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Japan Post Bank CoTSE:7182 -0.67%58 Cyclically Adjusted PB Ratio is 1.04 as of Sep. 22, 2026, which is 76% above its 10-year median of 0.59. GuruFocus rates TSE:7182 with a GF Score™ of 58/100 and a GF Value™ of 円1,864.59 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,272 Banks companies, Japan Post Bank Co ranks better than 63.76% on this metric.
The historical rank and industry rank for Japan Post Bank Co's Cyclically Adjusted PB Ratio or its related term are showing as below:
TSE:7182'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.43 Med: 0.59 Max: 1.1
Current: 1.05
During the past years, Japan Post Bank Co's highest Cyclically Adjusted PB Ratio was 1.10. The lowest was 0.43. And the median was 0.59.
TSE:7182's Cyclically Adjusted PB Ratio is ranked better than 63.76% of 1272
companies
in the Banks industry
Industry Median: 1.29
vs TSE:7182: 1.05
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 adjusted book value per share data for the three months ended in Jun. 2026 was 円2,607.260. 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3,135.46 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Japan Post Bank Co (TSE:7182) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Japan Post Bank Co Cyclically Adjusted PB Ratio Related Terms
Japan Post Bank Co Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for Japan Post Bank Co's Cyclically Adjusted PB Ratio 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 PB Ratio Chart
Japan Post Bank Co Cyclically Adjusted PB Ratio 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.
Japan Post Bank Co Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
Japan Post Bank Co's Cyclically Adjusted PB Ratio for today is calculated as
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 1.04 mean?
Japan Post Bank Co (TSE:7182) has a Cyclically Adjusted PB Ratio of 1.04 as of Sep. 22, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Japan Post Bank Co and its competitors. This is 76% above median its historical median of 0.59. Over the past decade, Japan Post Bank Co's Cyclically Adjusted PB Ratio has ranged from 0.43 to 1.10. According to the industry distribution chart, Japan Post Bank Co ranks #461 out of 1272 companies in the Banks industry, placing it in the top 36.2%.
Is Japan Post Bank Co's Cyclically Adjusted PB Ratio too high?
Japan Post Bank Co's current Cyclically Adjusted PB Ratio of 1.04 is 76% above median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.43 to a high of 1.10. The Banks industry median Cyclically Adjusted PB Ratio is 1.29. Japan Post Bank Co's value of 1.04 is 19.4% below this industry median. Based on the distribution chart, Japan Post Bank Co ranks #461 out of 1272 companies in the Banks industry, which is above the industry midpoint. 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 PB Ratio compare to competitors?
According to the Banks industry distribution chart, Japan Post Bank Co ranks #461 out of 1272 companies for Cyclically Adjusted PB Ratio. This puts Japan Post Bank Co in the upper half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.29. Japan Post Bank Co's value of 1.04 is 19.4% below this benchmark. Historically, Japan Post Bank Co's own Cyclically Adjusted PB Ratio has ranged from 0.43 to 1.10 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 1.29, Japan Post Bank Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.29, based on 1,272 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Post Bank Co's current Cyclically Adjusted PB Ratio of 1.04 is 19.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Japan Post Bank Co and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Bank Co's current Cyclically Adjusted PB Ratio is 1.04, which is 76% above median its own 10-year median of 0.59. 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 Overvalued. The stock's GF Value™ is 円1,864.59, compared to a current price of 円3,264.00 — trading 75.1% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 1.04, which is 76% above median its 10-year median of 0.59 and 19.4% below the Banks industry median of 1.29. 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 PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Japan Post Bank Co (TSE:7182), the current Cyclically Adjusted PB Ratio is 1.04 as of Sep. 22, 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 overvalued.
The current stock price of 円3,264.00 is trading 75.1% above its estimated GF Value™ of 円1,864.59.
GuruFocus considers Japan Post Bank Co to be Significantly Overvalued.
Key valuation signals for TSE:7182:
Cyclically Adjusted PB Ratio: 1.04 (76% above median its 10-year median of 0.59)
GF Value™: 円1,864.59 vs. price of 円3,264.00 (75.1% above fair value)
Industry Position: 19.4% below the Banks median (#461 of 1272)
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 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
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Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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