Japan Post Holdings Co., Ltd. (6178.T) stock analysis

In our weekly check, Japan Post Holdings Co., Ltd. is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 13 pass, warnings: 3, red flags: 7.

About Japan Post Holdings Co., Ltd.

Japan Post Holdings Co., Ltd. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 6178.T.

What our checks show for 6178.T

Red flags

• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• The net margin is only 3.8%: little room if costs rise.
• Free cash flow is negative (-56.9% of revenue): the business spends more cash than it brings in.
• The stock has fallen as much as 64% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5 years.
• Return on capital (ROCE) is only 0.4%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• The net margin fell by 0.7 points over 5 years, to 3.8%: the company keeps less of each sale as profit.
• Analysts expect only about 3.1% a year of growth in revenue.
• Revenue grew only 1.2% a year over the last 3 years.

Strengths

• Analysts expect earnings per share to grow about 19.6% a year over the next years.
• A large company: market value $40.83 billion.
• Beta 0.22: the stock usually moves less than the market.
• The share count fell by 13.4% in 2 years: the company buys back its own shares.
• Actively traded: about 5.2 million shares a day.

Next earnings report: 2026-11-13

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Questions

What grade does Japan Post Holdings Co., Ltd. (6178.T) have?

In our weekly check, Japan Post Holdings Co., Ltd. is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 13 pass, warnings: 3, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 6178.T stock?

This week's biggest flags for Japan Post Holdings Co., Ltd.: Profits not backed by cash, Thin margins, Weak free cash flow. In total 10 of 23 checks show a warning or a red flag.

What does Japan Post Holdings Co., Ltd. do?

Japan Post Holdings Co., Ltd. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 6178.T.

When does Japan Post Holdings Co., Ltd. report earnings next?

The next earnings report is expected on 2026-11-13. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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