Japan Post Bank CoJPPTY -2.55%50 ROA % 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 $10.28 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, Japan Post Bank Co ranks worse than 89.27% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. 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 Assets over the quarter that ended in Dec. 2025 was $1,517,401 Mil. Therefore, Japan Post Bank Co's annualized ROA % for the quarter that ended in Dec. 2025 was 0.23%.
The historical rank and industry rank for Japan Post Bank Co's ROA % or its related term are showing as below:
JPPTY'
s ROA % 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 ROA % was 0.23%. The lowest was 0.13%. And the median was 0.15%.
JPPTY's ROA % is ranked worse than 89.27% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs JPPTY: 0.23
Japan Post Bank Co (OTCPK:JPPTY) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Japan Post Bank Co ROA % Related Terms
Japan Post Bank Co ROA % Historical Data
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The historical data trend for Japan Post Bank Co's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Japan Post Bank Co's ROA % distribution charts can be found below:
* The bar in red indicates where Japan Post Bank Co's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Japan Post Bank Co (JPPTY) has a ROA % of 0.23% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total 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 ROA % has ranged from 0.13 to 0.23. According to the industry distribution chart, Japan Post Bank Co ranks #1364 out of 1528 companies in the Banks industry, placing it in the top 89.3%.
Is Japan Post Bank Co's ROA % too high?
Japan Post Bank Co's current ROA % 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 ROA % is 0.98. Japan Post Bank Co's value of 0.23% is 76.5% below this industry median. Based on the distribution chart, Japan Post Bank Co ranks #1364 out of 1528 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 ROA % compare to competitors?
According to the Banks industry distribution chart, Japan Post Bank Co ranks #1364 out of 1528 companies for ROA %. This places Japan Post Bank Co in the lower half of its industry. The industry median ROA % is 0.98. Japan Post Bank Co's value of 0.23% is 76.5% below this benchmark. Historically, Japan Post Bank Co's own ROA % 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 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Post Bank Co's current ROA % of 0.23% is 76.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Japan Post Bank Co and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Bank Co's current ROA % 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 $10.28, compared to a current price of $18.70 — trading 81.9% above its estimated fair value. The current ROA % is 0.23%, which is 53% above median its 10-year median of 0.15 and 76.5% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Japan Post Bank Co (JPPTY), the current ROA % 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 $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:
ROA %: 0.23% (53% above median its 10-year median of 0.15)
GF Value™: $10.28 vs. price of $18.70 (81.9% above fair value)
Industry Position: 76.5% below the Banks median (#1364 of 1528)
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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