Japan Post Holdings Co Ltd (JPPHY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Japan Post Holdings Co Ltd stock $17.93, price $14.02, upside +27.9%, quality 56 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Japan Post Holdings Co Ltd
JPPHY · USThe stock costs 22% less than our calculation considers fair.
Risks from the AI analysis
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $5.59 – $18.09 · fair‑value band $15.95 – $21.84 · the $14.02 price screens below the $17.93 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
Every Wednesday you see whether Japan Post Holdings Co Ltd ADR is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
Japan Post Holdings Co., Ltd. provides postal, banking, and insurance services in Japan. It operates through the Postal and Logistics Business, Post Office Counter Business, International Logistics Business, and Real Estate Business segments.
Show moreShow less
The company engages in the postal, banking counter, and insurance counter operations; sale of documentary stamps; operations consigned by local government entities; and provision of other bank, and life and non-life insurance agency services.
It also provides domestic distribution and delivery services; and merchandise sale services, as well as international cargo transport and agency services for air cargo business.
In addition, undertakes logistics services, such as parcel and mail delivery; handles ordinary savings, fixed-amount savings, time deposits, remittance and settlement services, and public pensions; and payments, over-the-counter sales of government bonds, and investment trusts.
Further, it is involved in the catalogue sales business through internet and direct mail; sales and issuance of bus tickets; issuance of official certificates; sale of lottery tickets, and conclusion and modification of broadcasting reception contracts; operation of a hospital and a recreational center; development and leasing of office buildings, commercial facilities, and residential properties, as well as the management of rental buildings; and fund management.
Additionally, it provides annuity, cancer, medical, automobile, and personal accident insurance; life support services; ATM partnership services; asset management and lending services; foreign exchange services; regional transportation, warehousing management, resources, and government logistics services; freight and forwarding transportation, and truck transportation; credit card and mortgage brokerage services.
The company was founded in 1871 and is headquartered in Tokyo, Japan.
Stock analysis
Japan Post Holdings Co Ltd (JPPHY) currently trades at $14.02, while our model-based Fair Value estimate is $17.93, implying the stock looks roughly 22% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $21.22 per share, and 3 of the 6 models we run sit above the $14.02 price.
Bear case: the Dividend Discount group reads lowest at $2.23, and 3 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $15.95 (bear) to $21.84 (bull), the price of $14.02 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Japan Post Holdings Co Ltd ADR reported revenue of ¥11.9T in FY2026 versus ¥11.3T in FY2022, a compound +1.4%/yr. Reported net income was ¥397B in FY2026, compounding −5.7%/yr from FY2022.
Key figures
Market cap $39.0B Large · P/E ratio 15.2 · P/S ratio 0.51 · EPS (TTM) $0.9200 · Dividend yield 2.3% · Net margin 3.3% · Return on equity 5.1% · Return on assets (EBIT) 0.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 31 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 62% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 28%, JPPHY screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Watch JPPHY, get fair value alerts →
Earlier news
- Japan Post Holdings (TSE:6178) Stock Looks Hard To Call On Returns
- Japan Post Holdings Co Ltd (JPPHY) (Q1 2027) Earnings Call Highlights: Banking Strength Offsets ...
- Palliser Capital Welcomes Japan Post Holdings’ New Group Medium-Term Management Plan
- Japan Post Targets 87% Profit Surge In Three-Year Reset
Compare Japan Post Holdings Co Ltd ADR with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Net margin by industry
- P/B ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs JPPHY |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs JPPHY |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs JPPHY |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs JPPHY |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs JPPHY |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs JPPHY |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs JPPHY |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs JPPHY |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs JPPHY |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs JPPHY |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Japan Post Holdings Co Ltd (JPPHY) overvalued or undervalued?
What is the fair value of JPPHY?
What is the quality score of JPPHY?
What is the price target for Japan Post Holdings Co Ltd (JPPHY)?
What is the Japan Post Holdings Co Ltd ADR stock forecast for 2026?
What is the revenue of Japan Post Holdings Co Ltd (JPPHY)?
Does Japan Post Holdings Co Ltd ADR pay a dividend?
How much is the dividend of Japan Post Holdings Co Ltd (JPPHY) and when is the ex-dividend date?
What is the intrinsic value of Japan Post Holdings Co Ltd (JPPHY)?
Is Japan Post Holdings Co Ltd ADR stock overvalued or undervalued in 2026?
Is fair value the same as the market price of JPPHY?
How much is Japan Post Holdings Co Ltd ADR worth?
What do the bullish and bearish scenarios say about JPPHY?
What is the P/E ratio of JPPHY?
How solid is the balance sheet of Japan Post Holdings Co Ltd (JPPHY)?
How far is JPPHY from its 52-week high?
Which stocks are comparable to Japan Post Holdings Co Ltd ADR?
Is Japan Post Holdings Co Ltd ADR stock attractive at the current price?
How is the fair value of JPPHY calculated?
Is it still worth investing in stocks now?
What is the share price of Japan Post Holdings Co Ltd (JPPHY)?
What should I pay attention to with Japan Post Holdings Co Ltd ADR right now?
Where does the earnings growth of Japan Post Holdings Co Ltd (JPPHY) come from?
Key figures of Japan Post Holdings Co Ltd
How large is the market capitalisation of Japan Post Holdings Co Ltd (JPPHY)?
What is the P/S ratio of Japan Post Holdings Co Ltd (JPPHY)?
What are the earnings per share of Japan Post Holdings Co Ltd (JPPHY)?
What is the dividend yield of Japan Post Holdings Co Ltd (JPPHY)?
What is the net margin of Japan Post Holdings Co Ltd (JPPHY)?
What is the return on equity of Japan Post Holdings Co Ltd (JPPHY)?
What is the EBIT return on assets of Japan Post Holdings Co Ltd (JPPHY)?
What is the operating margin of Japan Post Holdings Co Ltd (JPPHY)?
How fast is revenue growing at Japan Post Holdings Co Ltd (JPPHY)?
How fast are earnings growing at Japan Post Holdings Co Ltd (JPPHY)?
How much free cash flow does Japan Post Holdings Co Ltd (JPPHY) generate?
How much net cash does Japan Post Holdings Co Ltd (JPPHY) hold?
Watch Japan Post Holdings Co Ltd ADR in the live analysis
One click puts Japan Post Holdings Co Ltd ADR on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.