7181.T
Japan Post Insurance Co., Ltd.Explain this page
Arphra AIPlain-English read on Japan Post Insurance Co., Ltd.’s valuationRatios & metrics
Profitability, returns on capital, growth, and credit — all derived from the historical income statement, balance sheet, and cash flow rows in our data warehouse.
Valuation multiples
| In USD | FY 2026 |
|---|---|
| Headline | |
| Market cap | $1.74T |
| Enterprise value | -$2.98T |
| Multiples | |
| P / E | — |
| P / B | — |
| EV / EBITDA | — |
| EV / Sales | -0.97 |
| EV / FCF | 1.58 |
| Yields | |
| Earnings yield | +9.69% |
| Free cash flow yield | -108.31% |
| Dividend yield | — |
Profitability
| In USD | FY 2026 |
|---|---|
| Margins | |
| Gross margin | -28.48% |
| Operating margin | +7.66% |
| EBITDA margin | +9.91% |
| EBIT margin | +8.67% |
| Pre-tax margin | +7.66% |
| Net margin | +5.47% |
| Cost structure | |
| Cost of revenue / sales | +128.48% |
| R&D intensity | 0.00% |
| SG&A intensity | 0.00% |
| Effective tax rate | +28.53% |
Returns on capital
| In USD | FY 2026 |
|---|---|
| Returns | |
| Return on equity (ROE) | +4.06% |
| Return on assets (ROA) | +0.29% |
| Return on capital (ROC) | +2.55% |
| Return on invested capital (ROIC) | +1.82% |
| Asset turnover | +5.28% |
| DuPont · ROE decomposition | |
| Net margin | +5.47% |
| Asset turnover (× revenue / assets) | +5.28% |
| Equity multiplier (× assets / equity) | +1407.01% |
Activity & efficiency
| In USD | FY 2026 |
|---|---|
| Turnover | |
| Asset turnover | 0.05 |
| Fixed-asset turnover | 22.71 |
| Inventory turnover | — |
| Receivables turnover | 111.69 |
| Payables turnover | — |
| Days outstanding | |
| Days sales outstanding (DSO) | 3.27 |
| Days inventory outstanding (DIO) | — |
| Days payables outstanding (DPO) | — |
| Cash conversion cycle | 3.27 |
Cash flow quality
| In USD | FY 2026 |
|---|---|
| Operating CF / Net income | -11.17 |
| FCF / Net income | -11.18 |
| FCF margin | -61.20% |
| OCF margin | -61.11% |
| CapEx / Revenue | +0.09% |
| CapEx / D&A | 0.07 |
| Stock-based comp / Revenue | 0.00% |
Per-share & shareholder yield
| In USD | FY 2026 |
|---|---|
| EPS · diluted | 152.55 |
| EPS · basic | 152.55 |
| Book value / share | 3753.71 |
| Tangible BV / share | 3753.71 |
| Sales / share | 2787.36 |
| Operating CF / share | -1703.45 |
| Free cash flow / share | -1705.83 |
| Dividends / share | 38.83 |
| Payout ratio | +25.45% |
| Retention ratio | +74.55% |
Growth
| In USD | FY 2026 | CAGR |
|---|---|---|
| Top-line | ||
| Revenue · YoY | — | — |
| Gross profit · YoY | — | — |
| Profit | ||
| Operating income · YoY | — | — |
| EBITDA · YoY | — | — |
| Net income · YoY | — | — |
| Operating | ||
| EBIT · YoY | — | — |
| R&D · YoY | — | — |
| Per-share | ||
| EPS · diluted · YoY | — | — |
| EPS · basic · YoY | — | — |
Credit & leverage
| In USD | FY 2026 |
|---|---|
| Leverage | |
| Total debt | $5.1T |
| Net debt | -$4.73T |
| Net debt / EBITDA | -15.46 |
| Debt / equity | 1.23 |
| Debt / assets | +8.72% |
| Equity / assets | +7.11% |
| Coverage | |
| EBITDA / interest expense | 9.83 |
| Operating income / interest | 7.59 |
| Interest expense | $31.1B |
| Liquidity | |
| Current ratio | — |
| Quick ratio | — |
| Cash ratio | — |
| Working capital | $9.85T |
| Working capital / revenue | +319.37% |
Historical multiples · μ ± σ bands
3 fiscal-year-end observations from key_metrics. Mean is dashed; light-green band is ±1σ, light-red band ±2σ. The dot marks the most recent value; the cheap / fair / rich verdict uses z-score against the issuer's own history (yields inverted — a high yield is cheap).
Sourced from key_metrics + financial_ratios (loaded by load_fundamentals_extended.py).
| Metric | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| P / E | — | — | — |
| P / B | — | — | — |
| EV / EBITDA | — | — | — |
| EV / Sales | -0.97x | 1.20x | 1.52x |
| Earnings yield | 9.7% | 10.6% | 8.0% |
| FCF yield | -108.3% | -141.1% | -284.3% |
| Metric | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Gross margin | — | — | — |
| Operating margin | — | — | — |
| Net margin | — | — | — |
| ROE | 4.1% | 3.8% | 2.6% |
| ROA | 0.3% | 0.2% | 0.1% |
| ROIC | 0.3% | 0.2% | 0.1% |
| Metric | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Debt / equity | — | — | — |
| Net debt / EBITDA | -15.46 | 17.92 | 18.82 |
| Interest coverage | — | — | — |
| Current ratio | 0.00x | 1.75x | 25.63x |
| Quick ratio | — | — | — |
Methodology. ROE / ROA / ROC use period-end balance-sheet denominators (no average-of- period smoothing). ROIC = Operating Income × (1 − inferred effective tax rate) over invested capital, with the effective tax inferred from net-to-operating income when both are positive and a 25% default otherwise. Net debt / EBITDA, debt ratios, and interest-coverage ratios are calculated point-in-time at each fiscal year-end. TTM = trailing 4 quarters (income / cash flow summed, balance sheet = most-recent quarterly snapshot). Through-cycle CAGR in the Growth panel uses the geometric mean of first-to-last period growth across the window (positive values only).