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Japan's largest retail deposit-taking bank, born from the privatized postal savings system, using Japan Post's nationwide branch network.
Japan's largest retail deposit-taking bank, born from the privatized postal savings system, using Japan Post's nationwide branch network.
Earns mostly from interest on bonds and other securities bought with the savings it collects at post offices, rather than from lending, so its income follows market yields. Japan Post Holdings is the parent and has been selling down its stake in stages since the bank's 2015 listing.
In one line: A giant, low-growth Japanese savings bank akin to a nationwide credit union.
Moat: narrow (distribution, scale, installed base). Unmatched nationwide post-office branch network gives deposit-gathering reach few banks can match.
Headquarters: Tokyo, Japan · Founded: 2006 · Employees: 10,771
Size Japan Post Bank (7182.T) is a Japan Financials company (Regional Banks) with a market value of $65.5B, the 25th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥2,890 on 6 Nov 2026.
Performance Over six months the shares gained 7.5%, against +8.0% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue grew 39.2% over the last twelve months (peer median +1.3%); the operating margin is 36.2% (peer median 33.7%).
Valuation It trades at 1.11× book value against a peer median of 1.29× (9th cheapest of 21).
Price implies The share price implies a return on equity of about 8.3%; Japan Post Bank delivers 6.6%, so the price asks more than the business earns today.
Next results Next results expected around 13 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥2.70T | ¥2.75T | ¥2.39T | ¥2.30T | ¥2.03T |
| Revenue growth | — | +15% | +4% | +13% | — |
| Net income | ¥598B | ¥526B | ¥414B | ¥356B | ¥325B |
| Free cash flow | n/a | -¥700B | -¥1.02T | -¥3.78T | -¥11.0B |
| Capital expenditure | n/a | ¥42.6B | ¥53.6B | ¥63.0B | ¥47.4B |
| Total debt | ¥22.5T | ¥27.8T | ¥31.5T | ¥28.4T | ¥21.9T |
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 Bank 7182.T | $65.5B | +7% | +39% | 7% | 1.11× | 8.3% |
| Mitsubishi Ufj Financial 8306.T | $230B | +14% | +11% | 13% | 1.60× | 11.2% |
| Sumitomo Mitsui Financial 8316.T | $145B | +35% | +11% | 11% | 1.42× | 10.0% |
| Resona 8308.T | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% |
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 | 7182.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -16.6% | +2.5% | 3rd lowest of 21 |
| 6-month return | +7.5% | +8.0% | 10th lowest of 21 |
| Return on equity | 6.6% | 10.8% | 2nd lowest of 21 |
| Price / book | 1.11× | 1.29× | 9th cheapest of 21 |
| Trailing P/E | 17.2× | 11.7× | 5th most expensive of 20 |
| ROE the price implies | 8.3% | 9.3% | 8th least demanding of 21 |
| ROE delivered | 6.6% | 11.0% | 2nd lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Japan Post Bank 7182.T | Japan | $65.5B | +7% | +39% | 7% | 1.11× | 8.3% | 6.6% |
| Industrial Bank 601166.SS | China | $62.6B | +10% | -4% | 9% | 0.49× | 2.2% | 9.2% |
| Postal Savings Bank of China 601658.SS | China | $69.7B | +9% | -2% | 9% | 0.62× | 2.7% | 8.7% |
| Truist Financial TFC | United States | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% | 8.2% |
| Nu Holdings Ltd. Class A NU | United States | $58.1B | -13% | +54% | 32% | 4.39× | 32.4% | 31.6% |
| Credit Agricole ACA.PA | France | $53.7B | -8% | -1% | 9% | 0.68× | 8.1% | 8.9% |
| Shanghai Pudong Development Bank 600000.SS | China | $50.1B | +8% | -3% | 6% | 0.40× | 2.0% | 6.1% |
| Fifth Third Bancorp FITB | United States | $47.9B | +8% | +15% | 9% | 1.55× | 13.6% | 9.4% |
| CaixaBank CABK.MC | Spain | $91.9B | +7% | -2% | 16% | 2.05× | 13.3% | 16.5% |
| Commerzbank CBK.DE | Germany | $46.3B | +4% | -3% | 10% | 1.36× | 10.3% | 10.3% |
| Ctbc Financial 2891.TW | Taiwan | $43.7B | +37% | +9% | 15% | 2.06× | 8.9% | 14.7% |
| State Bank of India SBIN.NS | India | $99.5B | -7% | +6% | 15% | 1.40× | 20.7% | 14.6% |
| Canadian Imperial Bank of Commerce CM.TO | Canada | $105B | +8% | 0% | 16% | 2.50× | 20.1% | 15.6% |
| Banca Monte dei Paschi di Siena BMPS.MI | Italy | $38.4B | +19% | +55% | 16% | 1.30× | 13.9% | 15.5% |
| KBFinancialGroup 105560.KS | South Korea | $37.5B | -5% | +32% | 10% | 0.99× | 5.6% | n/a |
| ICICI Bank ICICIBANK.NS | India | $119B | +23% | +8% | 16% | 2.89× | 36.7% | 16.3% |
| Bank of Jiangsu 600919.SS | China | $35.1B | +13% | +5% | 13% | 0.83× | 2.9% | 12.8% |
| Bank of Ningbo 002142.SZ | China | $34.0B | +3% | +3% | 13% | 0.92× | 7.0% | 13.3% |
| M&T Bank MTB | United States | $31.4B | +3% | 0% | 11% | 1.24× | 9.3% | 10.6% |
| Resona 8308.T | Japan | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% | 9.3% |
| First Citizens BancShares FCNCA | United States | $25.2B | +16% | 0% | 11% | 1.29× | 9.3% | 11.0% |