Lifenet Ins Company (LIFNF) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Lifenet Ins Company $9.23, price $11.61, upside -20.5%, quality 68 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $3.20 – $12.50 · fair‑value band $6.92 – $11.54 · the $11.61 price screens above the $9.23 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Lifenet Insurance Company provides life insurance products and services in Japan. It offers term life, medical, women's, cancer, disability, and dementia insurance products. The company sells its products and services directly to customers through the internet. It also offers insurance underwriting and asset management services.
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Lifenet Insurance Company provides life insurance products and services in Japan. It offers term life, medical, women's, cancer, disability, and dementia insurance products. The company sells its products and services directly to customers through the internet. It also offers insurance underwriting and asset management services. The company was formerly known as Net Life Planning Co., Ltd. and changed its name to Lifenet Insurance Company in March 2008. Lifenet Insurance Company was incorporated in 2006 and is headquartered in Chiyoda, Japan.
Stock analysis
Lifenet Ins Company (LIFNF) currently trades at $11.61, while our model-based Fair Value estimate is $9.23, implying the stock looks roughly 25.8% overvalued today.
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Valuation
How firm this estimate is: it rests on 18 models at a data quality of 96/100, which puts the evidence level at medium.
Scenario range: $6.92 (bear) to $11.54 (bull), the price of $11.61 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 68/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Lifenet Ins Company reported revenue of ¥33.4B in FY2026 versus ¥26.2B in FY2022, a compound +6.3%/yr. Reported net income was ¥8.0B in FY2026.
Key figures
Market cap $933M · P/E ratio 18.7 · P/S ratio 4.51 · EPS (TTM) $0.6200 · Net margin 24.1% · Return on equity 8.6% · Return on assets 6.0% · Operating margin 30.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 263% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −21%, LIFNF screens cheaper than that median.
Fair Value models
Bear $6.92Fair Value $9.23Bull $11.54
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then ($0.3007 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.Evidence ⓘEvidence = 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.86/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+14.0%
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.
+18.4%
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.
+9.9%
Start year 2021 (pandemic)
’21
’22
’23
’24
’25
’26
What shareholders gained per year (last 3 years), in JPY ⓘ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 3 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. 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.
+17.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.8%
Dividend (yield on the price)0.0%
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+6.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+8.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in JPY, Japan: IMF forecast 2.1% a year to 2030, 1.3% from 2016 to 2025) that is about +4.4% a year for the price and +6.0% for the forecasts.
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.Insurance - Life · 95 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−21% · Below median
Profitability
Return on equity (TTM)9% · Below median
Return on assets6% · Top 25%
Net margin (TTM)24% · Top 25%
Operating margin (TTM)30% · Above median
Growth and dividend
Revenue growth22% · Above median
Valuation Multiplesvs Insurance - Life median · lower = cheaper
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). "Lifenet Ins Company Fair Value". https://www.fairvalue-calculator.com/stock/LIFNF
Frequently asked questions
Is Lifenet Ins Company (LIFNF) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $9.23 versus a price of $11.61, about −21% upside (overvalued).
What is the fair value of LIFNF?
Our model-based fair value for Lifenet Ins Company is $9.23 (as of Sep 23, 2026), built from audited fundamentals. The current price: $11.61.
What is the quality score of LIFNF?
Lifenet Ins Company has a Quality Score of 68/100. 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 Lifenet Ins Company (LIFNF)?
Our model-based price target is the fair value of $9.23 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $6.92, optimistic scenario $11.54. It is a calculation from audited fundamentals, not an analyst target.
What is the Lifenet Ins Company stock forecast for 2026?
Our models put fair value at $9.23, about −21% upside versus a price of $11.61 (overvalued). Cautious scenario $6.92, optimistic scenario $11.54. The calculation is refreshed regularly with new filings.
What is the revenue of Lifenet Ins Company (LIFNF)?
Lifenet Ins Company reported trailing-twelve-month revenue of about ¥33.3B (latest available figure, as of Sep 23, 2026).
What growth is priced into Lifenet Ins Company (LIFNF)?
