production.
- Falling margins may signal rising input costs or competitive pressure.
- Compared to peers, gross margin offers insights into the quality of a business model.
📘 EBITDA Margin
📈 What is it?
The EBITDA margin shows how much of a company’s revenue remains as operating profit before interest, taxes, depreciation, and amortization.It reflects operating efficiency without being distorted by financing or accounting factors.
🧮 How is it calculated?
🏛️ Why is it important?
The EBITDA margin reveals how much operating income a company generates per dollar of revenue – independent of capital structure and tax effects.
🎯 What does this mean for investors?
- A high EBITDA margin reflects strong core profitability – before accounting distortions.
- It allows for effective comparisons across companies and sectors.
- A stable or growing margin signals efficient cost control and business scalability.
📘 EBIT Margin
📈 What is it?
The EBIT margin shows what percentage of revenue remains as operating profit after depreciation but before interest and taxes.
🧮 How is it calculated?
🏛️ Why is it important?
The EBIT margin reflects a company’s core profitability while accounting for capital intensity (e.g. machinery, infrastructure). It’s especially useful for comparing businesses with different levels of depreciation.
🧮 Calculation
🎯 What does this mean for investors?
- A high EBIT margin shows that the company remains efficient even after factoring in depreciation.
- It’s especially relevant for capital-intensive industries.
- Stable or rising EBIT margins over time are a strong indicator of pricing power and business quality.
📘 Net margin
📈 What is it?
Net margin shows how much of a company’s revenue remains as bottom-line profit after deducting all costs, interest, taxes, and depreciation.
🧮 How is it calculated?
🏛️ Why is it important?
Net margin reflects a company’s overall efficiency – across operations, financing, and taxation. It shows how much actual profit is generated from each dollar of revenue.
🧮 Calculation
🎯 What does this mean for investors?
- A high net margin means the company is not only strong operationally but also manages financing and taxes efficiently.
- Peer comparisons reveal business quality and competitiveness.
- Declining margins despite revenue growth can be a red flag for rising costs or inefficiencies.
📘 Free cash flow margin
📈 What is it?
The free cash flow (FCF) margin shows how much of a company’s revenue remains as actual free cash after covering all operating expenses and capital expenditures.
🧮 How is it calculated?
🏛️ Why is it important?
This margin reflects the true liquidity generated by the business – independent of accounting rules or depreciation. It’s especially relevant for dividends, buybacks, and reinvestment decisions.
🎯 What does this mean for investors?
- A high FCF margin means a company consistently generates strong cash flow.
- It’s a positive signal for financial stability and shareholder returns.
- The long-term trend is key – a declining margin may indicate rising investments or weakening operating efficiency.
📘 Equity Ratio
📈 What is it?
The equity ratio indicates what portion of a company’s total assets is financed by shareholders’ equity – in other words, how much it relies on its own capital.
🧮 How is it calculated?
🏛️ Why is it important?
A high equity ratio reflects financial strength and stability, especially during downturns. It’s a key indicator of a company’s solvency and long-term risk profile.
🧮 Calculation
🎯 What does this mean for investors?
- Companies with high equity ratios are generally more resilient and less dependent on external debt.
- Low equity ratios can signal higher risk or aggressive financial strategies.
- Important: Always assess the equity ratio in combination with the return on equity (ROE). This shows not just how stable the company is – but also how efficiently it uses shareholder capital.
📘 Return on Equity (ROE)
📈 What is it?
Return on equity (ROE) shows how efficiently a company uses its shareholders’ equity to generate profit. In other words: how much net income is earned per dollar of equity.
🧮 How is it calculated?
🏛️ Why is it important?
ROE is a core profitability metric. It helps investors understand whether a company delivers attractive returns on the capital provided by its shareholders.
🧮 Calculation
🎯 What does this mean for investors?
- A high ROE indicates that the company is using its capital efficiently and profitably.
- It’s especially meaningful for capital-intensive businesses or firms with high equity bases.
- Important: A very high ROE can also result from high debt levels – always interpret it alongside the equity ratio to assess financial health.
📘 Return on Capital Employed (ROCE)
📈 What is it?
