JPPTY (Japan Post Bank Co) Scaled Net Operating Assets: -0.18 (As of Dec. 2025)


JPPTY Japan Post Bank Co Ltd JPPTY
50 GF Score
Price $19.16
GF Value $10.28
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Japan Post Bank Co Scaled Net Operating Assets?

Japan Post Bank Co JPPTY +2.46% 50 Scaled Net Operating Assets is -0.18 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Japan Post Bank Co's operating assets for the quarter that ended in Dec. 2025 was $1,099,151 Mil. Japan Post Bank Co's operating liabilities for the quarter that ended in Dec. 2025 was $1,381,874 Mil. Japan Post Bank Co's Total Assets for the quarter that ended in Sep. 2025 was $1,575,368 Mil. Therefore, Japan Post Bank Co's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.18.

JPPTY
50GF Score
Japan Post Bank Co Ltd JPPTY
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Japan Post Bank Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Japan Post Bank Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(1085321.569-1351704.269)/1567189.67
=-0.17

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1427827.822 - 342506.253
=1085321.569

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1369471.801 - 17767.532 - 0
=1351704.269

Japan Post Bank Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(1099150.525-1381874.028)/1575367.547
=-0.18

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1459434.75 - 360284.225
=1099150.525

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1399152.673 - 17278.645 - 0
=1381874.028

* 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.

What does a Scaled Net Operating Assets of -0.18 mean?
Japan Post Bank Co (JPPTY) has a Scaled Net Operating Assets of -0.18 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Japan Post Bank Co and its competitors.
Is Japan Post Bank Co's Scaled Net Operating Assets too high?
Japan Post Bank Co's current Scaled Net Operating Assets is -0.18. 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 Scaled Net Operating Assets compare to competitors?
Japan Post Bank Co's Scaled Net Operating Assets of -0.18 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Japan Post Bank Co and its competitors. Japan Post Bank Co's current Scaled Net Operating Assets is -0.18. 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 $19.16 — trading 86.4% above its estimated fair value. The current Scaled Net Operating Assets is -0.18. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Japan Post Bank Co (JPPTY), the current Scaled Net Operating Assets is -0.18 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 $19.16 is trading 86.4% above its estimated GF Value™ of $10.28. GuruFocus considers Japan Post Bank Co to be Significantly Overvalued.

Key valuation signals for JPPTY:

  • Scaled Net Operating Assets: -0.18
  • GF Value™: $10.28 vs. price of $19.16 (86.4% 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).
50GF Score

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$19.16
Price
$10.28
GF Value