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JAPAN POST BANKLtd

Market Cap

JP¥3.9t

Last Updated

2021/05/16 08:58 UTC

Data Sources

Company Financials +

Executive Summary

JAPAN POST BANK Co., Ltd. provides various banking products and services to retail and corporate clients in Japan and internationally. More Details


Snowflake Analysis

Adequate balance sheet with proven track record.


Similar Companies

Share Price & News

How has JAPAN POST BANKLtd's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 7182 is not significantly more volatile than the rest of JP stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: 7182's weekly volatility (3%) has been stable over the past year.


Market Performance


7 Day Return

2.3%

7182

0.5%

JP Banks

-2.5%

JP Market


1 Year Return

0.1%

7182

29.3%

JP Banks

28.6%

JP Market

Return vs Industry: 7182 underperformed the JP Banks industry which returned 29.3% over the past year.

Return vs Market: 7182 underperformed the JP Market which returned 28.6% over the past year.


Shareholder returns

7182IndustryMarket
7 Day2.3%0.5%-2.5%
30 Day4.8%1.7%-3.9%
90 Day0.8%8.2%-3.1%
1 Year4.7%0.1%35.2%29.3%31.4%28.6%
3 Year-18.1%-28.2%-14.7%-24.7%11.1%3.4%
5 Year-2.2%-20.3%14.4%-4.8%54.9%37.9%

Long-Term Price Volatility Vs. Market

How volatile is JAPAN POST BANKLtd'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 BANKLtd undervalued compared to its fair value and its price relative to the market?

13.52x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 7182 (¥1045) is trading above our estimate of fair value (¥627.71)

Significantly Below Fair Value: 7182 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 7182 is poor value based on its PE Ratio (13.5x) compared to the JP Banks industry average (9.7x).

PE vs Market: 7182 is good value based on its PE Ratio (13.5x) compared to the JP market (16.2x).


Price to Earnings Growth Ratio

PEG Ratio: 7182's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


Price to Book Ratio

PB vs Industry: 7182 is overvalued based on its PB Ratio (0.3x) compared to the JP Banks industry average (0.2x).


Future Growth

How is JAPAN POST BANKLtd forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?

-2.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 7182's earnings are forecast to decline over the next 3 years (-2.1% per year).

Earnings vs Market: 7182's earnings are forecast to decline over the next 3 years (-2.1% per year).

High Growth Earnings: 7182's earnings are forecast to decline over the next 3 years.

Revenue vs Market: 7182's revenue is expected to decline over the next 3 years (-4.7% per year).

High Growth Revenue: 7182's revenue is forecast to decline over the next 3 years (-4.7% per year).


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 7182's Return on Equity is forecast to be low in 3 years time (2.6%).


Past Performance

How has JAPAN POST BANKLtd performed over the past 5 years?

-5.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 7182 has high quality earnings.

Growing Profit Margin: 7182's current net profit margins (19.5%) are higher than last year (18.6%).


Past Earnings Growth Analysis

Earnings Trend: 7182's earnings have declined by 5.6% per year over the past 5 years.

Accelerating Growth: 7182's earnings growth over the past year (6.1%) exceeds its 5-year average (-5.6% per year).

Earnings vs Industry: 7182 earnings growth over the past year (6.1%) exceeded the Banks industry -12.8%.


Return on Equity

High ROE: 7182's Return on Equity (2.5%) is considered low.


Financial Health

How is JAPAN POST BANKLtd'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


Financial Institutions Analysis

Asset Level: 7182's Assets to Equity ratio (19.4x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if 7182 has a sufficient allowance for bad loans.

Low Risk Liabilities: 89% of 7182's liabilities are made up of primarily low risk sources of funding.

Loan Level: 7182 has an appropriate level of Loans to Assets ratio (2%).

Low Risk Deposits: 7182's Loans to Deposits ratio (3%) is appropriate.

Level of Bad Loans: Insufficient data to determine if 7182 has an appropriate level of bad loans.


Dividend

What is JAPAN POST BANKLtd current dividend yield, its reliability and sustainability?

4.78%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 7182's dividend (4.78%) is higher than the bottom 25% of dividend payers in the JP market (1.29%).

High Dividend: 7182's dividend (4.78%) is in the top 25% of dividend payers in the JP market (2.94%)


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, 7182 has been paying a dividend for less than 10 years.

Growing Dividend: 7182's dividend payments have increased, but the company has only paid a dividend for 5 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (64.7%), 7182's dividend payments are 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

How experienced are the management team and are they aligned to shareholders interests?

5.8yrs

Average management tenure


CEO

Norito Ikeda (73 yo)

no data

Tenure

Mr. Norito Ikeda has been President and Representative Executive Officer at Japan Post Bank Co., Ltd. since April 1, 2016 and serves its Chief Executive Officer. Mr. Ikeda was Special Advisor at A.T. Kearn...


Leadership Team

Experienced Management: 7182's management team is seasoned and experienced (5.8 years average tenure).


Board Members

Experienced Board: 7182's board of directors are not considered experienced ( 1.9 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

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.


Top Shareholders

Company Information

JAPAN POST BANK Co.,Ltd.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: JAPAN POST BANK Co.,Ltd.
  • Ticker: 7182
  • Exchange: TSE
  • Founded: 2006
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: JP¥3.917t
  • Shares outstanding: 3.75b
  • Website: https://www.jp-bank.japanpost.jp

Number of Employees


Location

  • JAPAN POST BANK Co.,Ltd.
  • 2-3-1 Otemachi
  • Chiyoda-ku
  • Tokyo
  • 100-8793
  • Japan

Listings


Biography

JAPAN POST BANK Co., Ltd. provides various banking products and services to retail and corporate clients in Japan and internationally. The company offers liquid deposits, including transfer deposits, savin...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/16 08:58
End of Day Share Price2021/05/14 00:00
Earnings2020/12/31
Annual Earnings2020/03/31


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.