Japan Post Bank Co (FRA:5JP) E10: €0.53 (As of Dec. 2025)


FRA:5JP Japan Post Bank Co Ltd FRA:5JP
59 GF Score
Price €16.50
GF Value €8.32
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Japan Post Bank Co E10?

Japan Post Bank Co FRA:5JP +0.61% 59 E10 is €0.53 as of Dec. 2025. GuruFocus rates FRA:5JP with a GF Score™ of 59/100 and a GF Value™ of €8.32 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Japan Post Bank Co's adjusted earnings per share data for the three months ended in Dec. 2025 was €0.210. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.53 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Japan Post Bank Co's average E10 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 E10 growth rate using E10 data.

As of today (2026-06-29), Japan Post Bank Co's current stock price is €16.50. Japan Post Bank Co's E10 for the quarter that ended in Dec. 2025 was €0.53. Japan Post Bank Co's Shiller PE Ratio of today is 31.13.

During the past 12 years, the highest Shiller PE Ratio of Japan Post Bank Co was 32.12. The lowest was 14.11. And the median was 18.01.


Japan Post Bank Co  (FRA:5JP) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Japan Post Bank Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=16.50/0.53
=31.13

* 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 Shiller P/E Ratio of Japan Post Bank Co was 32.12. The lowest was 14.11. And the median was 18.01.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Japan Post Bank Co E10 Related Terms


Japan Post Bank Co E10 Historical Data

* Premium members only.

The historical data trend for Japan Post Bank Co's E10 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 E10 Chart

Japan Post Bank Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.58 0.00

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
E10 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 0.58 0.56 0.55 0.53 0.00

Japan Post Bank Co E10 Competitor Comparison

For the Banks - Regional subindustry, Japan Post Bank Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Japan Post Bank Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Japan Post Bank Co's Shiller PE Ratio falls into.


FRA:5JP
59GF Score
Japan Post Bank Co Ltd FRA:5JP
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Japan Post Bank Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Dec. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.21/113.0000*113.0000
=0.210

Current CPI (Dec. 2025) = 113.0000.

Japan Post Bank Co Quarterly Data

per share eps CPI Adj_EPS
201603 0.125 97.900 0.144
201606 0.153 98.100 0.176
201609 0.194 98.000 0.224
201612 0.157 98.400 0.180
201703 0.197 98.100 0.227
201706 0.191 98.500 0.219
201709 0.186 98.800 0.213
201712 0.201 99.400 0.229
201803 0.144 99.200 0.164
201806 0.162 99.200 0.185
201809 0.165 99.900 0.187
201812 0.092 99.700 0.104
201903 0.134 99.700 0.152
201906 0.170 99.800 0.192
201909 0.151 100.100 0.170
201912 0.143 100.500 0.161
202003 0.142 100.300 0.160
202006 0.073 99.900 0.083
202009 0.195 99.900 0.221
202012 0.216 99.300 0.246
202103 0.111 99.900 0.126
202106 0.243 99.500 0.276
202109 0.236 100.100 0.266
202112 0.108 100.100 0.122
202203 0.138 101.100 0.154
202206 0.167 101.800 0.185
202209 0.131 103.100 0.144
202212 0.166 104.100 0.180
202303 0.145 104.400 0.157
202306 0.156 105.200 0.168
202309 0.167 106.200 0.178
202312 0.143 106.800 0.151
202403 0.158 107.200 0.167
202406 0.157 108.200 0.164
202409 0.221 108.900 0.229
202412 0.147 110.700 0.150
202503 0.182 111.100 0.185
202506 0.176 111.700 0.178
202509 0.218 112.000 0.220
202512 0.210 113.000 0.210

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.53 mean?
Japan Post Bank Co (FRA:5JP) has a E10 of €0.53 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Japan Post Bank Co and its competitors.
Is Japan Post Bank Co's E10 too high?
Japan Post Bank Co's current E10 is €0.53. Overall, Japan Post Bank Co has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Japan Post Bank Co's E10 compare to competitors?
Japan Post Bank Co's E10 of €0.53 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Japan Post Bank Co and its competitors. Japan Post Bank Co's current E10 is €0.53. 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 (FRA:5JP) is currently considered Significantly Overvalued. The stock's GF Value™ is €8.32, compared to a current price of €16.50 — trading 98.3% above its estimated fair value. The current E10 is €0.53. Japan Post Bank Co's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Japan Post Bank Co (FRA:5JP), the current E10 is €0.53 as of Dec. 2025. 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 (FRA:5JP) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Bank Co stock appears to be overvalued. The current stock price of €16.50 is trading 98.3% above its estimated GF Value™ of €8.32. GuruFocus considers Japan Post Bank Co to be Significantly Overvalued.

Key valuation signals for FRA:5JP:

  • E10: €0.53
  • GF Value™: €8.32 vs. price of €16.50 (98.3% above fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the FRA: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).
59GF Score

Get the complete analysis for FRA:5JP

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€16.50
Price
€8.32
GF Value