For today's price to be fair in a discounted-cash-flow model, Lifenet Ins Company would have to grow free cash flow by +6.6 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.9 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of LIFNF use?
Our models discount Lifenet Ins Company at 9.8 %: a base by market capitalisation (small), damped by beta 0.44, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Lifenet Ins Company that is +6.6 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Lifenet Ins Company (LIFNF) delivered so far?
Over the past 5 years revenue at Lifenet Ins Company grew +9.9 % a year. The price currently implies +6.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Lifenet Ins Company (LIFNF) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Lifenet Ins Company (+6.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Lifenet Ins Company (LIFNF)?
The free-cash-flow yield on the price is 5.41 %: that much free cash flow Lifenet Ins Company produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Lifenet Ins Company (LIFNF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lifenet Ins Company it is $9.23 per share (as of Sep 23, 2026), against a price of $11.61. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Lifenet Ins Company stock overvalued or undervalued in 2026?
As of Sep 23, 2026, LIFNF trades above its calculated fair value: price $11.61, fair value $9.23, a gap of about −21% (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 LIFNF?
No. The price is what the market pays today ($11.61); the fair value is what the company's own numbers justify ($9.23). For Lifenet Ins Company the two are $2.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lifenet Ins Company worth?
The market values Lifenet Ins Company at about $933M (market capitalisation, as of Sep 23, 2026). Per share that is $11.61; our models calculate a fair value of $9.23 per share.
What do the bullish and bearish scenarios say about LIFNF?
Our models span a range for Lifenet Ins Company: cautious scenario $6.92, base $9.23, optimistic $11.54 per share (as of Sep 23, 2026, price $11.61). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LIFNF?
Lifenet Ins Company trades at a price-to-earnings ratio of 18.7 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.23 is built from several models across several years. Other multiples: P/B 1.6, P/S 4.4, EV/EBITDA 10.8.
How solid is the balance sheet of Lifenet Ins Company (LIFNF)?
Balance-sheet figures for Lifenet Ins Company (as of Sep 23, 2026): return on equity 8.6%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is LIFNF from its 52-week high?
Lifenet Ins Company trades at $11.61, about 7% below its 52-week high of $12.50 and 263% above the low of $3.20 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $9.23 is for.
Which stocks are comparable to Lifenet Ins Company?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, 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 Lifenet Ins Company stock attractive at the current price?
The data as of Sep 23, 2026: price $11.61, calculated fair value $9.23 (−21%), Quality Score 68/100, 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 LIFNF calculated?
We run Lifenet Ins Company 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 $9.23, 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 14.1 % above its aggregate fair value. Lifenet Ins Company 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 Lifenet Ins Company (LIFNF)?
The closing price on Sep 18, 2026 was $11.61. Our model-based fair value is $9.23, about −21% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lifenet Ins Company right now?
Solid but not exceptional quality (68/100) 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.
Key figures of Lifenet Ins Company
How large is the market capitalisation of Lifenet Ins Company (LIFNF)?
The market capitalisation of Lifenet Ins Company is $933M. 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 Lifenet Ins Company (LIFNF)?
The price-to-sales ratio of Lifenet Ins Company is 4.51 (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 Lifenet Ins Company (LIFNF)?
Earnings per share at Lifenet Ins Company are $0.6200 (price ÷ EPS = P/E 18.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Lifenet Ins Company (LIFNF)?
The net margin of Lifenet Ins Company is 24.1% (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 Lifenet Ins Company (LIFNF)?
The return on equity (ROE) of Lifenet Ins Company is 8.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Lifenet Ins Company (LIFNF)?
The return on assets (ROA) of Lifenet Ins Company is 6.0% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Lifenet Ins Company (LIFNF)?
The operating margin of Lifenet Ins Company is 30.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lifenet Ins Company (LIFNF)?
Revenue at Lifenet Ins Company is growing +21.5% versus a year earlier (3y avg +18.4%). 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 Lifenet Ins Company (LIFNF)?
Earnings per share at Lifenet Ins Company are growing +73.7% versus a year earlier. How much earnings per share grew versus a year earlier.
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Sep 23, 2026