Japan Post Bank CoJPPTY +0.69%50 Return-on-Tangible-Asset is 0.23% as of Dec. 2025, which is 53% above its 10-year median of 0.15. 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. Among 1,527 Banks companies, Japan Post Bank Co ranks worse than 89.52% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Japan Post Bank Co's annualizedNet Income for the quarter that ended in Dec. 2025 was $3,522 Mil. Japan Post Bank Co's average total tangible assets for the quarter that ended in Dec. 2025 was $1,516,737 Mil. Therefore, Japan Post Bank Co's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.23%.
The historical rank and industry rank for Japan Post Bank Co's Return-on-Tangible-Asset or its related term are showing as below:
JPPTY'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.13 Med: 0.15 Max: 0.23
Current: 0.23
During the past 12 years, Japan Post Bank Co's highest Return-on-Tangible-Asset was 0.23%. The lowest was 0.13%. And the median was 0.15%.
JPPTY's Return-on-Tangible-Asset is ranked worse than 89.52% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs JPPTY: 0.23
Japan Post Bank Co (OTCPK:JPPTY) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Japan Post Bank Co Return-on-Tangible-Asset Related Terms
Japan Post Bank Co Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Japan Post Bank Co's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Japan Post Bank Co's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Japan Post Bank Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Japan Post Bank Co's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.23% mean?
Japan Post Bank Co (JPPTY) has a Return-on-Tangible-Asset of 0.23% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Japan Post Bank Co and its competitors. This is 53% above median its historical median of 0.15. Over the past decade, Japan Post Bank Co's Return-on-Tangible-Asset has ranged from 0.13 to 0.23. According to the industry distribution chart, Japan Post Bank Co ranks #1367 out of 1527 companies in the Banks industry, placing it in the top 89.5%.
Is Japan Post Bank Co's Return-on-Tangible-Asset too high?
Japan Post Bank Co's current Return-on-Tangible-Asset of 0.23% is 53% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.23. The Banks industry median Return-on-Tangible-Asset is 0.99. Japan Post Bank Co's value of 0.23% is 76.8% below this industry median. Based on the distribution chart, Japan Post Bank Co ranks #1367 out of 1527 companies in the Banks industry, which is in the bottom quartile 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 Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Japan Post Bank Co ranks #1367 out of 1527 companies for Return-on-Tangible-Asset. This places Japan Post Bank Co in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Japan Post Bank Co's value of 0.23% is 76.8% below this benchmark. Historically, Japan Post Bank Co's own Return-on-Tangible-Asset has ranged from 0.13 to 0.23 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.99, Japan Post Bank 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Post Bank Co's current Return-on-Tangible-Asset of 0.23% is 76.8% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Japan Post Bank Co and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Bank Co's current Return-on-Tangible-Asset is 0.23%, which is 53% above median its own 10-year median of 0.15. 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 Return-on-Tangible-Asset is 0.23%, which is 53% above median its 10-year median of 0.15 and 76.8% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Japan Post Bank Co (JPPTY), the current Return-on-Tangible-Asset is 0.23% 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:
Return-on-Tangible-Asset: 0.23% (53% above median its 10-year median of 0.15)
GF Value™: $10.22 vs. price of $20.46 (100.2% above fair value)
Industry Position: 76.8% below the Banks median (#1367 of 1527)
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).
50GF Score
Get the complete analysis for JPPTY
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JPPTY has been successfully added to your 
