JAPAN POST BANK Co.Ltd (JPPTY) fair value: what the stock is really worth
We calculate from audited financials what JAPAN POST BANK Co.Ltd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
Watch it or check another stockalert when fair value or trend changes
Financial Services · US · Market cap $71.6B
At a glance
JPJAPAN POST BANK Co.LtdJPPTY · US
Price$21.24
Fair Value$21.17
Upside−0.3%
Quality54/100
A solid business, currently priced close to our fair value of $21.17.
As of Sep 8, 2026, the fair value of JAPAN POST BANK Co.Ltd is $21.17 per share against a price of $21.24, so the fair value sits 0% below the price. A model estimate from reported figures, not an analyst target.
!Expensive Growth (revenue 5y +9.1 %/yr)
✓Highly profitable · 28.2% net margin
!negative free cash flow
·4.94% dividend yield
!Trails peers (4/12)
!Moderate moat 55/100
!Evidence only medium, so the estimate is less certain
!Weak on past: 24 out of 100
Evidence: MediumRange $15.88 to $26.47
Fair value as of: Sep 8, 2026
From 4 valuation models · updated yesterday
Fair value updated Sep 8, 2026, revised from $21.58 to $21.17 (−1.9%) since Aug 13, 2026. Share price +12.3% over the past month.
This is the short version. In the app for JAPAN POST BANK Co.Ltd:
Watch JAPAN POST BANK Co.Ltd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for free
69 individual criteria per stock, every one traceable See the method →
What matters now
The price sits close to our fair value, market and models broadly agree here, little valuation tension.
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 8, 2026.
How to read this chart
55‑month range $5.70 – $22.01 · fair‑value band $15.88 – $26.47 · the $21.24 price screens above the $21.17 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 8, 2026.
JAPAN POST BANK Co.Ltd (JPPTY) currently trades at $21.24, while our model-based Fair Value estimate is $21.17, implying the stock looks roughly 0.3% fairly valued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. How firm this estimate is: it rests on 17 models at a data quality of 96/100, which puts the evidence level at medium.
Over the trailing twelve months, JAPAN POST BANK Co.Ltd generated revenue of ¥1.9T at a net margin of 28.2%. Revenue grew 56.0% year over year. It earns a return on equity of 5.9%. The balance sheet holds a net cash position of ¥32.9T. Fundamentals as of Sep 8, 2026
Scenario range: $15.88 (bear) to $26.47 (bull), the price of $21.24 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 4% below its 52-week high and 131% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 0%, JPPTY screens cheaper than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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.Evidence
Highest evidence
Residual Income best evidence$2,050$2,115$2,14771
P/E Multiple$1,525$2,034$2,54263
P/B Multiple$1,995$2,660$3,32555
All 4 models by family
Multiples
P/E Multiple$1,525$2,034$2,54263
P/B Multiple$1,995$2,660$3,32555
Asset-Based
NCAV (Graham)$1,299$1,741$2,59851
Economic Profit
Residual Income best evidence$2,050$2,115$2,14771
Widest divergence: Economic Profit ($2,115) versus Asset-Based ($1,741). Highest evidence: Residual Income (71).
Notify me when JPPTY reaches fair value
Put JPPTY on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
P/E ratio23.1
P/S ratio4.34P/E × margin
EPS (TTM)$0.9200price ÷ EPS = P/E 23.1
Dividend yield4.9%payout 114%
Net margin18.8%FY2026
Return on equity5.9%TTM
More key figures
Profitability
Return on assets (EBIT)0.2%avg 5y
Operating margin43.0%TTM
Growth
Revenue (TTM)¥1.9TTTM
Revenue growth (YoY)+56.0%3y avg +13.3%
EPS growth (YoY)+41.5%
Balance sheet & cash flow
Free cash flow−¥742BFY2026
Net cash¥32.9TFY2026
Figures from reported company fundamentals · as of Sep 8, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality54/100
Of which business quality 56
· Market factors (momentum, volatility) 77
Profitability27
Margins and returns on capital today
Quality Growth58
Are margins and returns improving?
Cashflow0
Earnings quality: real cash, not paper profit
Fin. Strength89
Balance sheet, leverage, solvency risk
Investment100
Disciplined investing over empire-building
Low Volatility50
Calm price path (market factor)
Momentum84
Price trend over the last 3–12 months (market factor)
52W Momentum96
Distance to the 52-week high (market factor)
Net Issuance95
Buybacks instead of dilution
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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. It also provides loans and lending comprising mortgage, account overdraft, and savings-secured automatic loans.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
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.