ROCE measures how efficiently a company generates profits from its total capital – including both equity and interest-bearing debt.
🧮 How is it calculated?
It evaluates the return on all capital employed, regardless of how it’s financed.
🏛️ Why is it important?
ROCE is ideal for comparing companies with different financing structures. It shows how well management uses capital to create value for both shareholders and creditors.
🎯 What does this mean for investors?
- A high ROCE means the company uses its capital efficiently – regardless of whether it's funded by debt or equity.
- The higher the ROCE compared to peers, the more value the company creates with its invested capital.
- Especially relevant for capital-intensive sectors like industrials, energy, or infrastructure.
📘 Return on Invested Capital (ROIC)
📈 What is it?
ROIC measures how efficiently a company generates returns from the capital invested in its core operations – regardless of whether the capital comes from equity or debt.
🧮 How is it calculated?
- NOPAT = Net Operating Profit After Taxes
- Invested Capital = Operating assets minus non-interest-bearing liabilities
🏛️ Why is it important?
ROIC is one of the most accurate indicators of capital efficiency. Unlike return on equity, it is not distorted by leverage and shows how much value is created for all capital providers.
🎯 What does this mean for investors?
- A high ROIC shows how effectively a company uses the capital that is truly invested in its core operations.
- Unlike ROCE, ROIC focuses only on the capital that is actively used to run the business – and that requires a return (i.e. interest-bearing).
- Especially useful when comparing companies with large amounts of excess cash or non-interest-bearing liabilities – giving a more realistic picture of capital efficiency.
📘 Leverage Ratio (Debt-to-Equity)
📈 What is it?
The leverage ratio indicates how much a company relies on interest-bearing debt (such as loans and bonds) relative to its shareholders’ equity.
🧮 How is it calculated?
🏛️ Why is it important?
This ratio helps assess a company’s financial structure and risk profile. High leverage can enhance returns – but also increases exposure to interest rate changes and financial stress.
🧮 Calculation
🎯 What does this mean for investors?
- A low leverage ratio signals financial strength and independence.
- A higher ratio can improve returns in good times but increases risk during downturns or rising interest rate periods.
- 👉 Always interpret in the context of industry, capital intensity, and interest rate environment.
📘 Earnings per share (EPS)
📈 What is it?
Earnings per Share (EPS) shows how much profit is attributable to a single share – and is one of the most important metrics for evaluating a company's performance.
🧮 How is it calculated?
The diluted share count reflects potential new shares that could be issued through options, convertible bonds, or other rights.
🏛️ Why is it important?
EPS is the basis for many key valuation metrics like P/E ratio, PEG ratio, or payout ratio. It enables comparisons of profitability across companies, regardless of their size.
🧮 Calculation
🎯 What does this mean for investors?
- EPS captures per-share profitability and is especially useful for comparisons over time or with analyst estimates.
- Rising EPS may signal consistent growth or share buybacks.
- Important: Always use diluted EPS for more realistic valuations – especially in companies with stock-based compensation.
📘 Free cash flow per share (FCF per share)
📈 What is it?
Free Cash Flow per Share shows how much free cash flow a company generates per outstanding share – after investments, but before dividends or debt repayments.
🧮 How is it calculated?
Free cash flow is calculated as operating cash flow minus capital expenditures (CapEx).
🏛️ Why is it important?
FCF per Share reveals how much real cash is available per share – useful for dividends, buybacks, or reducing debt. Unlike net income, free cash flow is harder to manipulate and often seen as a more reliable metric.
🧮 Calculation
🎯 What does this mean for investors?
- High FCF per share signals strong financial flexibility.
- It shows how much capital the company can effectively reinvest or return to shareholders.
- Particularly relevant for dividend payers and capital-efficient businesses.
📘 Short interest
📈 What is it?
Short interest indicates how many shares of a company are currently sold short – that is, borrowed and sold by investors who expect the price to decline.
🧮 How is it calculated?
It reflects the percentage of a company’s shares that are being shorted relative to the total shares available.
🏛️ Why is it important?
