company background image
7182

JAPAN POST BANKLtdTSE:7182 Stock Report

Last Price

JP¥1.10k

Market Cap

JP¥4.1t

7D

-2.2%

1Y

23.9%

Updated

21 Jan, 2022

Data

Company Financials +
7182 fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance4/6
Financial Health4/6
Dividends3/6

7182 Stock Overview

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

JAPAN POST BANKLtd Competitors

Mitsubishi UFJ Financial Group

TSE:8306

JP¥8.6t

Sumitomo Mitsui Financial Group

TSE:8316

JP¥5.6t

Mizuho Financial Group

TSE:8411

JP¥3.9t

Aozora Bank

TSE:8304

JP¥297.4b

Price History & Performance

Summary of all time highs, changes and price drops for JAPAN POST BANKLtd
Historical stock prices
Current Share PriceJP¥1,098.00
52 Week HighJP¥1,149.00
52 Week LowJP¥851.00
Beta0.23
1 Month Change5.27%
3 Month Change19.48%
1 Year Change23.93%
3 Year Change-12.23%
5 Year Change-21.57%
Change since IPO-34.29%

Recent News & Updates

Shareholder Returns

7182JP BanksJP Market
7D-2.2%-3.5%-2.1%
1Y23.9%23.6%2.3%

Return vs Industry: 7182 matched the JP Banks industry which returned 23.6% over the past year.

Return vs Market: 7182 exceeded the JP Market which returned 2.3% over the past year.

Price Volatility

Is 7182's price volatile compared to industry and market?
7182 volatility
7182 Average Weekly Movement3.2%
Banks Industry Average Movement3.3%
Market Average Movement4.2%
10% most volatile stocks in JP Market8.5%
10% least volatile stocks in JP Market2.3%

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.

About the Company

FoundedEmployeesCEOWebsite
200612,508Norito Ikedahttps://www.jp-bank.japanpost.jp

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, savings deposits, ordinary deposits, etc.; fixed-term deposits, such as time deposits, TEIGAKU deposits, etc.; and other deposits, as well as negotiable certificates of deposit. It also provides loans secured by deposits, loans secured by Japanese government bonds, and credit card loans, as well as loans to local, central, and regional government authorities; syndicated loans; and corporate and other secondary market loans.

JAPAN POST BANKLtd Fundamentals Summary

How do JAPAN POST BANKLtd's earnings and revenue compare to its market cap?
7182 fundamental statistics
Market CapJP¥4.12t
Earnings (TTM)JP¥391.23b
Revenue (TTM)JP¥1.68t

10.5x

P/E Ratio

0.4x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
7182 income statement (TTM)
RevenueJP¥1.68t
Cost of RevenueJP¥0
Gross ProfitJP¥1.68t
ExpensesJP¥1.29t
EarningsJP¥391.23b

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

Feb 14, 2022

Earnings per share (EPS)104.38
Gross Margin100.00%
Net Profit Margin23.24%
Debt/Equity Ratio186.1%

How did 7182 perform over the long term?

See historical performance and comparison

Dividends

4.3%

Current Dividend Yield

48%

Payout Ratio

Does 7182 pay a reliable dividends?

See 7182 dividend history and benchmarks
When do you need to buy 7182 by to receive an upcoming dividend?
JAPAN POST BANKLtd dividend dates
Ex Dividend DateMar 30 2022
Dividend Pay DateJun 18 2022
Days until Ex dividend67 days
Days until Dividend pay date147 days

Does 7182 pay a reliable dividends?

See 7182 dividend history and benchmarks

Valuation

Is JAPAN POST BANKLtd undervalued compared to its fair value and its price relative to the market?

26.4%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: 7182 (¥1098) is trading below our estimate of fair value (¥1491.43)

Significantly Below Fair Value: 7182 is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: 7182 is poor value based on its PE Ratio (10.5x) compared to the JP Banks industry average (7.6x).

PE vs Market: 7182 is good value based on its PE Ratio (10.5x) compared to the JP market (12.6x).


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 (0.4x) 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?

-3.1%

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 (-3.1% per year).

Earnings vs Market: 7182's earnings are forecast to decline over the next 3 years (-3.1% 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 (-5.7% per year).

High Growth Revenue: 7182's revenue is forecast to decline over the next 3 years (-5.7% 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 (2.7%).


Past Performance

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

-1.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 7182 has high quality earnings.

Growing Profit Margin: 7182's current net profit margins (23.2%) are higher than last year (17.8%).


Past Earnings Growth Analysis

Earnings Trend: 7182's earnings have declined by 1.5% per year over the past 5 years.

Accelerating Growth: 7182's earnings growth over the past year (54.8%) exceeds its 5-year average (-1.5% per year).

Earnings vs Industry: 7182 earnings growth over the past year (54.8%) exceeded the Banks industry 35.1%.


Return on Equity

High ROE: 7182's Return on Equity (3.4%) 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 (19.8x) 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 (3%).

Low Risk Deposits: 7182's Loans to Deposits ratio (4%) 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?

4.28%

Current Dividend Yield


Upcoming Dividend Payment

TodayJan 22 2022Ex Dividend DateMar 30 2022Dividend Pay DateJun 18 202280 days from Ex DividendBuy in the next 67 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: 7182's dividend (4.28%) is higher than the bottom 25% of dividend payers in the JP market (1.49%).

High Dividend: 7182's dividend (4.28%) is in the top 25% of dividend payers in the JP market (3.37%)


Stability and Growth of Payments

Stable Dividend: 7182 has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: 7182's dividend payments have increased, but the company has only paid a dividend for 6 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (47.9%), 7182'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

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

5.6yrs

Average management tenure


CEO

Norito Ikeda (74 yo)

5.75yrs

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 (5.6 years average tenure).


Board Members

Experienced Board: 7182's board of directors are not considered experienced ( 2.6 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 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
  • Implied Market Cap: JP¥4.115t
  • 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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/21 15:47
End of Day Share Price2022/01/21 00:00
Earnings2021/09/30
Annual Earnings2021/03/31


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.