JPPTY (Japan Post Bank Co) Retained Earnings: $18,685 Mil (As of Dec. 2025)


JPPTY Japan Post Bank Co Ltd JPPTY
50 GF Score
Price $20.46
GF Value $10.22
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Japan Post Bank Co Retained Earnings?

Japan Post Bank Co JPPTY +0.69% 50 Retained Earnings is $18,685 Mil as of Dec. 2025. GuruFocus rates JPPTY with a GF Score™ of 50/100 and a GF Value™ of $10.22 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Japan Post Bank Co's retained earnings for the quarter that ended in Dec. 2025 was $18,685 Mil.

Japan Post Bank Co's quarterly retained earnings increased from Jun. 2025 ($18,275 Mil) to Sep. 2025 ($18,774 Mil) but then declined from Sep. 2025 ($18,774 Mil) to Dec. 2025 ($18,685 Mil).

Japan Post Bank Co's annual retained earnings increased from Mar. 2024 ($17,185 Mil) to Mar. 2025 ($18,681 Mil) and increased from Mar. 2025 ($18,681 Mil) to Mar. 2026 ($19,291 Mil).


Japan Post Bank Co  (OTCPK:JPPTY) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Japan Post Bank Co Retained Earnings Historical Data

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The historical data trend for Japan Post Bank Co's Retained Earnings 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.

Japan Post Bank Co Retained Earnings Chart

Japan Post Bank Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20,360.95 18,568.22 17,184.56 18,680.52 19,291.27

Japan Post Bank Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 18,680.52 18,275.24 18,774.18 18,685.05 19,291.27
JPPTY
50GF Score
Japan Post Bank Co Ltd JPPTY
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Japan Post Bank Co Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $18,685 Mil mean?
Japan Post Bank Co (JPPTY) has a Retained Earnings of $18,685 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Japan Post Bank Co and its competitors.
Is Japan Post Bank Co's Retained Earnings too high?
Japan Post Bank Co's current Retained Earnings is $18,685 Mil. 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 Retained Earnings compare to competitors?
Japan Post Bank Co's Retained Earnings of $18,685 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Japan Post Bank Co and its competitors. Japan Post Bank Co's current Retained Earnings is $18,685 Mil. 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 $10.22, compared to a current price of $20.46 — trading 100.2% above its estimated fair value. The current Retained Earnings is $18,685 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Japan Post Bank Co (JPPTY), the current Retained Earnings is $18,685 Mil as of Dec. 2025. 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 $20.46 is trading 100.2% above its estimated GF Value™ of $10.22. GuruFocus considers Japan Post Bank Co to be Significantly Overvalued.

Key valuation signals for JPPTY:

  • Retained Earnings: $18,685 Mil
  • GF Value™: $10.22 vs. price of $20.46 (100.2% 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).
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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.46
Price
$10.22
GF Value