Short interest serves as a sentiment indicator: A high value may signal skepticism or bearish expectations – but also increases the potential for a short squeeze if prices rise unexpectedly.
🎯 What does this mean for investors?
- Low short interest usually indicates market confidence in the company.
- High short interest can be a warning sign – or an opportunity if sentiment shifts.
- Especially relevant in volatile markets or ahead of key earnings releases.
📘 Employees
📈 What is it?
The employee count shows how many people a company employs worldwide – offering insights into its size, structure, and business model.
🧮 How is it calculated?
🏛️ Why is it important?
It helps assess operational scale, labor intensity, and cost structure. Combined with revenue and profit, it enables key metrics like revenue per employee or productivity.
🧮 Calculation
🎯 What does this mean for investors?
- A high headcount can signal operational complexity – but also significant growth capacity.
- Revenue per employee is a key indicator of efficiency.
- Especially useful for comparing tech, industrial, or service-heavy companies.
📘 Turnover per employee
📈 What is it?
Revenue per employee indicates how much revenue a company generates on average per employee – a key measure of efficiency and productivity.
🧮 How is it calculated?
The employee count is typically taken from the most recent annual report.
🏛️ Why is it important?
This metric helps compare business models – especially between labor-intensive and technology-driven companies. A high value suggests automation, operational efficiency, or strong value creation per head.
🧮 Calculation
🎯 What does this mean for investors?
- A high revenue per employee indicates a scalable and margin-strong business model.
- A low figure may reflect labor-intensive operations or lower value-add.
- Especially helpful when comparing tech companies to industrial or service sectors.
Japan Post Insurance Co Stock Analysis
Analyst Opinions
16 Analysts have issued a Japan Post Insurance Co forecast:
Analyst Opinions
16 Analysts have issued a Japan Post Insurance Co forecast:
Japan Post Insurance Co Events
Past Events
|
DEC
2
Q2 2026 Earnings Call
10 months ago
|
StocksGuide Free
Japan Post Insurance Co — Q2 2026 Earnings Call
1. Management Discussion
I am Kunio Tanigaki, President of Japan Post Insurance. Thank you very much for attending our financial results and corporate strategy meeting today. Please turn to Page 1. Today, I will provide an explanation in 2 parts: recognition of current status and direction of the next medium-term management plan. First, as recognition of current status, I will explain our efforts up to the first half of FY 2025, their achievements and market valuation of the company. Second, as directions of the next medium-term management plan, I will explain reversal of policies enforced through the establishment of a sales structure, strengthening asset management capabilities, take on the future and achieving stronger business foundation.
Afterwards, I would like to answer any questions you may have. Please turn to Page 3. First, I would like to explain our efforts up to the first half of FY 2025 and achievements. We have taken various measures to address the 5 issues of retain and expand customer base, corporate culture reform, asset management, diversification of revenue sources and achieving stronger business foundation.
First, regarding retain and expand customer base, higher interest rates in lump sum payment whole life insurance launched in January 2024, which met customer needs have vitalized the sales activity. As you can see in the graphs on the right, the number of new policies in FY March '25 has increased significantly. However, the number of new policies are declining in FY March 2026 following the revelation of the improper use of private financial information, et cetera. The entire group is working together to establish a framework as we aim to revive the Post Office counter channel and reverse the policies in force in the new category.
The employee engagement score is also improving each year with the effect of the second initiative, corporate culture reform. Please turn to Page 4. Regarding the third issue, asset management. Due to an improvement in the market environment and diversification of asset management, et cetera, positive spread in FY March '26 is expected to reach around JPY 225 billion, a record high for the company. Fourth, regarding diversification of revenue sources, we are making steady progress with our initiatives, including the decision to make additional investments in a new reinsurance vehicle managed by Global Atlantic.
Fifth, regarding achieving stronger business foundation, we have achieved a workload reduction equivalent to 1,500 people as of April 2025 through digitalization and improved capital efficiency through the utilization of reinsurance and other means. As a result of our efforts on the 5 issues I have just mentioned, adjusted profit for FY March '26, which is the final fiscal year of the current medium-term management plan is expected to increase considerably to around JPY 162 billion. Please turn to Page 5. This page shows our shareholder returns. Reflecting the increased profit level, we have increased the dividend per share by JPY 20 for FY 2025 and set a total payout ratio of around 55% for a single fiscal year, thereby enhancing shareholder returns and improving predictability. On November 14, 2025, the company decided to revise its financial results forecast upward and repurchase up to JPY 45 billion of treasury stocks.
