OTCPK:JPST.F

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Adequate balance sheet second-rate dividend payer.

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


Market Performance


7 Day Return

0%

OTCPK:JPST.F

3.3%

US Banks

2.1%

US Market


1 Year Return

n/a

OTCPK:JPST.F

-13.8%

US Banks

-0.04%

US Market

No trading data on JPST.F.

No trading data on JPST.F.


Share holder returns

JPST.FIndustryMarket
7 Day0%3.3%2.1%
30 Day0%-7.0%-3.2%
90 Day0%-2.3%2.8%
1 Yearn/a-11.3%-13.8%2.2%-0.04%
3 Yearn/a42.5%32.7%41.5%32.3%
5 Yearn/a54.2%37.6%55.0%37.8%

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 based on future cash flows and its price relative to the stock market?

15.66x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for JAPAN POST BANKLtd to establish if it is available at moderate discount.

Unable to calculate intrinsic value for JAPAN POST BANKLtd to establish if it is available at substantial discount.


Price Based on Earnings

JAPAN POST BANKLtd is overvalued based on earnings compared to the US Banks industry average.

JAPAN POST BANKLtd is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

JAPAN POST BANKLtd earnings are not expected to grow next year, we can't assess if its growth is good value.


Price Based on Value of Assets

JAPAN POST BANKLtd is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is JAPAN POST BANKLtd expected to perform in the next 1 to 3 years based on estimates from 9 analysts?

-3.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

JAPAN POST BANKLtd's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.

JAPAN POST BANKLtd's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

JAPAN POST BANKLtd's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.

JAPAN POST BANKLtd's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

JAPAN POST BANKLtd's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

JAPAN POST BANKLtd is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

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

-3.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

JAPAN POST BANKLtd's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.

JAPAN POST BANKLtd's 1-year earnings growth is negative, it can't be compared to the 5-year average.

JAPAN POST BANKLtd's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

JAPAN POST BANKLtd has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

JAPAN POST BANKLtd used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if JAPAN POST BANKLtd improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

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

Information is not available.

Information is not available.


Financial Institutions Analysis

JAPAN POST BANKLtd has an acceptable proportion of non-loan assets held.

Unable to establish if JAPAN POST BANKLtd has a sufficient allowance for bad loans without relevant financial data.

JAPAN POST BANKLtd's liabilities are made up of primarily low risk sources of funding.

JAPAN POST BANKLtd's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at JAPAN POST BANKLtd are broadly funded by customer deposits.

Unable to establish if JAPAN POST BANKLtd has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

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

4.50%

Expected Dividend Yield


Dividend Yield and Payments Analysis

JAPAN POST BANKLtd's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).

JAPAN POST BANKLtd's dividend is above the markets top 25% of dividend payers in United States of America (3.71%).

Whilst dividend payments have been stable, JAPAN POST BANKLtd has been paying a dividend for less than 10 years.

Dividend payments have increased, but JAPAN POST BANKLtd only paid a dividend in the past 3 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.4x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of JAPAN POST BANKLtd's salary, the management and board of directors tenure and is there insider trading?

4.2yrs

Average management tenure


CEO

Norito Ikeda (72yo)

0.0yrs

Tenure

0

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


Management Age and Tenure

4.2yrs

Average Tenure

60.5yo

Average Age

The tenure for the JAPAN POST BANKLtd management team is about average.


Board Age and Tenure

4.1yrs

Average Tenure

66.5yo

Average Age

The tenure for the JAPAN POST BANKLtd board of directors is about average.


Insider Trading

No 3 month individual insider trading information.


Ownership Breakdown


Management Team

  • Susumu Tanaka (60yo)

    Representative Executive VP & Director

    • Tenure: 6.1yrs
  • Norito Ikeda (72yo)

    President

    • Tenure: 0.0yrs
  • Masahiro Murashima (64yo)

    Senior Managing Executive Officer

    • Tenure: 7.3yrs
  • Hiroichi Shishimi

    Senior Managing Executive Officer

    • Tenure: 3.1yrs
  • Harumi Yano (58yo)

    Chief of ALM Planning Office & Senior Managing Executive Officer

    • Tenure: 8.3yrs
  • Masahiro Nishimori (61yo)

    Managing Executive Officer

    • Tenure: 4.0yrs
  • Minoru Kotouda

    Managing Executive Officer

    • Tenure: 6.3yrs
  • Toshiharu Ono

    Executive Officer & Manager of Finance Department

    • Tenure: 4.1yrs
  • Masato Tamaki (57yo)

    Managing Executive Officer

    • Tenure: 3.1yrs
  • . Yamano

    IR Contact

    • Tenure: 0.0yrs

Board Members

  • Susumu Tanaka (60yo)

    Representative Executive VP & Director

    • Tenure: 6.1yrs
  • Ryoji Chubachi (72yo)

    Outside Director

    • Tenure: 1.1yrs
  • Norito Ikeda (72yo)

    President

    • Tenure: 0.0yrs
  • Masatsugu Nagato (71yo)

    Director

    • Tenure: 4.2yrs
  • Tomoyoshi Arita (71yo)

    Outside Director

    • Tenure: 9.1yrs
  • Sawako Nohara (61yo)

    Outside Director

    • Tenure: 5.1yrs
  • Tetsu Machida (59yo)

    Outside Director

    • Tenure: 5.1yrs
  • Nobuko Akashi (63yo)

    Outside Director

    • Tenure: 4.1yrs
  • Katsuaki Ikeda (68yo)

    Outside Director

    • Tenure: 3.9yrs
  • Ryoichi Nakazato (65yo)

    Director

    • Tenure: 2.1yrs

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: JPST.F
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: JP¥4.169t
  • Listing Market Cap: JP¥38.440b
  • 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
7182TSE (The Tokyo Stock Exchange)YesCommon StockJPJPYNov 2015
5JPDB (Deutsche Boerse AG)YesCommon StockDEEURNov 2015
JPST.FOTCPK (Pink Sheets LLC)YesCommon StockUSUSDNov 2015

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 Analysis2019/07/11 00:56
End of Day Share Price2019/04/12 00:00
Earnings2019/03/31
Annual Earnings2019/03/31


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.