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Japan Post Insurance Co., Ltd. (7181) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Japan Post Insurance Co., Ltd.

7181Market cap $12BPrice $10.6

Country🇯🇵Japan

SectorFinancials

IndustryInsurance

Sells life insurance policies through Japan's postal network, reaching customers in even the most remote towns. Once state-run and still government-linked, it remains one of Japan's largest insurers despite a shrinking, aging customer base.

In Bastion Portfolios?

52W Return+20%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-6%1

Revenue Forecast

Rev CAGR (1y)-8%1

Rev CAGR (3y)-2%1

Rev CAGR (5y)-2%1

Earnings Forecast

EPS Growth Y+1-57%1

EPS Growth Y+2+8%6

EPS Growth Y+3+10%6

Quality

Margins

EBIT Margin20%7

Net Income Margin5%4

Free Cash Flow Margin-56%1

Debt

Net Debt/EBITDA6.81

Efficiency

ROE4%3

ROAna–

Earnings Stability44

GEAR+VERY WEAK7

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)263

P/E Ratio (Forward 3y)222

P/BV0.410

EV Multiples

EV/EBITDA Fwd323

EV/EBIT Fwd283

Yield

Free Cash Flow Yield0.0%9

Dividend Yieldna–

Momentum

Short term

1 month return-0%8

3 month return+5%8

YTD return+11%7

Mid term

Price vs 52wHigh92%9

1 year return+23%7

Long term

3 year return+114%8

5 year return+203%9

Risk Shield

Price Risk

Beta0.48

Volatility34%6

Free Cash Flow

Free Cash Flow Margin-56%1

Free Cash Flow Yield0.0%9

Quality

ROCE3%–

Earnings Stability44

Net Debt/EBITDA6.81

02Growth

Is it actually growing, and how fast?

7181Japan Post Insurance Co.

Revenue FY26$18.4B

GROWTH RATING↗

VERY WEAK2 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-6%1

Revenue, next 1Y-8%1

Revenue, next 3Y, CAGR-2%1

Revenue, next 5Y, CAGR-2%1

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-57%1

EPS growth, FY28E+8%6

EPS growth, FY29E+10%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue fell 6%/yr over the last 3 years, and it is still set to shrink 2%/yr.

Earnings are set to grow faster than sales (EPS about 8%/yr vs revenue -2%/yr), so margins should widen. One year dips: EPS falls 57% next year.

WEAKNESSES

Growth is the weak spot here, trailing 98% of companies worldwide.

Revenue fell 6%/yr over the last 3 years, behind 90% of companies worldwide.1/10

Revenue is set to shrink 2%/yr over the next 3 years, behind most of the market.1/10

Over five years revenue is set to shrink 2%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business whose decline is easing. The one thing to watch: revenue has shrunk over the past 3 years.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG89 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+5%8

YTD return+11%7

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+23%7

3-year return+114%8

5-year return+203%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +114% over three years and +203% over five, ahead of 80% of the market.

It's up 23% over the past year, now 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+5%) and so far this year (+11%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Japan Post Insurance Co., Ltd.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

7181Japan Post Insurance Co.

Revenue FY26$18.4B

GROWTH RATING↗

VERY WEAK2 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-6%1

Revenue, next 1Y-8%1

Revenue, next 3Y, CAGR-2%1

Revenue, next 5Y, CAGR-2%1

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-57%1

EPS growth, FY28E+8%6

EPS growth, FY29E+10%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue fell 6%/yr over the last 3 years, and it is still set to shrink 2%/yr.

Earnings are set to grow faster than sales (EPS about 8%/yr vs revenue -2%/yr), so margins should widen. One year dips: EPS falls 57% next year.

WEAKNESSES

Growth is the weak spot here, trailing 98% of companies worldwide.

Revenue fell 6%/yr over the last 3 years, behind 90% of companies worldwide.1/10

Revenue is set to shrink 2%/yr over the next 3 years, behind most of the market.1/10

Over five years revenue is set to shrink 2%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business whose decline is easing. The one thing to watch: revenue has shrunk over the past 3 years.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG89 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+5%8

YTD return+11%7

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+23%7

3-year return+114%8

5-year return+203%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +114% over three years and +203% over five, ahead of 80% of the market.

It's up 23% over the past year, now 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+5%) and so far this year (+11%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Japan Post Insurance Co., Ltd.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community