Japan Post Insurance Co., Ltd. logo

Japan Post Insurance Co., Ltd.

7181.T

JPXFinancial ServicesInsurance - Life

Latest quote

¥1,636.5

−¥15.00 · -0.91%

Aug 24, 3:30 PM JST

7181.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Japan Post Insurance Co., Ltd. primarily operates as a life insurance provider within Japan. Beyond its core offerings, the company also furnishes administrative and agency support for other insurance firms, including international ones, as well as for various financial services companies. Additionally, it provides loan guarantees. The company actively participates in financial markets, engaging in the trading of government and government-guaranteed bonds, handling subscriptions for corporate, government, and other bonds, and conducting commissioned management activities. A significant aspect of its business includes the management of postal life insurance policies. Japan Post Insurance distributes its products and services to both individual and corporate clients through a network of agencies and directly managed sales offices. Established in 2006, the company is headquartered in Tokyo, Japan.

Industry
Insurance - Life
Sector
Financial Services
Headquarters
JP
CEO
Toru Onishi
Listed since
Nov 4, 2015
Employees
18,487

Market position

Day range

Current ¥1,636.5

52-week range

Current ¥1,636.5

Open
¥1,652
Previous close
¥1,651.5
Volume
1.48M
0.58× average
Average volume
2.52M
Average daily volume
Market cap
1.77T JPY
Beta
0.05
Market reference 1
50-day average
¥1,637.92
-0.09% below average
200-day average
¥1,579.79
+3.59% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-2.98T JPY
EV / EBITDA
-9.76×
Earnings yield
9.69%
Free cash flow yield
-108.31%

Profitability & efficiency

Return on equity
4.06%
Return on assets
0.29%
Return on invested capital
0.27%

Financial health

Current ratio
8.68×
Altman Z-score
0.32
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends15%-13%-41%-69%Gross margin, FY2022: -41.76%Gross margin, FY2023: -56.70%Gross margin, FY2024: -62.17%Gross margin, FY2025: -17.48%Gross margin, FY2026: -28.48%Operating margin, FY2022: 6.36%Operating margin, FY2023: 4.37%Operating margin, FY2024: 4.34%Operating margin, FY2025: 3.33%Operating margin, FY2026: 7.66%Net margin, FY2022: 4.56%Net margin, FY2023: 3.10%Net margin, FY2024: 3.11%Net margin, FY2025: 3.51%Net margin, FY2026: 5.47%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 -41.76%. Gross margin FY2023 -56.70%. Gross margin FY2024 -62.17%. Gross margin FY2025 -17.48%. Gross margin FY2026 -28.48%. Operating margin FY2022 6.36%. Operating margin FY2023 4.37%. Operating margin FY2024 4.34%. Operating margin FY2025 3.33%. Operating margin FY2026 7.66%. Net margin FY2022 4.56%. Net margin FY2023 3.10%. Net margin FY2024 3.11%. Net margin FY2025 3.51%. Net margin FY2026 5.47%.

Income trends

Revenue

3.08T JPY-12.23%

Operating income

236.19B JPY+101.98%

Net income

168.8B JPY+36.71%
Income trends across reported periods3.86T JPY2.49T JPY1.12T JPY−255.65B JPYRevenue, FY2022: 3.47T JPYRevenue, FY2023: 3.15T JPYRevenue, FY2024: 2.8T JPYRevenue, FY2025: 3.51T JPYRevenue, FY2026: 3.08T JPYOperating income, FY2022: 220.58B JPYOperating income, FY2023: 137.83B JPYOperating income, FY2024: 121.24B JPYOperating income, FY2025: 116.94B JPYOperating income, FY2026: 236.19B JPYNet income, FY2022: 158.06B JPYNet income, FY2023: 97.61B JPYNet income, FY2024: 87.06B JPYNet income, FY2025: 123.47B JPYNet income, FY2026: 168.8B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 3.47T JPY. Revenue FY2023 3.15T JPY. Revenue FY2024 2.8T JPY. Revenue FY2025 3.51T JPY. Revenue FY2026 3.08T JPY. Operating income FY2022 220.58B JPY. Operating income FY2023 137.83B JPY. Operating income FY2024 121.24B JPY. Operating income FY2025 116.94B JPY. Operating income FY2026 236.19B JPY. Net income FY2022 158.06B JPY. Net income FY2023 97.61B JPY. Net income FY2024 87.06B JPY. Net income FY2025 123.47B JPY. Net income FY2026 168.8B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue3.08T JPY3.51T JPY2.8T JPY3.15T JPY3.47T JPY
Cost of goods sold3.96T JPY4.13T JPY4.53T JPY4.94T JPY4.92T JPY
Gross profit−878.36B JPY−614.24B JPY−1.74T JPY−1.79T JPY−1.45T JPY
Operating expenses−1.11T JPY−731.18B JPY−1.86T JPY−1.93T JPY−1.67T JPY
Interest expense31.1B JPY13.64B JPY4.99B JPY4.64B JPY2.35B JPY
Depreciation and amortization38.47B JPY39.11B JPY41.22B JPY39.49B JPY54.56B JPY
Operating income236.19B JPY116.94B JPY121.24B JPY137.83B JPY220.58B JPY
Net income168.8B JPY123.47B JPY87.06B JPY97.61B JPY158.06B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
50%
5 beats, 5 misses, 0 met estimates
Average EPS surprise
+14.71%
10 comparable reports
Latest EPS result
31.72
Estimate 34.61 · Miss by 8.35%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates55.8942.629.316.01Q1 '25MissQ2 '25BeatQ3 '25No estimateQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 18.76, estimate 26.44, surprise -29.05%, Miss. Q2 2025, reported May 15, 2025: actual 34, estimate 31.57, surprise +7.70%, Beat. Q3 2025, reported Aug 8, 2025: actual 31.06, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 53.14, estimate 32.74, surprise +62.31%, Beat. Q1 2026, reported Feb 13, 2026: actual 22.3, estimate 31.81, surprise -29.90%, Miss. Q2 2026, reported May 15, 2026: actual 46.11, estimate 36.52, surprise +26.26%, Beat. Q3 2026, reported Aug 7, 2026: actual 31.72, estimate 34.61, surprise -8.35%, Miss. Q4 2026, reported Nov 12, 2026: actual —, estimate 35.57, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates1.84T1.61T1.38T1.15TQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 1.39T JPY, estimate 1.45T JPY, surprise -4.09%, Miss. Q2 2025, reported May 15, 2025: actual 1.77T JPY, estimate 1.6T JPY, surprise +11.01%, Beat. Q3 2025, reported Aug 8, 2025: actual 1.47T JPY, estimate 1.38T JPY, surprise +6.33%, Beat. Q4 2025, reported Nov 14, 2025: actual 1.51T JPY, estimate 1.52T JPY, surprise -0.76%, Miss. Q1 2026, reported Feb 13, 2026: actual 1.22T JPY, estimate 1.36T JPY, surprise -10.20%, Miss. Q2 2026, reported May 15, 2026: actual 1.53T JPY, estimate 1.62T JPY, surprise -5.67%, Miss. Q3 2026, reported Aug 7, 2026: actual 1.33T JPY, estimate 1.4T JPY, surprise -4.91%, Miss. Q4 2026, reported Nov 12, 2026: actual —, estimate 1.41T JPY, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Mar 30, 2026

3:1

7181.T peers

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