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Japan Post Insurance CoJPPIF 65 Debt-to-Equity is 0.12 as of Mar. 2026, which is at its 10-year median of 0.12. GuruFocus rates JPPIF with a GF Score™ of 65/100 and a GF Value™ of $6.27 (Fairly Valued). The stock has 4 warning signs investors should review. Among 404 Insurance companies, Japan Post Insurance Co ranks better than 65.59% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Japan Post Insurance Co's Debt-to-Equity or its related term are showing as below:
JPPIF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.12 Max: 0.15
Current: 0.11
During the past 12 years, the highest Debt-to-Equity Ratio of Japan Post Insurance Co was 0.15. The lowest was 0.05. And the median was 0.12.
JPPIF's Debt-to-Equity is ranked better than 65.59% of 404
companies
in the Insurance industry
Industry Median: 0.21
vs JPPIF: 0.11
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Japan Post Insurance Co Debt-to-Equity Related Terms
Japan Post Insurance Co Debt-to-Equity Historical Data
* 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.
For the Insurance - Life subindustry, Japan Post Insurance Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Japan Post Insurance Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Japan Post Insurance Co's Debt-to-Equity falls into.
* 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 (JPPIF) has a Debt-to-Equity of 0.12 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Japan Post Insurance Co and its competitors. This is near median its historical median of 0.12. Over the past decade, Japan Post Insurance Co's Debt-to-Equity has ranged from 0.05 to 0.15. According to the industry distribution chart, Japan Post Insurance Co ranks #139 out of 404 companies in the Insurance industry, placing it in the top 34.4%.
Is Japan Post Insurance Co's Debt-to-Equity too high?
Japan Post Insurance Co's current Debt-to-Equity of 0.12 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.15. The Insurance industry median Debt-to-Equity is 0.21. Japan Post Insurance Co's value of 0.12 is 42.9% below this industry median. Based on the distribution chart, Japan Post Insurance Co ranks #139 out of 404 companies in the Insurance industry, which is above the industry midpoint. Overall, Japan Post Insurance Co has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Japan Post Insurance Co's Debt-to-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, Japan Post Insurance Co ranks #139 out of 404 companies for Debt-to-Equity. This puts Japan Post Insurance Co in the upper half of its industry. The industry median Debt-to-Equity is 0.21. Japan Post Insurance Co's value of 0.12 is 42.9% below this benchmark. Historically, Japan Post Insurance Co's own Debt-to-Equity has ranged from 0.05 to 0.15 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.21, Japan Post Insurance 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 Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 404 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Post Insurance Co's current Debt-to-Equity of 0.12 is 42.9% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Japan Post Insurance Co and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Insurance Co's current Debt-to-Equity is 0.12, which is near median its own 10-year median of 0.12. 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 (JPPIF) is currently considered Fairly Valued. The stock's GF Value™ is $6.27, compared to a current price of $10.15 — trading 61.9% above its estimated fair value. The current Debt-to-Equity is 0.12, which is near median its 10-year median of 0.12 and 42.9% below the Insurance industry median of 0.21. Japan Post Insurance Co's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Japan Post Insurance Co (JPPIF), the current Debt-to-Equity is 0.12 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 (JPPIF) Overvalued in 2026?
Based on GuruFocus' analysis, Japan Post Insurance Co stock appears to be overvalued.
The current stock price of $10.15 is trading 61.9% above its estimated GF Value™ of $6.27.
GuruFocus considers Japan Post Insurance Co to be Fairly Valued.
Key valuation signals for JPPIF:
Debt-to-Equity: 0.12 (near median its 10-year median of 0.12)
GF Value™: $6.27 vs. price of $10.15 (61.9% above fair value)
Industry Position: 42.9% below the Insurance median (#139 of 404)
No single metric tells the full story. See the JPPIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
65GF Score
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