Japan Post Holdings CoJPHLF 66 Net Margin % is 4.03% as of Mar. 2026, which is 13% above its 10-year median of 3.57. GuruFocus rates JPHLF with a GF Score™ of 66/100 and a GF Value™ of $8.42. The stock has 7 warning signs investors should review. Among 1,527 Banks companies, Japan Post Holdings Co ranks worse than 93.32% on this metric.
The historical rank and industry rank for Japan Post Holdings Co's Net Margin % or its related term are showing as below:
JPHLF'
s Net Margin % Range Over the Past 10 Years
Min: -0.22 Med: 3.57 Max: 4.45
Current: 3.27
JPHLF's Net Margin % is ranked worse than 93.32% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs JPHLF: 3.27
Japan Post Holdings Co (OTCPK:JPHLF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Japan Post Holdings Co Net Margin % Related Terms
Japan Post Holdings Co Net Margin % Historical Data
* 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 Holdings Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Japan Post Holdings Co's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Japan Post Holdings Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Japan Post Holdings Co's Net Margin % falls into.
* 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 Holdings Co (JPHLF) has a Net Margin % of 4.03% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Japan Post Holdings Co and its competitors. This is 13% above median its historical median of 3.57. According to the industry distribution chart, Japan Post Holdings Co ranks #1425 out of 1527 companies in the Banks industry, placing it in the top 93.3%.
Is Japan Post Holdings Co's Net Margin % too high?
Japan Post Holdings Co's current Net Margin % of 4.03% is 13% above median its 10-year median of 3.57. The Banks industry median Net Margin % is 26.95. Japan Post Holdings Co's value of 4.03% is 85% below this industry median. Based on the distribution chart, Japan Post Holdings Co ranks #1425 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Japan Post Holdings Co has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Japan Post Holdings Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Japan Post Holdings Co ranks #1425 out of 1527 companies for Net Margin %. This places Japan Post Holdings Co in the lower half of its industry. The industry median Net Margin % is 26.95. Japan Post Holdings Co's value of 4.03% is 85% below this benchmark. While the company's 10-year median is 3.57 vs. the industry median of 26.95, Japan Post Holdings 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Post Holdings Co's current Net Margin % of 4.03% is 85% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Japan Post Holdings Co and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Holdings Co's current Net Margin % is 4.03%, which is 13% above median its own 10-year median of 3.57. 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 Net Margin % of 4.03%. The stock's GF Value™ is $8.42, compared to a current price of $11.50 — trading 36.6% above its estimated fair value. The current Net Margin % is 4.03%, which is 13% above median its 10-year median of 3.57 and 85% below the Banks industry median of 26.95. Japan Post Holdings Co's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Japan Post Holdings Co (JPHLF), the current Net Margin % is 4.03% 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 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 36.6% above its estimated GF Value™ of $8.42.
Key valuation signals for JPHLF:
Net Margin %: 4.03% (13% above median its 10-year median of 3.57)
GF Value™: $8.42 vs. price of $11.50 (36.6% above fair value)
Industry Position: 85% below the Banks median (#1425 of 1527)
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 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.
66GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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