JPHLF (Japan Post Holdings Co) Moat Score: 5/10 (As of Jul. 09, 2026)


JPHLF Japan Post Holdings Co Ltd JPHLF
62 GF Score
Price $11.50
GF Value $8.29
! 7 Warning Signs
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What is Japan Post Holdings Co Moat Score?

Japan Post Holdings Co JPHLF 62 Moat Score is 5 as of Jul. 09, 2026. GuruFocus rates JPHLF with a GF Score™ of 62/100 and a GF Value™ of $8.29. The stock has 7 warning signs investors should review. Among 1,609 Banks companies, Japan Post Holdings Co ranks better than 94.03% on this metric.

Japan Post Holdings Co has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Japan Post Holdings Co has Narrow Moat: Japan Post Holdings has a solid narrow moat due to its significant market share in postal and logistics services in Japan. It benefits from a strong brand and customer loyalty, but faces challenges from digital communication alternatives. Regulatory barriers provide some protection, but not enough for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Japan Post Holdings Co might have Narrow Moat - Solid narrow moat.

Japan Post Holdings Co  (OTCPK:JPHLF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Japan Post Holdings Co Moat Score Related Terms

Japan Post Holdings Co Moat Score Competitor Comparison

For the Banks - Regional subindustry, Japan Post Holdings Co's Moat Score, along with its competitors' market caps and Moat Score 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 Holdings Co Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Japan Post Holdings Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Japan Post Holdings Co's Moat Score falls into.


JPHLF
62GF Score
Japan Post Holdings Co Ltd JPHLF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Japan Post Holdings Co (JPHLF) has a Moat Score of 5 as of Jul. 09, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Japan Post Holdings Co ranks #96 out of 1609 companies in the Banks industry, placing it in the top 6%.
Is Japan Post Holdings Co's Moat Score too high?
Japan Post Holdings Co's current Moat Score is 5. Based on the distribution chart, Japan Post Holdings Co ranks #96 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Japan Post Holdings Co has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Japan Post Holdings Co's Moat Score compare to competitors?
According to the Banks industry distribution chart, Japan Post Holdings Co ranks #96 out of 1609 companies for Moat Score. This places Japan Post Holdings Co in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Japan Post Holdings Co's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Post Holdings Co stock overvalued right now?
Japan Post Holdings Co (JPHLF) has a current Moat Score of 5. The stock's GF Value™ is $8.29, compared to a current price of $11.50 — trading 38.7% above its estimated fair value. The current Moat Score is 5. Japan Post Holdings Co's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Japan Post Holdings Co (JPHLF), the current Moat Score is 5 as of Jul. 09, 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 Holdings Co (JPHLF) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Holdings Co stock appears to be overvalued. The current stock price of $11.50 is trading 38.7% above its estimated GF Value™ of $8.29.

Key valuation signals for JPHLF:

  • Moat Score: 5
  • GF Value™: $8.29 vs. price of $11.50 (38.7% above fair value)
  • GF Score™: 62/100 with 7 warning signs

No single metric tells the full story. See the JPHLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Japan Post Holdings Co Business Description

Address 2-3-1 Otemachi, Chiyoda-ku, Tokyo, JPN, 100-8791
Japan Post Holdings Co Ltd operates as a holding company. The firm, through its subsidiaries, provides postal, banking, and insurance services in Japan. The group's reportable segments are the Postal and Logistics Business, Post Office Counter Business, International Logistics Business, Real Estate Business, Banking Business, and Life Insurance Business. The majority of its revenue is derived from the Life Insurance segment.
62GF Score

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

$11.50
Price
$8.29
GF Value