Please turn to Page 6. This page shows the company's market valuation. The current relative TSR of the company has improved significantly due to the higher profit level and enhanced shareholder returns that we have discussed so far. Please look at Page 7. At present, adjusted ROE has increased, reaching the 9% range, while adjusted PBR has improved to around 0.9x. On the other hand, we recognize that price to EV remains undervalued at around 0.4x below the price to EV of 0.5x that corresponds to the adjusted net worth of EV and requires further improvement.
Please turn to Page 8. This page shows an overview of initiatives to further improve market valuation. In the next medium-term management plan, we will first work on the 3 pillars of our growth strategy, reversal of policies in force through the establishment of a sales structure, strengthening asset management capabilities and take on the future and our 5 measures aimed at achieving stronger business foundation in order to improve our market valuation so that we can achieve the market capitalization of JPY 2 trillion that we have tentatively indicated as a target.
Please turn to Page 11. I will explain in detail the 3 pillars of our growth strategy and measures to achieve stronger business foundation that I mentioned earlier. First, I will explain about reversal of policies in force through the establishment of a sales structure. During the period of current medium-term management plan, although the number of new policies increased due to the introduction of new products that took advantage of the rise in interest rates, the number of policies in force has continued to decline.
In the next medium-term management plan, we aim for the reversal of the policies in force in the new category by establishing a sales structure in each channel as well as enhancing appeal of our products to meet customer needs, et cetera. Please turn to Page 12. Now I will explain the initiatives to revitalize sales channels and accelerate their growth. Regarding the post office counter channel, based on a customer-oriented sales foundation, we aim for revival of the channel and its return to growth trajectory while enhancing synergistic effect of Japan Post Group. In addition, regarding our directly managed channels, we aim for further acceleration of their growth by streamlining sales activities and by securing and developing sales staff.
By raising each channel through these efforts, we aim for the reversal of policies in force in the new category. Please turn to Page 13. Next, I will explain the pursuit of synergies in Japan Post Group. Japan Post Group has physical presence in every corner of the country and is deeply rooted in local communities. It has its own unique brand and large customer base. To meet the group's significant latent insurance needs, we will aim to expand our offering of insurance services while creating new points of contact with customers. Please turn to Page 14. I will explain about enhancing and enriching product appeal to meet customer needs. We have improved our product state to meet customer needs such as asset succession and preparation for children's educational funds by, for example, leveraging the transition to a world with positive interest rates.
We will continue to work on enhancing the appeal of our flagship level premium products and further expanding our product lineups that meet customer needs, et cetera, aiming to increase new policies and ratio of medical care products and thus improve profitability. Please turn to Page 15. Lastly, I will explain evolution of services utilizing digital technologies and AI. Based on our strength of trust and a sense of proximity. Also by utilizing digital technologies, we have enhanced our aftersales follow-up activities, including continuous and regular contact with customers and achieved greater convenience such as our transition to paperless billing procedures, et cetera.
We will continue to utilize digital technologies and AI to enable delivering services tailored to each customer's situation, thus enriching our follow-up activities and achieving more convenience of various procedures and seek greater improvements in customer experience. Please turn to Page 16. From here, I will explain the second pillar of our growth strategies, strengthening asset management capabilities. Please turn to Page 17. Despite the decrease in total assets, profitability has steadily improved as a result of appropriate risk-taking process based on ALM management under the ERM framework. We will continue to take advantage of the return of a world with interest rates to improve our portfolio of yen-denominated interest-bearing assets while continuing selective investment in return-seeking assets as we aim to achieve a record high profit spread in the next medium-term management plan.
