JPPTY (Japan Post Bank Co) Moat Score: 5/10 (As of Jun. 28, 2026)


JPPTY Japan Post Bank Co Ltd JPPTY
50 GF Score
Price $19.16
GF Value $9.67
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Japan Post Bank Co Moat Score?

Japan Post Bank Co JPPTY +2.46% 50 Moat Score is 5 as of Jun. 28, 2026. GuruFocus rates JPPTY with a GF Score™ of 50/100 and a GF Value™ of $9.67 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,614 Banks companies, Japan Post Bank Co ranks better than 94.05% on this metric.

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

Japan Post Bank Co has Narrow Moat: Japan Post Bank has a solid narrow moat due to its large customer base and brand recognition in Japan. It benefits from regulatory barriers and a strong distribution network, but faces challenges from low interest rates and digital banking competition.

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 Bank Co might have Narrow Moat - Solid narrow moat.

Japan Post Bank Co  (OTCPK:JPPTY) 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 Bank Co Moat Score Related Terms

Japan Post Bank Co Moat Score Competitor Comparison

For the Banks - Regional subindustry, Japan Post Bank 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 Bank Co Moat Score vs Banks Industry

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

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


JPPTY
50GF Score
Japan Post Bank Co Ltd JPPTY
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 Bank Co (JPPTY) has a Moat Score of 5 as of Jun. 28, 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 Bank Co ranks #96 out of 1614 companies in the Banks industry, placing it in the top 5.9%.
Is Japan Post Bank Co's Moat Score too high?
Japan Post Bank Co's current Moat Score is 5. Based on the distribution chart, Japan Post Bank Co ranks #96 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Japan Post Bank Co has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Japan Post Bank Co's Moat Score compare to competitors?
According to the Banks industry distribution chart, Japan Post Bank Co ranks #96 out of 1614 companies for Moat Score. This places Japan Post Bank 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 Bank 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 Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Japan Post Bank Co (JPPTY) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.67, compared to a current price of $19.16 — trading 98.1% above its estimated fair value. The current Moat Score is 5. Japan Post Bank Co's overall GF Score™ is 50/100 with 5 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 Bank Co (JPPTY), the current Moat Score is 5 as of Jun. 28, 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 Bank Co (JPPTY) Overvalued in 2026?

Based on GuruFocus' analysis, Japan Post Bank Co stock appears to be overvalued. The current stock price of $19.16 is trading 98.1% above its estimated GF Value™ of $9.67. GuruFocus considers Japan Post Bank Co to be Significantly Overvalued.

Key valuation signals for JPPTY:

  • Moat Score: 5
  • GF Value™: $9.67 vs. price of $19.16 (98.1% above fair value)
  • GF Score™: 50/100 with 5 warning signs

No single metric tells the full story. See the JPPTY 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).
50GF Score

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

$19.16
Price
$9.67
GF Value