Japan Post Insurance Co., Ltd.
Japan Post Insurance Co., Ltd. Fundamental Analysis
Japan Post Insurance Co., Ltd. (7181.T) shows moderate financial fundamentals with a PE ratio of 10.71, profit margin of 4.78%, and ROE of 4.33%. The company generates $3272.3B in annual revenue with strong year-over-year growth of 30.38%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -8596.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze 7181.T's fundamental strength across five key dimensions:
Efficiency Score
Weak7181.T struggles to generate sufficient returns from assets.
Valuation Score
Moderate7181.T shows balanced valuation metrics.
Growth Score
Excellent7181.T delivers strong and consistent growth momentum.
Financial Health Score
Weak7181.T carries high financial risk with limited liquidity.
Profitability Score
Weak7181.T struggles to sustain strong margins.
Key Financial Metrics
Is 7181.T Expensive or Cheap?
P/E Ratio
7181.T trades at 10.71 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, 7181.T's PEG of 4.14 indicates potential overvaluation.
Price to Book
The market values Japan Post Insurance Co., Ltd. at 0.41 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 30.87 times EBITDA. This signals the market has high growth expectations.
How Well Does 7181.T Make Money?
Net Profit Margin
For every $100 in sales, Japan Post Insurance Co., Ltd. keeps $4.78 as profit after all expenses.
Operating Margin
Core operations generate 3.69 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.33 in profit for every $100 of shareholder equity.
ROA
Japan Post Insurance Co., Ltd. generates $0.27 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Japan Post Insurance Co., Ltd. generates limited operating cash flow of $-2.08T, signaling weaker underlying cash strength.
Free Cash Flow
Japan Post Insurance Co., Ltd. generates weak or negative free cash flow of $-2.10T, restricting financial flexibility.
FCF Per Share
Each share generates $-5755.22 in free cash annually.
FCF Yield
7181.T converts -1.26% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.71
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
4.14
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.41
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.51
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.19
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.04
vs 25 benchmark
ROA
Return on assets percentage
0.003
vs 25 benchmark
ROCE
Return on capital employed
0.002
vs 25 benchmark
How 7181.T Stacks Against Its Sector Peers
| Metric | 7181.T Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.71 | 18.50 | Better (Cheaper) |
| ROE | 4.33% | 809.00% | Weak |
| Net Margin | 4.78% | 2211.00% | Weak |
| Debt/Equity | 1.19 | 0.90 | Weak (High Leverage) |
| Current Ratio | 0.00 | 692.04 | Weak Liquidity |
| ROA | 0.27% | -24328.00% (disorted) | Weak |
7181.T outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Japan Post Insurance Co., Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
22.94%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
20.63%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
7.48%
Industry Style: Value, Dividend, Cyclical
Growing