Please turn to Page 18. Here, I will explain earnings improvement anticipating a world with interest rates. By actively replacing corporate and government bonds held while keeping trends in interest rates in mind, we will improve future investment returns in a cumulative manner. For hedged foreign bonds, we are maintaining some of the balance while improving the portfolio through replacement trading. Positive spread is expected to improve due to lower hedging costs and earnings are expected to increase from sales when interest rates decline. Please turn to Page 19. I will explain further promotion of the diversification of asset management. Alternative assets have been in a period of full-scale revenue collection contributing to income growth as a key revenue pillar.
Going forward, we will continue to implement selective investments as we aim to sustainably expand revenues by enhancing returns relative to risk. Please turn to Page 20. Here, I will explain the long-term vision of our asset management. In the next medium-term management plan, we will strengthen our operational foundations, including organization, personnel and systems to achieve both high returns relative to risk and improved net interest income. Furthermore, by promoting distinctive impact investments, we will contribute to solving social issues and discovering core companies in next-generation industries.
Thus, we aim to become one of the world's leading institutional investors. Please turn to Page 21. I will explain the third pillar of our growth strategies, take on the future. Please turn to Page 22. Our attempts to take on the future through alliances and investments are positioned as a key pillar of our growth strategy. We currently capture revenue in new fields, mainly the overseas insurance market and asset management business. In the next medium-term management plan, we will strengthen alliances with existing partners and broadly explore new areas aligned with our company that offer potential synergies and profit contributions with the aim of achieving returns exceeding the cost of capital of 7% to 8%.
Please turn to Page 24. I will explain about achieving stronger business foundation. The workload has undergone a steady reduction through the digitization of back-office operations, et cetera, and we expect to achieve the workload reduction equivalent to 2,000 employees as set forth in the current medium-term management plan. In the next medium-term management plan through the utilization of AI, et cetera, will further reduce workloads while shifting the freed up labor to areas that need to be strengthened such as sales support.
Please turn to Page 25. Now I will explain about upgrading liability management, et cetera. To improve capital efficiency, since FY 2023, we have reinsured policies with poor risk return rates among policies in the postal life insurance category that have a high rate of policyholder dividends. To increase ESR and improve returns, we continue to utilize reinsurance while closely monitor the market environment and reinsurance market trends. Please turn to Page 26. I will now explain the management behavior corresponding to the ESR standards. The graph on the left shows the transition of ESR.
The ESR as of September 30, 2025, was 208%, reflecting an increase in the amount of risk, mainly due to an increase in the risk of mass lapse due to rising interest rates, but also an increase in the amount of capital, primarily resulting from rising domestic stock prices compared to March 31, 2025. We continue efforts to ensure appropriate ESR with good stability. And if we exceed an appropriate ESR, we will consider further risk taking, such as increasing the share of return-seeking assets and investment for growth or additional shareholder return such as treasury stock acquisition. Regarding the risk amount, we aim to increase the share of insurance underwriting risk in the future by sustaining the current recovery trend in sales and maintain asset management risk taking while considering return relative to risk to enhance returns, thus aim for an efficient risk distribution.
Please turn to Page 27. Lastly, I'll explain about enhancing shareholder returns. Due to the enhanced shareholder returns explained at the outset, we anticipate that the total payout ratio will rise to around 47% during the current medium-term management plan period. For the next medium-term management plan, we'll consider creating an attractive shareholder return policy considering the level and visibility of shareholder returns while confirming future profit levels. This concludes my explanation. Thank you.
Japan Post Insurance Co — Q2 2026 Earnings Call
📊 Quarter at a Glance
- Adj. profit (FY26): About JPY 162B, a material uplift versus the current plan.
- Dividend: DPS up by JPY 20 for FY2025; payout target ≈55% for the year.
- Forecast & Buyback: Forecast raised on Nov 14, 2025; treasury stock buyback up to JPY 45B.
- Valuation: Adjusted ROE ≈9%; adjusted PBR ≈0.9x; P/EV around 0.4x, signaling undervaluation vs peer metrics.
- Strategic focus: Three growth pillars and digitalization reducing workloads by about 2,000 roles.
🎯 What Management Says
- Sales structure overhaul: Aims to reverse policies in force by reinvigorating channels, notably reviving the Post Office counter and boosting direct channels.
