JAPAN POST BANK Co., Ltd. (7182.T) stock analysis

In our weekly check, JAPAN POST BANK Co., Ltd. is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 14 pass, warnings: 2, red flags: 8.

About JAPAN POST BANK Co., Ltd.

JAPAN POST BANK Co., Ltd. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 7182.T.

What our checks show for 7182.T

Red flags

• The gross margin fell by 22.6 points, to 64.9%: costs are rising faster than prices.
• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• Analysts expect revenue to shrink about 8.1% a year.
• Free cash flow is negative (-23.7% of revenue): the business spends more cash than it brings in.
• Recovering from its deepest fall took about 4.8 years.
• Return on capital (ROCE) is only 0.4%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• The price swings a lot: 36.5% annual volatility. Expect large ups and downs.
• The stock has fallen as much as 56% from a peak. Would you have held through that?

Strengths

• Analysts expect earnings per share to grow about 22.3% a year over the next years.
• Analysts expect the net margin to improve by 23.9 points from today's 20.3%.
• Earnings per share grew 24.5% a year over the last 3 years.
• Net profit grew 22.5% a year over the last 3 years.
• The company keeps 20.3% of its revenue as net profit.
• A large company: market value $67.24 billion.

Next earnings report: 2026-11-13

Similar companies

OTP.BD · SBIN.NS · BCI.SN · 6178.T · 316140.KS · 8308.T

Questions

What grade does JAPAN POST BANK Co., Ltd. (7182.T) have?

In our weekly check, JAPAN POST BANK Co., Ltd. is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 14 pass, warnings: 2, red flags: 8. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 7182.T stock?

This week's biggest flags for JAPAN POST BANK Co., Ltd.: Gross margin falling, Profits not backed by cash, Weak revenue forecast. In total 10 of 24 checks show a warning or a red flag.

What does JAPAN POST BANK Co., Ltd. do?

JAPAN POST BANK Co., Ltd. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 7182.T.

When does JAPAN POST BANK 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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