Japan Post Insurance Co (STU:4JP) Cyclically Adjusted Book per Share: €11.40 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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.

STU:4JP Japan Post Insurance Co Ltd STU:4JP
66 GF Score
Price €8.75
GF Value €8.01
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

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

Japan Post Insurance Co STU:4JP -2.23% 66 Cyclically Adjusted Book per Share is €11.40 as of Mar. 2026. GuruFocus rates STU:4JP with a GF Score™ of 66/100 and a GF Value™ of €8.01 (Fairly Valued). The stock has 3 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 Insurance Co's adjusted book value per share for the three months ended in Mar. 2026 was €20.895. 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 €11.40 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Japan Post Insurance Co's average Cyclically Adjusted Book Growth Rate was 13.70% 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 (2026-07-16), Japan Post Insurance Co's current stock price is €8.75. Japan Post Insurance Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €11.40. Japan Post Insurance Co's Cyclically Adjusted PB Ratio of today is 0.77.

During the past 12 years, the highest Cyclically Adjusted PB Ratio of Japan Post Insurance Co was 0.87. The lowest was 0.48. And the median was 0.73.


Japan Post Insurance Co  (STU:4JP) 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 Insurance Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=8.75/11.40
=0.77

* 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 Insurance Co was 0.87. The lowest was 0.48. And the median was 0.73.


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 Insurance Co Cyclically Adjusted Book per Share Related Terms


Japan Post Insurance Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Japan Post Insurance 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 Insurance Co Cyclically Adjusted Book per Share Chart

Japan Post Insurance 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 11.00 11.40

Japan Post Insurance 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 11.00 10.64 10.77 10.67 11.40

STU:4JP vs AFL, MET, PRU: Cyclically Adjusted Book per Share Comparison

For the Insurance - Life subindustry, Japan Post Insurance 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 Insurance Co Cyclically Adjusted PB Ratio vs Insurance Industry

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

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


STU:4JP
66GF Score
Japan Post Insurance Co Ltd STU:4JP
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Japan Post Insurance 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 Insurance 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)
=20.895/112.7000*112.7000
=20.895

Current CPI (Mar. 2026) = 112.7000.

Japan Post Insurance Co Quarterly Data

Book Value per Share CPI Adj_Book
201606 8.191 98.100 9.410
201609 8.672 98.000 9.973
201612 8.521 98.400 9.759
201703 8.528 98.100 9.797
201706 8.630 98.500 9.874
201709 8.526 98.800 9.726
201712 9.170 99.400 10.397
201803 8.513 99.200 9.672
201806 8.814 99.200 10.013
201809 8.642 99.900 9.749
201812 8.231 99.700 9.304
201903 9.448 99.700 10.680
201906 10.855 99.800 12.258
201909 11.210 100.100 12.621
201912 11.570 100.500 12.975
202003 9.607 100.300 10.795
202006 11.515 99.900 12.990
202009 11.855 99.900 13.374
202012 12.727 99.300 14.444
202103 13.014 99.900 14.681
202106 16.202 99.500 18.351
202109 17.151 100.100 19.310
202112 17.251 100.100 19.422
202203 15.467 101.100 17.242
202206 13.610 101.800 15.067
202209 13.179 103.100 14.406
202212 12.526 104.100 13.561
202303 14.457 104.400 15.606
202306 15.933 105.200 17.069
202309 14.801 106.200 15.707
202312 15.913 106.800 16.792
202403 18.159 107.200 19.091
202406 0.000 108.200 0.000
202409 18.129 108.900 18.762
202412 18.868 110.700 19.209
202503 17.516 111.100 17.768
202506 18.211 111.700 18.374
202509 19.651 112.000 19.774
202512 20.664 113.000 20.609
202603 20.895 112.700 20.895

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 €11.40 mean?
Japan Post Insurance Co (STU:4JP) has a Cyclically Adjusted Book per Share of €11.40 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 Insurance Co and its competitors.
Is Japan Post Insurance Co's Cyclically Adjusted Book per Share too high?
Japan Post Insurance Co's current Cyclically Adjusted Book per Share is €11.40. Overall, Japan Post Insurance Co has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Japan Post Insurance Co's Cyclically Adjusted Book per Share compare to AFL and MET?
Japan Post Insurance Co's Cyclically Adjusted Book per Share of €11.40 can be compared against companies in the Insurance 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 an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance 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 Insurance Co and its competitors. Japan Post Insurance Co's current Cyclically Adjusted Book per Share is €11.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Post Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Japan Post Insurance Co (STU:4JP) is currently considered Fairly Valued. The stock's GF Value™ is €8.01, compared to a current price of €8.75 — trading 9.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is €11.40. Japan Post Insurance Co's overall GF Score™ is 66/100 with 3 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 Insurance Co (STU:4JP), the current Cyclically Adjusted Book per Share is €11.40 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 Insurance Co (STU:4JP) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Insurance Co stock appears to be overvalued. The current stock price of €8.75 is trading 9.2% above its estimated GF Value™ of €8.01. GuruFocus considers Japan Post Insurance Co to be Fairly Valued.

Key valuation signals for STU:4JP:

  • Cyclically Adjusted Book per Share: €11.40
  • GF Value™: €8.01 vs. price of €8.75 (9.2% above fair value)
  • GF Score™: 66/100 with 3 warning signs

No single metric tells the full story. See the STU:4JP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Japan Post Insurance Co Business Description

Other Exchanges JPNPY:USA7181:Japan
Address 2-3-1 Otemachi, Chiyoda-ku, Tokyo, JPN, 100-8794
Japan Post Insurance Co Ltd is a life insurance company based in Japan. It is engaged in the life insurance business and the postal life insurance management business. In addition, it provides agency and administrative services for other insurance companies, including foreign insurance companies and other financial services companies, as well as loan guarantees and other related businesses. The group has only one segment, namely, the Life Insurance Business in Japan.
66GF Score

Get the complete analysis for STU:4JP

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

€8.75
Price
€8.01
GF Value