- Asset management intensification: Target record-high profit spread, diversify with alternative assets, and optimize hedging to lift returns.
- Future growth & alliances: Expand overseas insurance and asset management via stronger partnerships, aiming for returns above 7–8% cost of capital.
🔭 Outlook & Guidance
- Forecast & Returns: FY2026 adj. profit around JPY 162B; divisor growth supported by higher profit and shareholder returns; next MT plan will refine payout policy beyond current 47% ESR framework.
- Risks & Focus: Execution of channel revivals, interest-rate shifts, and policyholder behavior impacting premium income and lapses.
⚡ Bottom Line
Japan Post Insurance signals a clearer path to higher profits and stronger shareholder returns through a multi-channel sales revamp, upgraded asset management, and strategic alliances. A potential re-rating depends on delivering on the 2 trillion market-cap ambition and improving valuation metrics, while risks include policy lapses, regulatory shifts, and a volatile rate environment.
Disclaimer: This analysis was generated with AI. AI can also make mistakes. This is not investment advice.
Financial data from Japan Post Insurance Co
Revenue
Revenue is the sum of all sales generated by a company, e.g. for its products or services.
Revenue (TTM) metric explainedDirect Costs
Direct costs are the costs incurred directly in connection with the manufacture of the product or service.
Gross Profit
Gross Profit indicates how much of the revenue remains in the company after deducting direct production costs. If the percentage share of sales is calculated, this is referred to as the gross margin.
Gross Profit metric explainedSelling and Administrative Expenses
Selling, general and administrative expenses (SG&A) include all expenses for marketing and sales as well as the general administration of the company.
Research and Development Expense
Research and development costs (R&D) provide information on how much the company invests in the research and development of its products. The costs are particularly interesting as a percentage of revenue and in comparison to direct competitors.
EBITDA
EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) is the company's earnings before interest, taxes, depreciation and amortization. The EBITDA margin is calculated as a percentage of sales.
Depreciation and Amortization
Depreciation represents reductions in the value of the company's assets (e.g. due to wear and tear on machinery).
EBIT (Operating Income)
EBIT (Earnings Before Interest and Taxes) is the company's profit before interest and taxes, also known as the operating income. The EBIT Margin is calculated as a percentage of sales at
.
Net Profit
Net Profit represents the profit or loss after deduction of all costs.
Net Profit metric explainedStocksGuide Premium
| Jun '26 |
+/-
%
|
||
| Revenue & Premiums | 5,033,276 5,033,276 |
14%
14%
100%
|
|
| - Policy Benefits | 4,237,991 4,237,991 |
18%
18%
84%
|
|
| Underwriting Margin | 795,285 795,285 |
16%
16%
16%
|
|
| - SG&A | 413,571 413,571 |
3%
3%
8%
|
|
| - Other operating expenses | 71,670 71,670 |
4%
4%
1%
|
|
| EBITDA | - - |
-
-
|
|
| - Depreciation and Amortization | - - |
-
-
|
|
| EBIT (Operating Income) EBIT | 310,044 310,044 |
65%
65%
6%
|
|
| - Interest Expense | 36,218 36,218 |
97%
97%
1%
|
|
| - Tax Expense | 67,809 67,809 |
3,303%
3,303%
1%
|
|
| Net Profit | 168,274 168,274 |
23%
23%
3%
|
|
In millions JPY.
Don't miss a Thing! We will send you all news about Japan Post Insurance Co directly to your mailbox free of charge.
If you wish, we will send you an e-mail every morning with news on stocks of your portfolios.
Company Profile
JAPAN POST INSURANCE Co., Ltd. engages in the life insurance business. The company is headquartered in Chiyoda-Ku, Tokyo-To and currently employs 18,656 full-time employees. The company went IPO on 2015-11-04. The life insurance business performs insurance underwriting and asset management. The firm operates other financial businesses related to other insurance companies. The firm also performs simplified life insurance management services commissioned by the management organization.
StocksGuide Premium
| Head office | Japan |
| CEO | Mr. Tanigaki |
| Employees | 18,656 |
| Website | www.jp-life.japanpost.jp |
