Japan Post Bank CoJPPTY +0.69%50 5-Year Yield-on-Cost % is 3.17 as of Jul. 10, 2026, which is 41% below its 10-year median of 5.39. 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 1,253 Banks companies, Japan Post Bank Co ranks worse than 62.89% on this metric.
Japan Post Bank Co's yield on cost for the quarter that ended in Dec. 2025 was 3.17.
The historical rank and industry rank for Japan Post Bank Co's 5-Year Yield-on-Cost % or its related term are showing as below:
JPPTY'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.55 Med: 5.39 Max: 9
Current: 3.17
During the past 12 years, Japan Post Bank Co's highest Yield on Cost was 9.00. The lowest was 2.55. And the median was 5.39.
JPPTY's 5-Year Yield-on-Cost % is ranked worse than 62.89% of 1253
companies
in the Banks industry
Industry Median: 3.89
vs JPPTY: 3.17
Japan Post Bank Co (OTCPK:JPPTY) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Japan Post Bank Co 5-Year Yield-on-Cost % Related Terms
Japan Post Bank Co 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Japan Post Bank Co's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Japan Post Bank Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Japan Post Bank Co's 5-Year Yield-on-Cost % falls into.
Japan Post Bank Co 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Japan Post Bank Co (JPPTY) has a 5-Year Yield-on-Cost % of 3.17 as of Jul. 10, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Japan Post Bank Co and its competitors. This is 41% below median its historical median of 5.39. Over the past decade, Japan Post Bank Co's 5-Year Yield-on-Cost % has ranged from 2.55 to 9.00. According to the industry distribution chart, Japan Post Bank Co ranks #788 out of 1253 companies in the Banks industry, placing it in the top 62.9%.
Is Japan Post Bank Co's 5-Year Yield-on-Cost % too high?
Japan Post Bank Co's current 5-Year Yield-on-Cost % of 3.17 is 41% below median its 10-year median of 5.39. Over the past 10 years, this metric has ranged from a low of 2.55 to a high of 9.00. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Japan Post Bank Co's value of 3.17 is 18.5% below this industry median. Based on the distribution chart, Japan Post Bank Co ranks #788 out of 1253 companies in the Banks industry, which is below the industry midpoint. 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 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Japan Post Bank Co ranks #788 out of 1253 companies for 5-Year Yield-on-Cost %. This places Japan Post Bank Co in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Japan Post Bank Co's value of 3.17 is 18.5% below this benchmark. Historically, Japan Post Bank Co's own 5-Year Yield-on-Cost % has ranged from 2.55 to 9.00 over the past decade. While the company's 10-year median is 5.39 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,253 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Post Bank Co's current 5-Year Yield-on-Cost % of 3.17 is 18.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Japan Post Bank Co and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Post Bank Co's current 5-Year Yield-on-Cost % is 3.17, which is 41% below median its own 10-year median of 5.39. 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 5-Year Yield-on-Cost % is 3.17, which is 41% below median its 10-year median of 5.39 and 18.5% below the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Japan Post Bank Co (JPPTY), the current 5-Year Yield-on-Cost % is 3.17 as of Jul. 10, 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 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:
5-Year Yield-on-Cost %: 3.17 (41% below median its 10-year median of 5.39)
GF Value™: $10.22 vs. price of $20.46 (100.2% above fair value)
Industry Position: 18.5% below the Banks median (#788 of 1253)
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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