Japan Post Bank Co (STU:5JP) Cyclically Adjusted Book per Share: € (As of Jun. 2026)

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STU:5JP Japan Post Bank Co Ltd STU:5JP
58 GF Score
Price €18.00
GF Value €8.64
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Japan Post Bank Co Cyclically Adjusted Book per Share?

Japan Post Bank Co STU:5JP -2.69% 58 Cyclically Adjusted Book per Share is € as of Jun. 2026. GuruFocus rates STU:5JP with a GF Score™ of 58/100 and a GF Value™ of €8.64 (Significantly Overvalued). 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 Jun. 2026 was €14.031. 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 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Japan Post Bank Co's average Cyclically Adjusted Book Growth Rate was -1.10% 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 (2026-09-22), Japan Post Bank Co's current stock price is €18.00. Japan Post Bank Co's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was . Japan Post Bank Co's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Japan Post Bank Co was 1.10. The lowest was 0.43. And the median was 0.59.


Japan Post Bank Co  (STU:5JP) 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Japan Post Bank Co was 1.10. The lowest was 0.43. And the median was 0.59.


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

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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
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Cyclically Adjusted Book per Share
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Japan Post Bank Co Quarterly Data
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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.


STU:5JP
58GF Score
Japan Post Bank Co Ltd STU:5JP
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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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 Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=14.031/113.6000*113.6000
=14.031

Current CPI (Jun. 2026) = 113.6000.

Japan Post Bank Co Quarterly Data

Book Value per Share CPI Adj_Book
201609 27.214 98.000 31.546
201612 25.428 98.400 29.356
201703 26.364 98.100 30.530
201706 24.403 98.500 28.144
201709 23.825 98.800 27.394
201712 23.464 99.400 26.816
201803 23.497 99.200 26.908
201806 23.425 99.200 26.825
201809 22.816 99.900 25.945
201812 22.832 99.700 26.015
201903 24.387 99.700 27.787
201906 24.939 99.800 28.387
201909 26.399 100.100 29.959
201912 25.077 100.500 28.346
202003 20.275 100.300 22.964
202006 23.394 99.900 26.602
202009 23.864 99.900 27.137
202012 24.349 99.300 27.855
202103 23.405 99.900 26.615
202106 23.209 99.500 26.498
202109 23.682 100.100 26.876
202112 23.098 100.100 26.213
202203 20.349 101.100 22.865
202206 18.790 101.800 20.968
202209 17.836 103.100 19.652
202212 17.516 104.100 19.114
202303 18.197 104.400 19.801
202306 16.979 105.200 18.335
202309 15.868 106.200 16.974
202312 17.009 106.800 18.092
202403 16.424 107.200 17.405
202406 14.872 108.200 15.614
202409 16.534 108.900 17.248
202412 15.985 110.700 16.404
202503 15.633 111.100 15.985
202506 14.899 111.700 15.152
202509 15.012 112.000 15.226
202512 14.311 113.000 14.387
202603 14.183 112.700 14.296
202606 14.031 113.600 14.031

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 € mean?
Japan Post Bank Co (STU:5JP) has a Cyclically Adjusted Book per Share of € as of Jun. 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 €. Overall, Japan Post Bank Co has a GF Score™ of 58/100 and is considered Significantly Overvalued, 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 € 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 €. 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 (STU:5JP) is currently considered Significantly Overvalued. The stock's GF Value™ is €8.64, compared to a current price of €18.00 — trading 108.3% above its estimated fair value. The current Cyclically Adjusted Book per Share is €. Japan Post Bank Co's overall GF Score™ is 58/100 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 (STU:5JP), the current Cyclically Adjusted Book per Share is € as of Jun. 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 (STU:5JP) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Bank Co stock appears to be overvalued. The current stock price of €18.00 is trading 108.3% above its estimated GF Value™ of €8.64. GuruFocus considers Japan Post Bank Co to be Significantly Overvalued.

Key valuation signals for STU:5JP:

  • Cyclically Adjusted Book per Share:
  • GF Value™: €8.64 vs. price of €18.00 (108.3% above fair value)
  • GF Score™: 58/100 with 5 warning signs

No single metric tells the full story. See the STU:5JP 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).
58GF Score

Get the complete analysis for STU:5JP

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

€18.00
Price
€8.64
GF Value