JAPAN POST BANK Co.Ltd (JPPTY) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of JAPAN POST BANK Co.Ltd stock $14.00, price $19.08, upside -26.6%, quality 62 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value 30%+ above price?No
Quality 50+?Yes
In an uptrend?Yes
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 29, 2026.
How to read this chart
56‑month range $5.70 – $22.09 · fair‑value band $13.38 – $16.27 · the $19.08 price screens above the $14.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 29, 2026.
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JAPAN POST BANK Co., Ltd. provides financial products and services in Japan and internationally. The company offers regular, fixed, and wealth building saving accounts, remittance and payment pension account.
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It also provides loans and lending comprising mortgage, account overdraft, and savings-secured automatic loans. In addition, it offers asset management and defined contribution pension plans, including investment trusts, variable annuities, and government bonds.
Further, it provides stores and ATM services. The company was formerly known as Yucho Co, Ltd. and changed its name to JAPAN POST BANK Co., Ltd. in October 2007. The company was incorporated in 2006 and is headquartered in Tokyo, Japan.
JAPAN POST BANK Co., Ltd. is a subsidiary of Japan Post Holdings Co., Ltd.
Stock analysis
JAPAN POST BANK Co.Ltd (JPPTY) currently trades at $19.08, while our model-based Fair Value estimate is $14.00, 26.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $14.02 per share, and 1 of the 6 models we run sit above the $19.08 price.
Bear case: the Dividend Discount group reads lowest at $6.56, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $13.38 (bear) to $16.27 (bull), the price of $19.08 sits above 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 62/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
JAPAN POST BANK Co.Ltd reported revenue of ¥3.0T in FY2026 versus ¥1.9T in FY2022, a compound +11.0%/yr. Reported net income was ¥557B in FY2026, compounding +11.9%/yr from FY2022.
Key figures
Market cap $68.2B Large · P/E ratio 18.5 · P/S ratio 3.49 · EPS (TTM) $1.03 · Dividend yield 2.5% · Net margin 18.8% · Return on equity 6.6% · Return on assets (EBIT) 0.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (medium confidence).
What moves the price
The share trades about 14% below its 52-week high and 107% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −27%, JPPTY screens cheaper than that median.
Fair Value models
Bear$13.38Fair Value $14.00Bull$16.27
Price $19.08 · Upside -26.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.3258 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+18.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.1%
Start year 2021 (pandemic). Over 10 years: +4.4% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.4%
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What shareholders gained per year (last 5 years), in JPY (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+15.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.3%
Dividend (yield on the price)2.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.15.9% vs 6.0%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 27%
2026 sits 59% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
News mood ⓘNews mood, the average tone of recent news (15 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
Price, fair value, quality and upside side by side.
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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 · 1064 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score62 · Top 25%
Fair Value upside−26.6% · Below median
Profitability
Return on equity (12 months)6.6% · Below median
Return on assets0.2% · Bottom 25%
Net margin (12 months)30.8% · Above median
Operating margin (12 months)44.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)30.0% · Top 25%
Dividend yield (12 months)2.5% · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)18.5× · Priciest 25%
P/B1.16× · Pricier than median
P/S (12 months)5.53× · Priciest 25%
PEG2.91× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)100· sector 48
PAST (return on equity)26· sector 41
HEALTH (low debt)0· sector 84
DIVIDEND (yield)49· sector 52
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "JAPAN POST BANK Co.Ltd Fair Value". https://www.fairvalue-calculator.com/stock/JPPTY
Frequently asked questions
Is JAPAN POST BANK Co.Ltd (JPPTY) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of $14.00 versus a price of $19.08, about −27% upside (overvalued).
What is the fair value of JPPTY?
Our model-based fair value for JAPAN POST BANK Co.Ltd is $14.00 (as of Oct 29, 2026), built from audited fundamentals. The current price: $19.08.
What is the quality score of JPPTY?
JAPAN POST BANK Co.Ltd has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for JAPAN POST BANK Co.Ltd (JPPTY)?
Our model-based price target is the fair value of $14.00 (as of Oct 29, 2026) from 6 valuation models. Cautious scenario $13.38, optimistic scenario $16.27. It is a calculation from audited fundamentals, not an analyst target.
What is the JAPAN POST BANK Co.Ltd stock forecast for 2026?
Our models put fair value at $14.00, about −27% upside versus a price of $19.08 (overvalued). Cautious scenario $13.38, optimistic scenario $16.27. The calculation is refreshed regularly with new filings.
What is the revenue of JAPAN POST BANK Co.Ltd (JPPTY)?
JAPAN POST BANK Co.Ltd reported trailing-twelve-month revenue of about ¥1.9T (latest available figure, as of Oct 29, 2026).
Does JAPAN POST BANK Co.Ltd pay a dividend?
JAPAN POST BANK Co.Ltd currently shows a dividend yield of 2.46% relative to its recent price (as of Oct 29, 2026).
