JPPTY (Japan Post Bank Co) Cyclically Adjusted Book per Share: $20.75 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

JPPTY Japan Post Bank Co Ltd JPPTY
63 GF Score
Price $20.32
GF Value $8,658.23
Valuation Significantly Undervalued
! 5 Warning Signs
View Full Analysis

What is Japan Post Bank Co Cyclically Adjusted Book per Share?

Japan Post Bank Co JPPTY +0.69% 63 Cyclically Adjusted Book per Share is $20.75 as of Mar. 2026. GuruFocus rates JPPTY with a GF Score™ of 63/100 and a GF Value™ of $8,658.23 (Significantly Undervalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Japan Post Bank Co's adjusted book value per share for the three months ended in Mar. 2026 was $16.301. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $20.75 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Japan Post Bank Co's average Cyclically Adjusted Book Growth Rate was -100.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-08-06), Japan Post Bank Co's current stock price is $20.32. Japan Post Bank Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $20.75. Japan Post Bank Co's Cyclically Adjusted PB Ratio of today is 0.98.

During the past 12 years, the highest Cyclically Adjusted PB Ratio of Japan Post Bank Co was 1.02. The lowest was 0.43. And the median was 0.54.


Japan Post Bank Co  (OTCPK:JPPTY) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Japan Post Bank Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=20.32/20.75
=0.98

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 12 years, the highest Cyclically Adjusted PB Ratio of Japan Post Bank Co was 1.02. The lowest was 0.43. And the median was 0.54.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Japan Post Bank Co Cyclically Adjusted Book per Share Related Terms


Japan Post Bank Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Japan Post Bank Co's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Japan Post Bank Co Cyclically Adjusted Book per Share Chart

Japan Post Bank Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 19.79 20.75

Japan Post Bank Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 19.79 19.17 24.13 19.51 20.75

Japan Post Bank Co Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Japan Post Bank Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Japan Post Bank Co Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Japan Post Bank Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Japan Post Bank Co's Cyclically Adjusted PB Ratio falls into.


JPPTY
63GF Score
Japan Post Bank Co Ltd JPPTY
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Japan Post Bank Co Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Japan Post Bank Co's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=16.301/112.7000*112.7000
=16.301

Current CPI (Mar. 2026) = 112.7000.

Japan Post Bank Co Quarterly Data

Book Value per Share CPI Adj_Book
201606 29.194 98.100 33.539
201609 30.427 98.000 34.991
201612 26.968 98.400 30.887
201703 27.826 98.100 31.967
201706 28.194 98.500 32.259
201709 28.621 98.800 32.648
201712 28.104 99.400 31.864
201803 28.980 99.200 32.924
201806 27.519 99.200 31.264
201809 26.841 99.900 30.280
201812 25.511 99.700 28.837
201903 27.258 99.700 30.812
201906 28.302 99.800 31.960
201909 28.903 100.100 32.541
201912 28.016 100.500 31.417
202003 22.281 100.300 25.036
202006 26.319 99.900 29.691
202009 27.930 99.900 31.509
202012 29.580 99.300 33.572
202103 27.903 99.900 31.478
202106 27.680 99.500 31.352
202109 27.727 100.100 31.217
202112 26.502 100.100 29.838
202203 23.104 101.100 25.755
202206 19.838 101.800 21.962
202209 17.578 103.100 19.215
202212 18.203 104.100 19.707
202303 19.610 104.400 21.169
202306 18.856 105.200 20.200
202309 16.873 106.200 17.906
202312 18.318 106.800 19.330
202403 17.843 107.200 18.758
202406 16.168 108.200 16.840
202409 18.381 108.900 19.022
202412 16.832 110.700 17.136
202503 16.847 111.100 17.090
202506 17.406 111.700 17.562
202509 17.538 112.000 17.648
202512 16.817 113.000 16.772
202603 16.301 112.700 16.301

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $20.75 mean?
Japan Post Bank Co (JPPTY) has a Cyclically Adjusted Book per Share of $20.75 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Japan Post Bank Co and its competitors.
Is Japan Post Bank Co's Cyclically Adjusted Book per Share too high?
Japan Post Bank Co's current Cyclically Adjusted Book per Share is $20.75. Overall, Japan Post Bank Co has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Japan Post Bank Co's Cyclically Adjusted Book per Share compare to competitors?
Japan Post Bank Co's Cyclically Adjusted Book per Share of $20.75 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Japan Post Bank Co and its competitors. Japan Post Bank Co's current Cyclically Adjusted Book per Share is $20.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Post Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Japan Post Bank Co (JPPTY) is currently considered Significantly Undervalued. The stock's GF Value™ is $8,658.23, compared to a current price of $20.32 — trading 99.8% below its estimated fair value. The current Cyclically Adjusted Book per Share is $20.75. Japan Post Bank Co's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Japan Post Bank Co (JPPTY), the current Cyclically Adjusted Book per Share is $20.75 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Japan Post Bank Co (JPPTY) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Bank Co stock appears to be undervalued. The current stock price of $20.32 is trading 99.8% below its estimated GF Value™ of $8,658.23. GuruFocus considers Japan Post Bank Co to be Significantly Undervalued.

Key valuation signals for JPPTY:

  • Cyclically Adjusted Book per Share: $20.75
  • GF Value™: $8,658.23 vs. price of $20.32 (99.8% below fair value)
  • GF Score™: 63/100 with 5 warning signs

No single metric tells the full story. See the JPPTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Japan Post Bank Co Business Description

Address 2-3-1 Otemachi, Chiyoda-ku, Tokyo, JPN, 100-8793
Japan Post Bank Co Ltd is the successor of the postal-savings system dating to the Meiji era. It was partially privatized in 2015, when the government sold to the public an 11% stake in parent company Japan Post Holdings, which in turn sold 11% stakes in Japan Post Bank and Japan Post Insurance to the public. Japan Post Bank is now 64% owned by Japan Post Holdings, which is majority owned by the government. The law requires Japan Post Holdings to divest itself of Japan Post Bank eventually. Japan Post Bank has 235 direct branches and also accepts deposits and sells investment products at more than 24,000 post offices across the country through a sales-agency agreement with Japan Post (an unlisted subsidiary of Japan Post Holdings).
63GF Score

Get the complete analysis for JPPTY

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.32
Price
$8,658.23
GF Value