Japan Post Insurance Co (TSE:7181) E10: 円98.48 (As of Mar. 2026)


TSE:7181 Japan Post Insurance Co Ltd TSE:7181
54 GF Score
Price 円1,491.50
GF Value 円1,435.68
Valuation Fairly Valued
! 2 Warning Signs
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What is Japan Post Insurance Co E10?

Japan Post Insurance Co TSE:7181 +1.22% 54 E10 is 円98.48 as of Mar. 2026. GuruFocus rates TSE:7181 with a GF Score™ of 54/100 and a GF Value™ of 円1,435.68 (Fairly Valued). The stock has 2 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 Insurance Co's adjusted earnings per share data for the three months ended in Mar. 2026 was 円44.188. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is 円98.48 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Japan Post Insurance Co's average E10 Growth Rate was 12.80% 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 Insurance Co's current stock price is 円1491.50. Japan Post Insurance Co's E10 for the quarter that ended in Mar. 2026 was 円98.48. Japan Post Insurance Co's Shiller PE Ratio of today is 15.15.

During the past 12 years, the highest Shiller PE Ratio of Japan Post Insurance Co was 18.17. The lowest was 9.96. And the median was 14.79.


Japan Post Insurance Co  (TSE:7181) 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 Insurance Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1491.50/98.48
=15.15

* 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 Insurance Co was 18.17. The lowest was 9.96. And the median was 14.79.


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 Insurance Co E10 Related Terms


Japan Post Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for Japan Post Insurance 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 Insurance Co E10 Chart

Japan Post Insurance 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 87.33 98.48

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
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 87.33 89.46 93.39 95.09 98.48

TSE:7181 vs AFL, MET, PRU: E10 Comparison

For the Insurance - Life subindustry, Japan Post Insurance 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 Insurance Co Shiller PE Ratio vs Insurance Industry

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

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


TSE:7181
54GF Score
Japan Post Insurance Co Ltd TSE:7181
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Japan Post Insurance 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 Insurance Co's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=44.188/112.7000*112.7000
=44.188

Current CPI (Mar. 2026) = 112.7000.

Japan Post Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201606 10.803 98.100 12.411
201609 12.830 98.000 14.755
201612 14.173 98.400 16.233
201703 11.429 98.100 13.130
201706 13.427 98.500 15.363
201709 15.067 98.800 17.187
201712 13.190 99.400 14.955
201803 16.382 99.200 18.611
201806 18.943 99.200 21.521
201809 19.256 99.900 21.723
201812 15.527 99.700 17.552
201903 13.227 99.700 14.952
201906 19.863 99.800 22.430
201909 25.187 100.100 28.357
201912 22.933 100.500 25.717
202003 21.146 100.300 23.760
202006 27.697 99.900 31.246
202009 27.820 99.900 31.385
202012 20.946 99.300 23.773
202103 21.980 99.900 24.796
202106 28.250 99.500 31.998
202109 32.363 100.100 36.437
202112 32.377 100.100 36.452
202203 32.057 101.100 35.735
202206 9.707 101.800 10.746
202209 30.837 103.100 33.708
202212 23.950 104.100 25.929
202303 18.650 104.400 20.133
202306 18.323 105.200 19.629
202309 25.603 106.200 27.170
202312 12.816 106.800 13.524
202403 19.073 107.200 20.052
202406 18.243 108.200 19.002
202409 36.523 108.900 37.797
202412 18.757 110.700 19.096
202503 33.999 111.100 34.489
202506 31.060 111.700 31.338
202509 53.127 112.000 53.459
202512 24.176 113.000 24.112
202603 44.188 112.700 44.188

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 円98.48 mean?
Japan Post Insurance Co (TSE:7181) has a E10 of 円98.48 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Japan Post Insurance Co and its competitors.
Is Japan Post Insurance Co's E10 too high?
Japan Post Insurance Co's current E10 is 円98.48. Overall, Japan Post Insurance Co has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Japan Post Insurance Co's E10 compare to AFL and MET?
Japan Post Insurance Co's E10 of 円98.48 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 E10 for an Insurance company?
A good E10 depends on the Insurance 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 Insurance Co and its competitors. Japan Post Insurance Co's current E10 is 円98.48. 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 Fairly Valued. The stock's GF Value™ is 円1,435.68, compared to a current price of 円1,491.50 — trading 3.9% above its estimated fair value. The current E10 is 円98.48. Japan Post Insurance Co's overall GF Score™ is 54/100 with 2 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 Insurance Co (TSE:7181), the current E10 is 円98.48 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1,491.50 is trading 3.9% above its estimated GF Value™ of 円1,435.68. GuruFocus considers Japan Post Insurance Co to be Fairly Valued.

Key valuation signals for TSE:7181:

  • E10: 円98.48
  • GF Value™: 円1,435.68 vs. price of 円1,491.50 (3.9% above fair value)
  • GF Score™: 54/100 with 2 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.
54GF Score

Get the complete analysis for TSE:7181

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

円1,491.50
Price
円1,435.68
GF Value