Japan Post Insurance CoJPNPY +4.32%48 ROE % is 4.83% as of Mar. 2026, which is 5% below its 10-year median of 5.08. 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 504 Insurance companies, Japan Post Insurance Co ranks worse than 81.15% on this metric.
The historical rank and industry rank for Japan Post Insurance Co's ROE % or its related term are showing as below:
JPNPY'
s ROE % Range Over the Past 10 Years
Min: 3.02 Med: 5.08 Max: 7.42
Current: 4.51
During the past 12 years, Japan Post Insurance Co's highest ROE % was 7.42%. The lowest was 3.02%. And the median was 5.08%.
JPNPY's ROE % is ranked worse than 81.15% of 504
companies
in the Insurance industry
Industry Median: 11.675
vs JPNPY: 4.51
Japan Post Insurance Co (OTCPK:JPNPY) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Japan Post Insurance Co's ROE % distribution charts can be found below:
* The bar in red indicates where Japan Post Insurance Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Japan Post Insurance Co (JPNPY) has a ROE % of 4.83% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Japan Post Insurance Co and its competitors. This is near median its historical median of 5.08. Over the past decade, Japan Post Insurance Co's ROE % has ranged from 3.02 to 7.42. According to the industry distribution chart, Japan Post Insurance Co ranks #409 out of 504 companies in the Insurance industry, placing it in the top 81.2%.
Is Japan Post Insurance Co's ROE % too high?
Japan Post Insurance Co's current ROE % of 4.83% is near median its 10-year median of 5.08. Over the past 10 years, this metric has ranged from a low of 3.02 to a high of 7.42. The Insurance industry median ROE % is 11.68. Japan Post Insurance Co's value of 4.83% is 58.6% below this industry median. Based on the distribution chart, Japan Post Insurance Co ranks #409 out of 504 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, Japan Post Insurance Co ranks #409 out of 504 companies for ROE %. This places Japan Post Insurance Co in the lower half of its industry. The industry median ROE % is 11.68. Japan Post Insurance Co's value of 4.83% is 58.6% below this benchmark. Historically, Japan Post Insurance Co's own ROE % has ranged from 3.02 to 7.42 over the past decade. While the company's 10-year median is 5.08 vs. the industry median of 11.68, Japan Post Insurance 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Post Insurance Co's current ROE % of 4.83% is 58.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Japan Post Insurance Co and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Insurance Co's current ROE % is 4.83%, which is near median its own 10-year median of 5.08. 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 ROE % is 4.83%, which is near median its 10-year median of 5.08 and 58.6% below the Insurance industry median of 11.68. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Japan Post Insurance Co (JPNPY), the current ROE % is 4.83% 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:
ROE %: 4.83% (near median its 10-year median of 5.08)
GF Value™: $9.12 vs. price of $9.65 (5.8% above fair value)
Industry Position: 58.6% below the Insurance median (#409 of 504)
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
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