Japan Post Insurance Co., Ltd. (7181.T) stock analysis

In our weekly check, Japan Post Insurance Co., Ltd. is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 15 pass, warnings: 2, red flags: 7.

About Japan Post Insurance Co., Ltd.

Japan Post Insurance Co., Ltd. is a Financial Services company (Insurance - Life) based in Japan, listed on JPX as 7181.T.

What our checks show for 7181.T

Red flags

• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• Revenue fell 0.7% a year over the last 3 years.
• Free cash flow is negative (-61.1% of revenue): the business spends more cash than it brings in.
• The stock has fallen as much as 69% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.1 years.
• Return on capital (ROCE) is only 0.4%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Analysts expect the net margin to shrink by 1.9 points from today's 5.4%.
• The net margin is only 5.4%: little room if costs rise.

Strengths

• The net margin rose by 0.9 points over 5 years, to 5.4%.
• Analysts expect revenue to grow about 19.7% a year over the next years.
• Earnings per share grew 22.7% a year over the last 3 years.
• Net profit grew 19.9% a year over the last 3 years.
• The dividend takes 26% of profit: there is a cushion.
• The price is 11.5 times earnings (P/E), reasonable for its growth.

Next earnings report: 2026-11-13

Similar companies

2882.TW · SBILIFE.BO · 2881.TW · 8795.T · HDFCLIFE.NS · 2628.HK

Questions

What grade does Japan Post Insurance Co., Ltd. (7181.T) have?

In our weekly check, Japan Post Insurance Co., Ltd. is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 15 pass, warnings: 2, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 7181.T stock?

This week's biggest flags for Japan Post Insurance Co., Ltd.: Profits not backed by cash, Weak revenue growth, Weak free cash flow. In total 9 of 24 checks show a warning or a red flag.

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

Japan Post Insurance Co., Ltd. is a Financial Services company (Insurance - Life) based in Japan, listed on JPX as 7181.T.

When does Japan Post Insurance 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 2026-10-31

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