Japan Post Bank Co (TSE:7182) Cyclically Adjusted Book per Share: 円3,127.55 (As of Mar. 2026)

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TSE:7182 Japan Post Bank Co Ltd TSE:7182
69 GF Score
Price 円3,232.00
GF Value 円1,372,960.28
Valuation Significantly Undervalued
! 5 Warning Signs
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What is Japan Post Bank Co Cyclically Adjusted Book per Share?

Japan Post Bank Co TSE:7182 +1.00% 69 Cyclically Adjusted Book per Share is 円3,127.55 as of Mar. 2026. GuruFocus rates TSE:7182 with a GF Score™ of 69/100 and a GF Value™ of 円1,372,960.28 (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 円2,586.633. 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3,127.55 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 円3232.00. Japan Post Bank Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was 円3,127.55. Japan Post Bank Co's Cyclically Adjusted PB Ratio of today is 1.03.

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  (TSE:7182) 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
=3232.00/3127.55
=1.03

* 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 3,163.56 3,127.55

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 3,163.56 3,164.00 3,152.36 3,159.61 3,127.55

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.


TSE:7182
69GF Score
Japan Post Bank Co Ltd TSE:7182
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)
=2586.633/112.7000*112.7000
=2,586.633

Current CPI (Mar. 2026) = 112.7000.

Japan Post Bank Co Quarterly Data

Book Value per Share CPI Adj_Book
201606 3,075.613 98.100 3,533.349
201609 3,096.954 98.000 3,561.497
201612 3,128.225 98.400 3,582.835
201703 3,142.053 98.100 3,609.678
201706 3,127.095 98.500 3,577.905
201709 3,170.501 98.800 3,616.553
201712 3,174.043 99.400 3,598.739
201803 3,073.200 99.200 3,491.428
201806 3,028.893 99.200 3,441.091
201809 3,008.767 99.900 3,394.275
201812 2,862.284 99.700 3,235.501
201903 3,029.615 99.700 3,424.650
201906 3,058.576 99.800 3,453.923
201909 3,108.208 100.100 3,499.451
201912 3,056.576 100.500 3,427.623
202003 2,398.988 100.300 2,695.573
202006 2,831.319 99.900 3,194.091
202009 2,949.127 99.900 3,326.993
202012 3,070.262 99.300 3,484.577
202103 3,033.031 99.900 3,421.648
202106 3,047.721 99.500 3,452.042
202109 3,054.457 100.100 3,438.934
202112 3,016.822 100.100 3,396.562
202203 2,739.609 101.100 3,053.946
202206 2,657.521 101.800 2,942.069
202209 2,518.608 103.100 2,753.124
202212 2,455.878 104.100 2,658.765
202303 2,621.176 104.400 2,829.565
202306 2,665.470 105.200 2,855.499
202309 2,494.662 106.200 2,647.348
202312 2,637.511 106.800 2,783.216
202403 2,673.235 107.200 2,810.388
202406 2,552.271 108.200 2,658.419
202409 2,627.590 108.900 2,719.278
202412 2,589.015 110.700 2,635.790
202503 2,511.184 111.100 2,547.349
202506 2,514.857 111.700 2,537.371
202509 2,593.173 112.000 2,609.380
202512 2,621.978 113.000 2,615.017
202603 2,586.633 112.700 2,586.633

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3,127.55 mean?
Japan Post Bank Co (TSE:7182) has a Cyclically Adjusted Book per Share of 円3,127.55 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 円3,127.55. Overall, Japan Post Bank Co has a GF Score™ of 69/100 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 円3,127.55 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 円3,127.55. 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 (TSE:7182) is currently considered Significantly Undervalued. The stock's GF Value™ is 円1,372,960.28, compared to a current price of 円3,232.00 — trading 99.8% below its estimated fair value. The current Cyclically Adjusted Book per Share is 円3,127.55. Japan Post Bank Co's overall GF Score™ is 69/100 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 (TSE:7182), the current Cyclically Adjusted Book per Share is 円3,127.55 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 (TSE:7182) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Bank Co stock appears to be undervalued. The current stock price of 円3,232.00 is trading 99.8% below its estimated GF Value™ of 円1,372,960.28. GuruFocus considers Japan Post Bank Co to be Significantly Undervalued.

Key valuation signals for TSE:7182:

  • Cyclically Adjusted Book per Share: 円3,127.55
  • GF Value™: 円1,372,960.28 vs. price of 円3,232.00 (99.8% below fair value)
  • GF Score™: 69/100 with 5 warning signs

No single metric tells the full story. See the TSE:7182 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).
69GF Score

Get the complete analysis for TSE:7182

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

円3,232.00
Price
円1,372,960.28
GF Value