What is the intrinsic value of JAPAN POST BANK Co.Ltd (JPPTY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For JAPAN POST BANK Co.Ltd it is $14.00 per share (as of Oct 29, 2026), against a price of $19.08. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is JAPAN POST BANK Co.Ltd stock overvalued or undervalued in 2026?
As of Oct 29, 2026, JPPTY trades above its calculated fair value: price $19.08, fair value $14.00, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of JPPTY?
No. The price is what the market pays today ($19.08); the fair value is what the company's own numbers justify ($14.00). For JAPAN POST BANK Co.Ltd the two are $5.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is JAPAN POST BANK Co.Ltd worth?
The market values JAPAN POST BANK Co.Ltd at about $68.2B (market capitalisation, as of Oct 29, 2026). Per share that is $19.08; our models calculate a fair value of $14.00 per share.
What do the bullish and bearish scenarios say about JPPTY?
Our models span a range for JAPAN POST BANK Co.Ltd: cautious scenario $13.38, base $14.00, optimistic $16.27 per share (as of Oct 29, 2026, price $19.08). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of JPPTY?
JAPAN POST BANK Co.Ltd trades at a price-to-earnings ratio of 18.5 (as of Oct 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.00 is built from several models across several years. Other multiples: PEG 2.9, P/B 1.2, P/S 5.5.
What is the PEG ratio of JPPTY?
The PEG ratio of JAPAN POST BANK Co.Ltd is 2.91 (P/E divided by earnings growth, as of Oct 29, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of JAPAN POST BANK Co.Ltd (JPPTY)?
Balance-sheet figures for JAPAN POST BANK Co.Ltd (as of Oct 29, 2026): return on equity 6.6%. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is JPPTY from its 52-week high?
JAPAN POST BANK Co.Ltd trades at $19.08, about 14% below its 52-week high of $22.09 and 107% above the low of $9.22 (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of $14.00 is for.
Which stocks are comparable to JAPAN POST BANK Co.Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is JAPAN POST BANK Co.Ltd stock attractive at the current price?
The data as of Oct 29, 2026: price $19.08, calculated fair value $14.00 (−27%), Quality Score 62/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of JPPTY calculated?
We run JAPAN POST BANK Co.Ltd through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $14.00, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.4 % above its aggregate fair value. JAPAN POST BANK Co.Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of JAPAN POST BANK Co.Ltd (JPPTY)?
The closing price on Oct 28, 2026 was $19.08. Our model-based fair value is $14.00, about −27% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with JAPAN POST BANK Co.Ltd right now?
The price sits above even our optimistic bull case ($16.27). The favourable scenario is already priced in. Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of JAPAN POST BANK Co.Ltd (JPPTY) come from?
Earnings per share at JAPAN POST BANK Co.Ltd grew +4.0 % a year from 2015 to 2026. Broken into its drivers: revenue per share +4.6 %, EBIT margin −1.1 %, tax rate +0.6 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of JAPAN POST BANK Co.Ltd
How large is the market capitalisation of JAPAN POST BANK Co.Ltd (JPPTY)?
The market capitalisation of JAPAN POST BANK Co.Ltd is $68.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of JAPAN POST BANK Co.Ltd (JPPTY)?
The price-to-sales ratio of JAPAN POST BANK Co.Ltd is 3.49 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of JAPAN POST BANK Co.Ltd (JPPTY)?
Earnings per share at JAPAN POST BANK Co.Ltd are $1.03 (price ÷ EPS = P/E 18.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of JAPAN POST BANK Co.Ltd (JPPTY)?
The dividend yield of JAPAN POST BANK Co.Ltd is 2.5% (payout 45.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of JAPAN POST BANK Co.Ltd (JPPTY)?
The net margin of JAPAN POST BANK Co.Ltd is 18.8% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of JAPAN POST BANK Co.Ltd (JPPTY)?
The return on equity (ROE) of JAPAN POST BANK Co.Ltd is 6.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of JAPAN POST BANK Co.Ltd (JPPTY)?
On an EBIT basis the return on assets of JAPAN POST BANK Co.Ltd is 0.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of JAPAN POST BANK Co.Ltd (JPPTY)?
The operating margin of JAPAN POST BANK Co.Ltd is 44.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at JAPAN POST BANK Co.Ltd (JPPTY)?
Revenue at JAPAN POST BANK Co.Ltd is growing +30.0% versus a year earlier (3y avg +13.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at JAPAN POST BANK Co.Ltd (JPPTY)?
Earnings per share at JAPAN POST BANK Co.Ltd are growing +70.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does JAPAN POST BANK Co.Ltd (JPPTY) generate?
The free cash flow of JAPAN POST BANK Co.Ltd is −¥742B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does JAPAN POST BANK Co.Ltd (JPPTY) hold?
JAPAN POST BANK Co.Ltd holds more cash than debt, ¥32.9T net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Oct 29, 2026