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JAPAN POST BANK Co., Ltd.

7182.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥3,158

+¥7.00 · +0.22%

Aug 24, 2:36 PM JST

7182.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

JAPAN POST BANK Co., Ltd. delivers a broad spectrum of financial products and services to retail and corporate clients, both domestically in Japan and internationally. The bank provides diverse deposit accounts, including demand deposits like transfer, savings, and ordinary accounts, as well as various fixed-term options such as time deposits and TEIGAKU deposits, in addition to negotiable certificates of deposit. Its lending portfolio encompasses credit facilities secured by deposits or Japanese government bonds, alongside credit card loans. It also extends financing to local, central, and regional government entities, engages in syndicated lending, and offers corporate and other secondary market loans. Beyond banking, the company offers a range of investment products, including securities, Japanese government bonds, and investment trusts. It also provides domestic and foreign exchange services, insurance products, and acts as an intermediary for services like mortgages and credit cards. Serving its customers through a vast network, the bank operates 32,005 ATMs and 23,881 branches. Founded in 2006, the entity was initially known as Yucho Co, Ltd. before rebranding to JAPAN POST BANK Co., Ltd. in October 2007. The company is headquartered in Tokyo, Japan, and functions as a subsidiary of Japan Post Holdings Co., Ltd.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Takayuki Kasama
Listed since
Nov 4, 2015
Employees
10,771

Market position

Volume
1.78M
0.26× average
Average volume
6.89M
Average daily volume
Market cap
11.25T JPY
Beta
0.43
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-23.81T JPY
P/E (TTM)
18.83×
P/B (TTM)
1.22×
P/S (TTM)
3.81×
EV / EBITDA
-29.39×
Earnings yield
5.84%
Free cash flow yield
-7.78%
Dividend yield
2.34%

Profitability & efficiency

Gross margin
64.85%
Operating margin
29.05%
Net margin
20.26%
Return on equity
5.70%
Return on assets
0.23%
Return on invested capital
0.24%

Financial health

Debt / equity
2.44×
Current ratio
2.43×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends95%66%37%8%Gross margin, FY2022: 87.44%Gross margin, FY2023: 77.58%Gross margin, FY2024: 69.48%Gross margin, FY2025: 66.27%Gross margin, FY2026: 64.61%Operating margin, FY2022: 27.50%Operating margin, FY2023: 22.23%Operating margin, FY2024: 21.59%Operating margin, FY2025: 24.23%Operating margin, FY2026: 27.15%Net margin, FY2022: 19.67%Net margin, FY2023: 15.91%Net margin, FY2024: 15.56%Net margin, FY2025: 17.18%Net margin, FY2026: 18.82%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 87.44%. Gross margin FY2023 77.58%. Gross margin FY2024 69.48%. Gross margin FY2025 66.27%. Gross margin FY2026 64.61%. Operating margin FY2022 27.50%. Operating margin FY2023 22.23%. Operating margin FY2024 21.59%. Operating margin FY2025 24.23%. Operating margin FY2026 27.15%. Net margin FY2022 19.67%. Net margin FY2023 15.91%. Net margin FY2024 15.56%. Net margin FY2025 17.18%. Net margin FY2026 18.82%.

