JPPIF (Japan Post Insurance Co) Moat Score: 4/10 (As of Jul. 02, 2026)


JPPIF Japan Post Insurance Co Ltd JPPIF
54 GF Score
Price $6.36
GF Value $6.09
! 2 Warning Signs
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What is Japan Post Insurance Co Moat Score?

Japan Post Insurance Co JPPIF 54 Moat Score is 4 as of Jul. 02, 2026. GuruFocus rates JPPIF with a GF Score™ of 54/100 and a GF Value™ of $6.09. The stock has 2 warning signs investors should review. Among 600 Insurance companies, Japan Post Insurance Co ranks better than 79.67% on this metric.

Japan Post Insurance Co has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Japan Post Insurance Co has Narrow Moat: Japan Post Insurance has a discernible but modest moat due to its established market presence and brand recognition in Japan. However, it faces intense competition and lacks significant customer switching costs or proprietary technology to ensure a stronger 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 Insurance Co might have Narrow Moat - Discernible but modest moat.

Japan Post Insurance Co  (OTCPK:JPPIF) 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 Insurance Co Moat Score Related Terms

JPPIF vs AFL, MET, PRU: Moat Score Comparison

For the Insurance - Life subindustry, Japan Post Insurance 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 Insurance Co Moat Score vs Insurance Industry

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

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


JPPIF
54GF Score
Japan Post Insurance Co Ltd JPPIF
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 4 mean?
Japan Post Insurance Co (JPPIF) has a Moat Score of 4 as of Jul. 02, 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 Insurance Co ranks #122 out of 600 companies in the Insurance industry, placing it in the top 20.3%.
Is Japan Post Insurance Co's Moat Score too high?
Japan Post Insurance Co's current Moat Score is 4. Based on the distribution chart, Japan Post Insurance Co ranks #122 out of 600 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Japan Post Insurance Co has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Japan Post Insurance Co's Moat Score compare to AFL and MET?
According to the Insurance industry distribution chart, Japan Post Insurance Co ranks #122 out of 600 companies for Moat Score. This places Japan Post Insurance Co in the top 20% 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 an Insurance company?
A good Moat Score depends on the Insurance 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 Insurance Co's current Moat Score is 4. 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?
Japan Post Insurance Co (JPPIF) has a current Moat Score of 4. The stock's GF Value™ is $6.09, compared to a current price of $6.36 — trading 4.5% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Japan Post Insurance Co (JPPIF), the current Moat Score is 4 as of Jul. 02, 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 (JPPIF) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Insurance Co stock appears to be overvalued. The current stock price of $6.36 is trading 4.5% above its estimated GF Value™ of $6.09.

Key valuation signals for JPPIF:

  • Moat Score: 4
  • GF Value™: $6.09 vs. price of $6.36 (4.5% above fair value)
  • GF Score™: 54/100 with 2 warning signs

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

Japan Post Insurance Co Business Description

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

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

$6.36
Price
$6.09
GF Value