Japan Post Bank Co (TSE:7182) E10: 円99.98 (As of Dec. 2025)


TSE:7182 Japan Post Bank Co Ltd TSE:7182
59 GF Score
Price 円3,078.00
GF Value 円1,548.17
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Japan Post Bank Co E10?

Japan Post Bank Co TSE:7182 +0.29% 59 E10 is 円99.98 as of Dec. 2025. GuruFocus rates TSE:7182 with a GF Score™ of 59/100 and a GF Value™ of 円1,548.17 (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 円38.400. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is 円99.98 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 (2026-06-30), Japan Post Bank Co's current stock price is 円3078.00. Japan Post Bank Co's E10 for the quarter that ended in Dec. 2025 was 円99.98. Japan Post Bank Co's Shiller PE Ratio of today is 30.79.

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  (TSE:7182) 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
=3078.00/99.98
=30.79

* 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 95.87 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 95.87 96.92 98.17 99.98 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.


TSE:7182
59GF Score
Japan Post Bank Co Ltd TSE:7182
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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)
=38.4/113.0000*113.0000
=38.400

Current CPI (Dec. 2025) = 113.0000.

Japan Post Bank Co Quarterly Data

per share eps CPI Adj_EPS
201603 15.740 97.900 18.168
201606 18.100 98.100 20.849
201609 22.160 98.000 25.552
201612 19.186 98.400 22.033
201703 23.830 98.100 27.449
201706 23.830 98.500 27.338
201709 24.588 98.800 28.122
201712 26.817 99.400 30.486
201803 18.850 99.200 21.472
201806 20.890 99.200 23.796
201809 21.592 99.900 24.423
201812 11.740 99.700 13.306
201903 16.770 99.700 19.007
201906 20.760 99.800 23.506
201909 17.880 100.100 20.184
201912 17.387 100.500 19.550
202003 16.905 100.300 19.046
202006 8.860 99.900 10.022
202009 24.270 99.900 27.453
202012 27.240 99.300 30.998
202103 14.348 99.900 16.229
202106 32.220 99.500 36.592
202109 30.544 100.100 34.480
202112 13.950 100.100 15.748
202203 17.989 101.100 20.106
202206 23.690 101.800 26.296
202209 18.630 103.100 20.419
202212 23.700 104.100 25.726
202303 20.820 104.400 22.535
202306 23.950 105.200 25.726
202309 26.363 106.200 28.051
202312 22.439 106.800 23.742
202403 25.663 107.200 27.051
202406 26.610 108.200 27.790
202409 35.000 108.900 36.318
202412 23.650 110.700 24.141
202503 29.340 111.100 29.842
202506 29.290 111.700 29.631
202509 37.920 112.000 38.259
202512 38.400 113.000 38.400

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99.98 mean?
Japan Post Bank Co (TSE:7182) has a E10 of 円99.98 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 円99.98. 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 円99.98 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 円99.98. 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1,548.17, compared to a current price of 円3,078.00 — trading 98.8% above its estimated fair value. The current E10 is 円99.98. 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 (TSE:7182), the current E10 is 円99.98 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 (TSE:7182) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Bank Co stock appears to be overvalued. The current stock price of 円3,078.00 is trading 98.8% above its estimated GF Value™ of 円1,548.17. GuruFocus considers Japan Post Bank Co to be Significantly Overvalued.

Key valuation signals for TSE:7182:

  • E10: 円99.98
  • GF Value™: 円1,548.17 vs. price of 円3,078.00 (98.8% above fair value)
  • GF Score™: 59/100 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).
59GF Score

Get the complete analysis for TSE:7182

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

円3,078.00
Price
円1,548.17
GF Value