Japan Post Insurance CoJPNPY +4.32%48 Interest Coverage is 8.38 as of Mar. 2026, which is 89% below its 10-year median of 74.98. GuruFocus rates JPNPY with a GF Score™ of 48/100 and a GF Value™ of $9.12 (Fairly Valued). The stock has 2 warning signs investors should review. Among 353 Insurance companies, Japan Post Insurance Co ranks worse than 65.72% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Japan Post Insurance Co's
EBIT
for the
three
months ended in Mar. 2026 was $510 Mil. Japan Post Insurance Co's Interest Expense for the
three
months ended in Mar. 2026 was $-61 Mil.
Japan Post Insurance Co's interest coverage for the quarter that ended in Mar. 2026 was 8.38.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Japan Post Insurance Co's Interest Coverage or its related term are showing as below:
JPNPY'
s Interest Coverage Range Over the Past 10 Years
Min: 8.59 Med: 74.98 Max: 161.34
Current: 8.59
JPNPY's Interest Coverage is ranked worse than 65.72% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs JPNPY: 8.59
Japan Post Insurance Co (OTCPK:JPNPY) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Japan Post Insurance Co Interest Coverage Related Terms
Japan Post Insurance Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for Japan Post Insurance Co's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
JPNPY vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, Japan Post Insurance Co's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Japan Post Insurance Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Japan Post Insurance Co's Interest Coverage falls into.
Japan Post Insurance Co Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (JPNPY) has a Interest Coverage of 8.38 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Japan Post Insurance Co and its competitors. This is 89% below median its historical median of 74.98. Over the past decade, Japan Post Insurance Co's Interest Coverage has ranged from 8.59 to 161.34. According to the industry distribution chart, Japan Post Insurance Co ranks #232 out of 353 companies in the Insurance industry, placing it in the top 65.7%.
Is Japan Post Insurance Co's Interest Coverage too high?
Japan Post Insurance Co's current Interest Coverage of 8.38 is 89% below median its 10-year median of 74.98. Over the past 10 years, this metric has ranged from a low of 8.59 to a high of 161.34. The Insurance industry median Interest Coverage is 16.26. Japan Post Insurance Co's value of 8.38 is 48.5% below this industry median. Based on the distribution chart, Japan Post Insurance Co ranks #232 out of 353 companies in the Insurance industry, which is below the industry midpoint. Overall, Japan Post Insurance Co has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Japan Post Insurance Co's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Japan Post Insurance Co ranks #232 out of 353 companies for Interest Coverage. This places Japan Post Insurance Co in the lower half of its industry. The industry median Interest Coverage is 16.26. Japan Post Insurance Co's value of 8.38 is 48.5% below this benchmark. Historically, Japan Post Insurance Co's own Interest Coverage has ranged from 8.59 to 161.34 over the past decade. While the company's 10-year median is 74.98 vs. the industry median of 16.26, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.26, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Post Insurance Co's current Interest Coverage of 8.38 is 48.5% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Japan Post Insurance Co and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Insurance Co's current Interest Coverage is 8.38, which is 89% below median its own 10-year median of 74.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Post Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Japan Post Insurance Co (JPNPY) is currently considered Fairly Valued. The stock's GF Value™ is $9.12, compared to a current price of $9.65 — trading 5.8% above its estimated fair value. The current Interest Coverage is 8.38, which is 89% below median its 10-year median of 74.98 and 48.5% below the Insurance industry median of 16.26. Japan Post Insurance Co's overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Japan Post Insurance Co (JPNPY), the current Interest Coverage is 8.38 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 (JPNPY) Overvalued in 2026?
Based on GuruFocus' analysis, Japan Post Insurance Co stock appears to be overvalued.
The current stock price of $9.65 is trading 5.8% above its estimated GF Value™ of $9.12.
GuruFocus considers Japan Post Insurance Co to be Fairly Valued.
Key valuation signals for JPNPY:
Interest Coverage: 8.38 (89% below median its 10-year median of 74.98)
GF Value™: $9.12 vs. price of $9.65 (5.8% above fair value)
Industry Position: 48.5% below the Insurance median (#232 of 353)
No single metric tells the full story. See the JPNPY 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.
48GF Score
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