Executive Summary
Japan Post Insurance Co., Ltd. provides life insurance products and services in Japan.
Rewards
Risk Analysis
Earnings are forecast to decline by an average of -8.7% per year for the next 3 years
Snowflake Analysis
Fair value second-rate dividend payer.
Similar Companies
Share Price & News
How has Japan Post Insurance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 4JP has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
2.6%
4JP
1.7%
DE Insurance
0.7%
DE Market
1 Year Return
-21.7%
4JP
31.5%
DE Insurance
15.1%
DE Market
Return vs Industry: 4JP underperformed the German Insurance industry which returned 31.5% over the past year.
Return vs Market: 4JP underperformed the German Market which returned 15.1% over the past year.
Shareholder returns
| 4JP | Industry | Market | |
|---|---|---|---|
| 7 Day | 2.6% | 1.7% | 0.7% |
| 30 Day | 8.9% | 0.4% | -0.7% |
| 90 Day | 15.2% | 7.8% | 5.9% |
| 1 Year | -17.4%-21.7% | 37.2%31.5% | 18.7%15.1% |
| 3 Year | -14.6%-23.0% | 63.3%43.6% | 19.2%8.6% |
| 5 Year | n/a | 113.0%70.6% | 39.0%20.1% |
Price Volatility Vs. Market
How volatile is Japan Post Insurance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Japan Post Insurance undervalued compared to its fair value and its price relative to the market?
8.78x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 4JP (€15.9) is trading above our estimate of fair value (€15.19)
Significantly Below Fair Value: 4JP is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 4JP is good value based on its PE Ratio (8.8x) compared to the Insurance industry average (11.8x).
PE vs Market: 4JP is good value based on its PE Ratio (8.8x) compared to the German market (20.8x).
Price to Earnings Growth Ratio
PEG Ratio: 4JP's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 4JP is good value based on its PB Ratio (0.5x) compared to the DE Insurance industry average (1.1x).
Next Steps
Future Growth
How is Japan Post Insurance forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
-8.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 4JP's earnings are forecast to decline over the next 3 years (-8.7% per year).
Earnings vs Market: 4JP's earnings are forecast to decline over the next 3 years (-8.7% per year).
High Growth Earnings: 4JP's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 4JP's revenue (1.9% per year) is forecast to grow slower than the German market (4.9% per year).
High Growth Revenue: 4JP's revenue (1.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 4JP's Return on Equity is forecast to be low in 3 years time (5.2%).
Next Steps
Past Performance
How has Japan Post Insurance performed over the past 5 years?
12.6%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 4JP has a high level of non-cash earnings.
Growing Profit Margin: 4JP's current net profit margins (2.7%) are higher than last year (2.3%).
Past Earnings Growth Analysis
Earnings Trend: 4JP's earnings have grown by 12.6% per year over the past 5 years.
Accelerating Growth: 4JP's earnings growth over the past year (5%) is below its 5-year average (12.6% per year).
Earnings vs Industry: 4JP earnings growth over the past year (5%) underperformed the Insurance industry 7.8%.
Return on Equity
High ROE: 4JP's Return on Equity (5.7%) is considered low.
Return on Assets
Return on Capital Employed
Next Steps
Financial Health
How is Japan Post Insurance's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: 4JP has a low level of unsold assets or inventory.
Debt Coverage by Assets: 4JP's debt is covered by short term assets (assets are 2x debt).
Financial Institutions Analysis
Asset Level: 4JP's level of assets compared to its equity is very high.
Allowance for Bad Loans: Insufficient data to determine if 4JP has a sufficient allowance for bad loans.
Low Risk Liabilities: 4JP reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 4JP has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 4JP has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 4JP has an appropriate level of bad loans.
Next Steps
Dividend
What is Japan Post Insurance's current dividend yield, its reliability and sustainability?
3.93%
Current Dividend Yield
Upcoming Dividend Payment
Purchase Japan Post Insurance before the 'Buy Limit' to receive their next dividend payment.
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: 4JP's dividend (3.93%) is higher than the bottom 25% of dividend payers in the German market (1.38%).
