Japan Post Insurance Co (TSE:7181) Cyclically Adjusted Book per Share: 円2,040.97 (As of Mar. 2026)


TSE:7181 Japan Post Insurance Co Ltd TSE:7181
58 GF Score
Price 円1,646.00
GF Value 円1,434.33
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Japan Post Insurance Co Cyclically Adjusted Book per Share?

Japan Post Insurance Co TSE:7181 -1.26% 58 Cyclically Adjusted Book per Share is 円2,040.97 as of Mar. 2026. GuruFocus rates TSE:7181 with a GF Score™ of 58/100 and a GF Value™ of 円1,434.33 (Modestly Overvalued). 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 円3,833.132. 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 円2,040.97 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 (2026-07-09), Japan Post Insurance Co's current stock price is 円1646.00. Japan Post Insurance Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was 円2,040.97. Japan Post Insurance Co's Cyclically Adjusted PB Ratio of today is 0.81.

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  (TSE:7181) 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
=1646.00/2040.97
=0.81

* 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 1,794.79 2,040.97

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 1,794.79 1,836.03 1,897.49 1,978.81 2,040.97

TSE:7181 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.


TSE:7181
58GF Score
Japan Post Insurance Co Ltd TSE:7181
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)
=3833.132/112.7000*112.7000
=3,833.132

Current CPI (Mar. 2026) = 112.7000.

Japan Post Insurance Co Quarterly Data

Book Value per Share CPI Adj_Book
201606 969.557 98.100 1,113.854
201609 990.700 98.000 1,139.305
201612 1,042.594 98.400 1,194.109
201703 1,029.936 98.100 1,183.219
201706 1,075.452 98.500 1,230.492
201709 1,125.680 98.800 1,284.050
201712 1,225.691 99.400 1,389.692
201803 1,113.215 99.200 1,264.711
201806 1,133.297 99.200 1,287.526
201809 1,130.454 99.900 1,275.297
201812 1,050.654 99.700 1,187.650
201903 1,186.565 99.700 1,341.283
201906 1,325.460 99.800 1,496.787
201909 1,327.677 100.100 1,494.797
201912 1,402.565 100.500 1,572.827
202003 1,142.903 100.300 1,284.199
202006 1,395.053 99.900 1,573.799
202009 1,474.426 99.900 1,663.341
202012 1,607.104 99.300 1,823.974
202103 1,684.038 99.900 1,899.811
202106 2,149.319 99.500 2,434.455
202109 2,222.829 100.100 2,502.626
202112 2,218.890 100.100 2,498.191
202203 2,019.861 101.100 2,251.616
202206 1,927.314 101.800 2,133.677
202209 1,869.710 103.100 2,043.805
202212 1,790.222 104.100 1,938.117
202303 2,068.933 104.400 2,233.417
202306 2,440.074 105.200 2,614.034
202309 2,335.400 106.200 2,478.339
202312 2,498.553 106.800 2,636.582
202403 2,957.204 107.200 3,108.926
202406 0.000 108.200 0.000
202409 2,876.372 108.900 2,976.741
202412 3,038.900 110.700 3,093.803
202503 2,822.657 111.100 2,863.307
202506 3,034.814 111.700 3,061.983
202509 3,410.315 112.000 3,431.629
202512 3,772.687 113.000 3,762.671
202603 3,833.132 112.700 3,833.132

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 円2,040.97 mean?
Japan Post Insurance Co (TSE:7181) has a Cyclically Adjusted Book per Share of 円2,040.97 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 円2,040.97. Overall, Japan Post Insurance Co has a GF Score™ of 58/100 and is considered Modestly Overvalued, 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 円2,040.97 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 円2,040.97. 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 (TSE:7181) is currently considered Modestly Overvalued. The stock's GF Value™ is 円1,434.33, compared to a current price of 円1,646.00 — trading 14.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is 円2,040.97. Japan Post Insurance Co's overall GF Score™ is 58/100 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 (TSE:7181), the current Cyclically Adjusted Book per Share is 円2,040.97 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 (TSE:7181) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Insurance Co stock appears to be overvalued. The current stock price of 円1,646.00 is trading 14.8% above its estimated GF Value™ of 円1,434.33. GuruFocus considers Japan Post Insurance Co to be Modestly Overvalued.

Key valuation signals for TSE:7181:

  • Cyclically Adjusted Book per Share: 円2,040.97
  • GF Value™: 円1,434.33 vs. price of 円1,646.00 (14.8% above fair value)
  • GF Score™: 58/100 with 3 warning signs

No single metric tells the full story. See the TSE:7181 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:USA4JP:Germany
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.
58GF Score

Get the complete analysis for TSE:7181

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

円1,646.00
Price
円1,434.33
GF Value