Japan Post Bank CoJPPTY -2.55%50 PB Ratio is 1.15 as of Jun. 26, 2026, which is 167% above its 10-year median of 0.43. GuruFocus rates JPPTY with a GF Score™ of 50/100 and a GF Value™ of $10.28 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,516 Banks companies, Japan Post Bank Co ranks worse than 57.12% on this metric.
Japan Post Bank Co Ltd stock PB Ratio (=1.26) is close to 10-year high of 1.26.
The historical rank and industry rank for Japan Post Bank Co's PB Ratio or its related term are showing as below:
JPPTY'
s PB Ratio Range Over the Past 10 Years
Min: 0.28 Med: 0.43 Max: 1.26
Current: 1.17
During the past 12 years, Japan Post Bank Co's highest PB Ratio was 1.26. The lowest was 0.28. And the median was 0.43.
JPPTY's PB Ratio is ranked worse than 57.12% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs JPPTY: 1.17
During the past 12 months, Japan Post Bank Co's average Book Value Per Share Growth Rate was 3.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -2.10% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Japan Post Bank Co was 3.00% per year. The lowest was -8.60% per year. And the median was -0.40% per year.
Back to Basics: PB Ratio
Japan Post Bank Co (OTCPK:JPPTY) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Japan Post Bank Co PB Ratio Related Terms
Japan Post Bank Co PB Ratio Historical Data
* Premium members only.
The historical data trend for Japan Post Bank Co's PB Ratio can be seen below:
* 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 Banks - Regional subindustry, Japan Post Bank Co's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Japan Post Bank Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Japan Post Bank Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Japan Post Bank Co (JPPTY) has a PB Ratio of 1.15 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Japan Post Bank Co and its competitors. This is 167% above median its historical median of 0.43. Over the past decade, Japan Post Bank Co's PB Ratio has ranged from 0.28 to 1.26. According to the industry distribution chart, Japan Post Bank Co ranks #866 out of 1516 companies in the Banks industry, placing it in the top 57.1%.
Is Japan Post Bank Co's PB Ratio too high?
Japan Post Bank Co's current PB Ratio of 1.15 is 167% above median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 1.26. The Banks industry median PB Ratio is 1.09. Japan Post Bank Co's value of 1.15 is 5.5% above this industry median. Based on the distribution chart, Japan Post Bank Co ranks #866 out of 1516 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to competitors?
According to the Banks industry distribution chart, Japan Post Bank Co ranks #866 out of 1516 companies for PB Ratio. This places Japan Post Bank Co in the lower half of its industry. The industry median PB Ratio is 1.09. Japan Post Bank Co's value of 1.15 is 5.5% above this benchmark. Historically, Japan Post Bank Co's own PB Ratio has ranged from 0.28 to 1.26 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 1.09, Japan Post Bank 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Post Bank Co's current PB Ratio of 1.15 is 5.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Japan Post Bank Co and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Bank Co's current PB Ratio is 1.15, which is 167% above median its own 10-year median of 0.43. 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 $10.28, compared to a current price of $18.70 — trading 81.9% above its estimated fair value. The current PB Ratio is 1.15, which is 167% above median its 10-year median of 0.43 and 5.5% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Japan Post Bank Co (JPPTY), the current PB Ratio is 1.15 as of Jun. 26, 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 $18.70 is trading 81.9% above its estimated GF Value™ of $10.28.
GuruFocus considers Japan Post Bank Co to be Significantly Overvalued.
Key valuation signals for JPPTY:
PB Ratio: 1.15 (167% above median its 10-year median of 0.43)
GF Value™: $10.28 vs. price of $18.70 (81.9% above fair value)
Industry Position: 5.5% above the Banks median (#866 of 1516)
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 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).
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