Japan Post Insurance CoJPNPY +4.32%48 Net Margin % is 10.30% as of Mar. 2026, which is 207% above its 10-year median of 3.35. 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 503 Insurance companies, Japan Post Insurance Co ranks worse than 65.21% on this metric.
The historical rank and industry rank for Japan Post Insurance Co's Net Margin % or its related term are showing as below:
JPNPY'
s Net Margin % Range Over the Past 10 Years
Min: 1.42 Med: 3.35 Max: 5.85
Current: 5.85
JPNPY's Net Margin % is ranked worse than 65.21% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs JPNPY: 5.85
Japan Post Insurance Co (OTCPK:JPNPY) 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 Insurance Co Net Margin % Related Terms
Japan Post Insurance 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.
For the Insurance - Life subindustry, Japan Post Insurance 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 Insurance Co Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Japan Post Insurance Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Japan Post Insurance 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 Insurance Co (JPNPY) has a Net Margin % of 10.30% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Japan Post Insurance Co and its competitors. This is 207% above median its historical median of 3.35. Over the past decade, Japan Post Insurance Co's Net Margin % has ranged from 1.42 to 5.85. According to the industry distribution chart, Japan Post Insurance Co ranks #328 out of 503 companies in the Insurance industry, placing it in the top 65.2%.
Is Japan Post Insurance Co's Net Margin % too high?
Japan Post Insurance Co's current Net Margin % of 10.30% is 207% above median its 10-year median of 3.35. Over the past 10 years, this metric has ranged from a low of 1.42 to a high of 5.85. The Insurance industry median Net Margin % is 9.29. Japan Post Insurance Co's value of 10.30% is 10.9% above this industry median. Based on the distribution chart, Japan Post Insurance Co ranks #328 out of 503 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 Net Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Japan Post Insurance Co ranks #328 out of 503 companies for Net Margin %. This places Japan Post Insurance Co in the lower half of its industry. The industry median Net Margin % is 9.29. Japan Post Insurance Co's value of 10.30% is 10.9% above this benchmark. Historically, Japan Post Insurance Co's own Net Margin % has ranged from 1.42 to 5.85 over the past decade. While the company's 10-year median is 3.35 vs. the industry median of 9.29, Japan Post Insurance Co has consistently been above 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 an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 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 Insurance Co's current Net Margin % of 10.30% is 10.9% above 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 Insurance Co and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Insurance Co's current Net Margin % is 10.30%, which is 207% above median its own 10-year median of 3.35. 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 Net Margin % is 10.30%, which is 207% above median its 10-year median of 3.35 and 10.9% above the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Japan Post Insurance Co (JPNPY), the current Net Margin % is 10.30% 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:
Net Margin %: 10.30% (207% above median its 10-year median of 3.35)
GF Value™: $9.12 vs. price of $9.65 (5.8% above fair value)
Industry Position: 10.9% above the Insurance median (#328 of 503)
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
Get the complete analysis for JPNPY
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JPNPY has been successfully added to your 
