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Life insurer sold primarily through Japan's nationwide post-office network, majority-owned by Japan Post Holdings.
Life insurer sold primarily through Japan's nationwide post-office network, majority-owned by Japan Post Holdings.
Sells policies, mostly savings-type life insurance, through post offices run by sister company Japan Post Co., to which it pays commissions, so its sales depend on that channel. It invests premiums mainly in bonds and earns the gap between those returns and what it promises policyholders.
In one line: A postal-network-distributed life insurer with no direct US equivalent.
Moat: narrow (distribution, brand). Distribution through Japan's ubiquitous post-office network reaches customers other insurers can't easily match.
Headquarters: Tokyo, Japan · Founded: 2007 · Employees: 18,487
Size JAPAN POST INSURANCE (7181.T) is a Japan Financials company (Life/Health Insurance) with a market value of $11.2B, the 124th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥1,644 on 6 Nov 2026.
Performance Over six months the shares gained 7.7%, against +12.0% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue fell 5.9% over the last twelve months (peer median +17.2%); the operating margin is 7.2% (peer median 9.8%).
Valuation It trades at 0.38× book value against a peer median of 2.41× (2nd cheapest of 20).
Price implies The share price implies a return on equity of about 2.9%; JAPAN POST INSURANCE delivers 4.2%, so the price asks less than the business earns today.
Credit JAPAN POST INSURANCE has 1 bond outstanding ($1.00B), rated A- by the agencies.
Next results Next results expected around 13 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥2.88T | ¥2.87T | ¥3.51T | ¥2.80T | ¥3.15T |
| Revenue growth | — | -18% | +26% | -11% | — |
| Net income | ¥168B | ¥169B | ¥123B | ¥87.1B | ¥97.6B |
| Free cash flow | n/a | -¥1.89T | -¥1.64T | -¥3.11T | -¥2.98T |
| Capital expenditure | n/a | ¥43.8B | ¥57.7B | ¥86.5B | ¥32.2B |
| Total debt | ¥4.80T | ¥5.10T | ¥5.02T | ¥4.31T | ¥4.05T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| JAPAN POST INSURANCE 7181.T | $11.2B | +8% | -6% | 4% | 0.38× | 2.9% |
| Daiichi Life 8750.T | $39.0B | +18% | +17% | 14% | 1.34× | 8.1% |
| T&d 8795.T | $14.0B | +21% | +6% | 9% | 1.32× | 5.6% |
| Sony Financial 8729.T | $6.06B | +1% | -10% | 14% | 1.08× | 5.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 7181.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -4.9% | +2.9% | 4th lowest of 21 |
| 6-month return | +7.7% | +12.0% | 10th lowest of 21 |
| Return on equity | 4.2% | 12.9% | 5th lowest of 21 |
| Price / book | 0.38× | 2.41× | 2nd cheapest of 20 |
| Trailing P/E | 10.7× | 15.0× | 5th cheapest of 20 |
| ROE the price implies | 2.9% | 18.2% | least demanding of 19 |
| ROE delivered | 4.2% | 13.3% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| JAPAN POST INSURANCE 7181.T | Japan | $11.2B | +8% | -6% | 4% | 0.38× | 2.9% | 4.2% |
| Standard Life SDLF.L | United Kingdom | $12.5B | +25% | +135% | -179% | 38.09× | n/a | -179.3% |
| Medibank Private MPL.AX | Australia | $9.94B | +14% | +9% | 27% | 5.90× | 23.8% | 26.8% |
| HDFC Life Insurance HDFCLIFE.NS | India | $13.0B | -10% | +19% | 11% | 6.31× | 72.0% | 11.2% |
| Primerica PRI | United States | $8.94B | +6% | +8% | 33% | 3.56× | 24.9% | 32.9% |
| T&d 8795.T | Japan | $14.0B | +21% | +6% | 9% | 1.32× | 5.6% | 9.3% |
| Voya Financial VOYA | United States | $8.91B | +21% | -3% | 14% | 2.34× | 17.2% | 14.3% |
| Equitable EQH | United States | $14.1B | +24% | +6% | -183% | n/a | n/a | n/a |
| Jackson Financial Incorporation JXN | United States | $8.70B | +17% | +34% | 9% | 1.10× | 12.5% | 9.5% |
| Corebridge Financial CRBG | United States | $14.9B | +25% | +10% | 22% | 2.41× | 19.3% | 21.7% |
| St. James's Place STJ.L | United Kingdom | $7.48B | -3% | +164% | 38% | 3.64× | 43.3% | 38.4% |
| Reinsurance Group of America RGA | United States | $17.1B | +24% | +20% | 12% | 1.25× | 8.0% | 11.7% |
| Kgi Financial 2883.TW | Taiwan | $17.3B | +60% | +32% | 14% | 1.33× | 7.1% | 14.4% |
| ICICI Life Insurance ICICILIFE.NS | India | $6.77B | -22% | -8% | 13% | 4.67× | 65.0% | 12.6% |
| SBI Life Insurance SBILIFE.NS | India | $18.9B | -5% | +18% | 14% | 8.72× | 105.4% | 13.7% |
| Challenger CGF.AX | Australia | $5.59B | +36% | -25% | 13% | 2.01× | 15.8% | 13.3% |
| NN Group N.V. NN.AS | Netherlands | $22.4B | +4% | +39% | 9% | 1.08× | 6.9% | 9.2% |
| E-L Financial ELF.TO | Canada | $4.74B | +10% | +32% | 20% | 0.68× | 6.4% | 20.2% |
| Max Financial Services MFSL.NS | India | $4.68B | -25% | +18% | 3% | 7.71× | 78.7% | 3.3% |
| Samsung Life 032830.KS | South Korea | $31.0B | -6% | +13% | 3% | 0.29× | 4.5% | 3.2% |
| Bajaj Finserv BAJAJFINSV.NS | India | $31.6B | +2% | +17% | 13% | 3.55× | 54.3% | 13.3% |
JAPAN POST INSURANCE has 1 bond outstanding with $1.00B face value. The agencies rate it A-.