Growth Quality 52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2026)
¥3.0T
Latest YoY
+18.8%
Avg. revenue growth/yr (3Y) ⓘ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.
+13.3%
Avg. revenue growth/yr (5Y) ⓘ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.
+9.1%
Avg. revenue growth/yr (13Y) ⓘ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.
+4.4%
Value creation/yr (5Y, in JPY) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. 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.
≈ +20.8%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+15.9%
Dividend yield4.9%
Trend ⓘ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.5Y 15.9% vs 10Y 6.0%, picking up
Operating margin (EBIT) ⓘ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.20.5% (2021) → 27.1% (2026) · rising
Worst earnings drop25% (2019) · in JPY
⚠ Final year 2026 sits 59% above trend (one-off), rate approximate
Revenue+11.0%/yr
FY22¥1.9T
FY23¥2.0T
FY24¥2.6T
FY25¥2.5T
FY26¥3.0T
Net income+11.9%/yr
FY22¥355B
FY23¥325B
FY24¥356B
FY25¥414B
FY26¥557B
Character of growth · EPS growth decomposed (2015-2026)+4.0 % p.a.
Revenue per share+4.6 %
of which total revenue +3.7 % · buybacks/dilution +0.8 %
EBIT margin−1.1 %
Tax rate+0.6 %
Residual (interest, one-offs)−0.1 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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.
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
This stockSector peers
VALUE31· sector 32
FUTURE100· sector 44
PAST24· sector 41
HEALTH0· sector 85
DIVIDEND99· sector 51
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 8, 2026).
Is JAPAN POST BANK Co.Ltd (JPPTY) overvalued or undervalued?
As of Sep 8, 2026, our model estimates a fair value of $21.17 versus a price of $21.24, about −0% upside (fairly valued).
What is the fair value of JPPTY?
Our model-based fair value for JAPAN POST BANK Co.Ltd is $21.17 (as of Sep 8, 2026), built from audited fundamentals. The current price: $21.24.
What is the quality score of JPPTY?
JAPAN POST BANK Co.Ltd has a Quality Score of 54/100. 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 $21.17 (as of Sep 8, 2026) from 4 valuation models. Cautious scenario $15.88, optimistic scenario $26.47. 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 $21.17, about −0% upside versus a price of $21.24 (fairly valued). Cautious scenario $15.88, optimistic scenario $26.47. 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 Sep 8, 2026).
What is the net profit margin of JPPTY?
The net profit margin of JAPAN POST BANK Co.Ltd is about 28.2%, meaning it keeps roughly 28.2% of revenue as net income. Based on the latest reported figures.
Does JAPAN POST BANK Co.Ltd pay a dividend?
JAPAN POST BANK Co.Ltd currently shows a dividend yield of about 4.94% relative to its recent price (as of Sep 8, 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 $21.17 per share (as of Sep 8, 2026), against a price of $21.24. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is JAPAN POST BANK Co.Ltd stock overvalued or undervalued in 2026?
As of Sep 8, 2026, JPPTY trades above its calculated fair value: price $21.24, fair value $21.17, a gap of about −0% (fairly valued). 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 ($21.24); the fair value is what the company's own numbers justify ($21.17). For JAPAN POST BANK Co.Ltd the two are $0.0686 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 $71.6B (market capitalisation, as of Sep 8, 2026). Per share that is $21.24; our models calculate a fair value of $21.17 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 $15.88, base $21.17, optimistic $26.47 per share (as of Sep 8, 2026, price $21.24). 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 23.1 (as of Sep 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $21.17 is built from several models across several years. Other multiples: PEG 2.9.
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 Sep 8, 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 Sep 8, 2026): return on equity 5.9%. They feed the Quality Score of 54/100, 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 $21.24, about 4% below its 52-week high of $22.20 and 131% above the low of $9.18 (as of Sep 8, 2026). Distance from the high says nothing about value: that is what the fair value of $21.17 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, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 8, 2026: price $21.24, calculated fair value $21.17 (−0%), Quality Score 54/100, from 4 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 4 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 $21.17, with the spread shown as a cautious and an optimistic scenario.
Free · no account needed
Watch JAPAN POST BANK Co.Ltd in the live analysis
One click puts JAPAN POST BANK Co.Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
JAPAN POST BANK Co.Ltd
JPPTY · US