High Dividend: 4JP's dividend (3.93%) is in the top 25% of dividend payers in the German market (3.61%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, 4JP has been paying a dividend for less than 10 years.
Growing Dividend: 4JP's dividend payments have increased, but the company has only paid a dividend for 4 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (48.2%), 4JP's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
What is the CEO of Japan Post Insurance's salary, the management and board of directors tenure and is there insider trading?
3.0yrs
Average management tenure
CEO
Mitsuhiko Uehira (63yo)
2.5yrs
Tenure
Mr. Mitsuhiko Uehira has been the President, CEO, Representative Executive Officer and Director at Japan Post Insurance Co. Ltd. since June 2017. Mr. Uehira has been the Director of Japan Post Holdings Co. ...
Management Age and Tenure
3.0yrs
Average Tenure
59.5yo
Average Age
Experienced Management: 4JP's management team is considered experienced (3 years average tenure).
Board Age and Tenure
2.5yrs
Average Tenure
65yo
Average Age
Experienced Board: 4JP's board of directors are not considered experienced ( 2.5 years average tenure), which suggests a new board.
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Management Team
Masaaki Horigane (63yo)
Deputy President
- Tenure: 2.5yrs
Yoshito Horiie (60yo)
Senior Managing Executive Officer
- Tenure: 3.7yrs
Mitsuhiko Uehira (63yo)
President
- Tenure: 2.5yrs
Tomoaki Nara (58yo)
Managing Executive Officer
- Tenure: 0yrs
Nobuyasu Kato (54yo)
Managing Executive Officer
- Tenure: 3.5yrs
Yasuaki Hironaka (56yo)
Managing Executive Officer
- Tenure: 3.5yrs
Yasumi Suzukawa (60yo)
Managing Executive Officer
- Tenure: 2.5yrs
Tetsuya Senda (59yo)
Deputy President & Representative Executive Officer
- Tenure: 0.7yrs
Toru Onishi (53yo)
Executive Officer & Senior GM of Kinki Regional Headquarters
- Tenure: 0yrs
Michiko Matsuda (64yo)
Managing Executive Officer
- Tenure: 1.5yrs
Board Members
Masatsugu Nagato (71yo)
Director
- Tenure: 3.5yrs
Tamotsu Saito (67yo)
Outside Director
- Tenure: 2.5yrs
Kazuyuki Harada (65yo)
Outside Director
- Tenure: 1.5yrs
Masako Suzuki (65yo)
Outside Director
- Tenure: 3.5yrs
Meyumi Yamada (47yo)
Outside Director
- Tenure: 2.5yrs
Masaaki Horigane (63yo)
Deputy President
- Tenure: 2.5yrs
Mitsuhiko Uehira (63yo)
President
- Tenure: 2.5yrs
Michiaki Ozaki (67yo)
Outside Director
- Tenure: 2.5yrs
Yoshie Komuro (44yo)
Outside Director
- Tenure: 2.5yrs
Company Information
Japan Post Insurance Co., Ltd.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Japan Post Insurance Co., Ltd.
- Ticker: 4JP
- Exchange: DB
- Founded: 2006
- Industry: Life and Health Insurance
- Sector: Insurance
- Market Cap: JP¥1.087t
- Listing Market Cap: JP¥9.009b
- Shares outstanding: 562.41m
- Website: https://www.jp-life.japanpost.jp
Number of Employees
Location
- Japan Post Insurance Co., Ltd.
- Otemachi Place West Tower 3-1
- Otemachi 2-chome
- Tokyo
- 100-8794
- Japan
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| 7181 | TSE (The Tokyo Stock Exchange) | Yes | Common Stock | JP | JPY | Nov 2015 |
| 4JP | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Nov 2015 |
| JPPI.F | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Nov 2015 |
Biography
Japan Post Insurance Co., Ltd. provides life insurance products and services in Japan. It also offers agency or administrative services for other insurance companies, including foreign insurance companies; ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/12/10 22:53 |
| End of Day Share Price | 2019/12/10 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2019/03/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.