Income trends

Revenue

2.79T JPY+15.85%

Operating income

758.32B JPY+29.81%

Net income

525.58B JPY+26.85%
Income trends across reported periods3.04T JPY2.05T JPY1.07T JPY78.25B JPYRevenue, FY2022: 1.81T JPYRevenue, FY2023: 2.04T JPYRevenue, FY2024: 2.29T JPYRevenue, FY2025: 2.41T JPYRevenue, FY2026: 2.79T JPYOperating income, FY2022: 496.57B JPYOperating income, FY2023: 454.37B JPYOperating income, FY2024: 494.06B JPYOperating income, FY2025: 584.18B JPYOperating income, FY2026: 758.32B JPYNet income, FY2022: 355.07B JPYNet income, FY2023: 325.07B JPYNet income, FY2024: 356.13B JPYNet income, FY2025: 414.33B JPYNet income, FY2026: 525.58B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 1.81T JPY. Revenue FY2023 2.04T JPY. Revenue FY2024 2.29T JPY. Revenue FY2025 2.41T JPY. Revenue FY2026 2.79T JPY. Operating income FY2022 496.57B JPY. Operating income FY2023 454.37B JPY. Operating income FY2024 494.06B JPY. Operating income FY2025 584.18B JPY. Operating income FY2026 758.32B JPY. Net income FY2022 355.07B JPY. Net income FY2023 325.07B JPY. Net income FY2024 356.13B JPY. Net income FY2025 414.33B JPY. Net income FY2026 525.58B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue2.79T JPY2.41T JPY2.29T JPY2.04T JPY1.81T JPY
Cost of goods sold988.62B JPY813.23B JPY698.36B JPY458.15B JPY226.76B JPY
Gross profit1.8T JPY1.6T JPY1.59T JPY1.59T JPY1.58T JPY
Operating expenses1.05T JPY1.01T JPY1.1T JPY1.13T JPY1.08T JPY
Interest income2.27T JPY1.75T JPY1.4T JPY1.24T JPY1.37T JPY
Interest expense988.45B JPY813.24B JPY698.34B JPY458.17B JPY226.65B JPY
Depreciation and amortization51.59B JPY45.74B JPY42.68B JPY34.23B JPY37.72B JPY
Operating income758.32B JPY584.18B JPY494.06B JPY454.37B JPY496.57B JPY
Net income525.58B JPY414.33B JPY356.13B JPY325.07B JPY355.07B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 1 miss, 0 met estimates
Average EPS surprise
+13.53%
11 comparable reports
Latest EPS result
49.85
Estimate 41.31 · Beat by 20.67%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates52.2141.9831.7621.53Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 23.65, estimate 26, surprise -9.04%, Miss. Q2 2025, reported May 15, 2025: actual 29.34, estimate 26.16, surprise +12.16%, Beat. Q3 2025, reported Aug 8, 2025: actual 29.3, estimate 28.47, surprise +2.92%, Beat. Q4 2025, reported Nov 14, 2025: actual 37.92, estimate 32.96, surprise +15.05%, Beat. Q1 2026, reported Feb 13, 2026: actual 37.55, estimate 32.66, surprise +14.97%, Beat. Q2 2026, reported May 15, 2026: actual 41.54, estimate 36.03, surprise +15.29%, Beat. Q3 2026, reported Aug 7, 2026: actual 49.85, estimate 41.31, surprise +20.67%, Beat. Q4 2026, reported Nov 12, 2026: actual —, estimate 50.09, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates870.69B652.3B433.91B215.52BQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 634.02B JPY, estimate 253.56B JPY, surprise +150.05%, Beat. Q2 2025, reported May 15, 2025: actual 606.55B JPY, estimate 269.52B JPY, surprise +125.05%, Beat. Q3 2025, reported Aug 8, 2025: actual 682.69B JPY, estimate 317.05B JPY, surprise +115.32%, Beat. Q4 2025, reported Nov 14, 2025: actual 763.86B JPY, estimate 296.27B JPY, surprise +157.83%, Beat. Q1 2026, reported Feb 13, 2026: actual 705.91B JPY, estimate 329.73B JPY, surprise +114.09%, Beat. Q2 2026, reported May 15, 2026: actual 747.74B JPY, estimate 372.25B JPY, surprise +100.87%, Beat. Q3 2026, reported Aug 7, 2026: actual 824.98B JPY, estimate 394.82B JPY, surprise +108.95%, Beat. Q4 2026, reported Nov 12, 2026: actual —, estimate 434.49B JPY, surprise —, Comparison unavailable.

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