Japan Post Bank Co., Ltd. (JPSTF)
JAPAN POST BANK Co., Ltd. offers a broad spectrum of banking and financial services to both individual and institutional clients, operating within Japan and across international markets. Its extensive portfolio includes various deposit products, such as liquid accounts like transfer, savings, and ordinary deposits, alongside fixed-term options including time deposits and TEIGAKU deposits, as well as negotiable certificates of deposit. The bank also provides diverse lending solutions, from loans secured by deposits or Japanese government bonds, and credit card loans, to financing for local, central, and regional government bodies, syndicated loans, and corporate or secondary market loans. Beyond traditional banking, JAPAN POST BANK facilitates access to securities investment products, offers domestic and foreign exchange services, distributes Japanese government bonds and investment trusts, and provides insurance products. It also acts as an intermediary for services like mortgages and credit cards. Further offerings extend to overdraft facilities, housing loans, and comprehensive remittance and settlement services, all complemented by modern online banking capabilities. The company operates an expansive network comprising 31,774 ATMs and 23,734 branches. Founded in 2006 and headquartered in Tokyo, Japan, the company was initially known as Yucho Co, Ltd. before officially changing its name to JAPAN POST BANK Co., Ltd. in October 2007. It operates as a subsidiary of Japan Post Holdings Co., Ltd.
Industry: Banks - Regional
JAPAN POST BANK Co., Ltd.
No splits on record
Nothing in JPSTF's public trading history: no forward or reverse split has affected the share count.
| Period | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2026-03-31 | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 |
| Revenue | $17.85B | $15.84B | $12.22B | $12.94B | $12.37B | $12.18B | $11.23B |
| YoY Growth | 12.7% | 29.6% | -5.5% | 4.5% | 1.6% | 8.4% | - |
| Cost of Revenue | $6.28B | $5.17B | $4.44B | $2.91B | $1.44B | $1.53B | $2.2B |
| Gross Profit | $11.65B | $10.67B | $12.22B | $10.03B | $10.93B | $10.65B | $9.03B |
| Gross Margin | 65.3% | 67.4% | 100.0% | 77.5% | 88.4% | 87.4% | 80.4% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $6.01B | $5.81B | $5.89B | $5.87B | $6.23B | $6.41B | $6.48B |
| Other | $824.15M | $1.15B | $3.18B | $1.27B | $1.55B | $1.74B | $146.3M |
| Total Operating Expenses | $6.84B | $6.96B | $9.07B | $7.14B | $7.78B | $8.15B | $6.62B |
| Operating Income (EBIT) | $4.82B | $3.71B | $3.14B | $2.89B | $3.15B | $2.49B | $2.4B |
| Operating Margin | 27.0% | 23.4% | 25.7% | 22.3% | 25.5% | 20.5% | 21.4% |
| Interest Expense | $6.32B | $5.17B | $4.44B | $2.91B | $1.44B | $1.53B | $2.2B |
| Interest Income | $14.51B | $11.12B | $8.87B | $7.9B | $8.7B | $7.61B | $8.37B |
| Other Income (Expense) | $0 | $0 | -$1.34M | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | $4.82B | $3.71B | $3.14B | $2.89B | $3.15B | $2.49B | $2.4B |
| Income Tax Expense | $1.39B | $1.03B | $882.41M | $779.3M | $904.11M | $718.5M | $671.22M |
| Net Income | $3.34B | $2.63B | $2.26B | $2.06B | $2.26B | $1.78B | $1.74B |
| Net Income Margin | 18.7% | 16.6% | 18.5% | 16.0% | 18.2% | 14.6% | 15.5% |
| Supplementary Data | |||||||
| EPS | 147.10 | 114.60 | 98.43 | 86.85 | 94.72 | 74.73 | 72.94 |
| Diluted EPS | 147.10 | 114.60 | 98.43 | 86.85 | 94.72 | 74.73 | 72.94 |
| Weighted Average OS | 22.50M | 3.62B | 3.62B | 3.74B | 3.75B | 3.75B | 3.75B |
| EBITDA | $4.88B | $4B | $3.41B | $3.1B | $3.39B | $2.72B | $2.64B |
| EBITDA Margin | 27.3% | 25.3% | 27.9% | 24.0% | 27.4% | 22.3% | 23.5% |
| Period | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2026-03-31 | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 |
| Assets | |||||||
| Current Assets | |||||||
| Cash and Cash Equivalents | $387.14B | $410.55B | $366.63B | $433.31B | $423.43B | $385.97B | $328.15B |
| Short-Term Investments | $1.37M | $0 | $0 | $0 | $0 | $0 | $0 |
| Cash and Short-Term Investments | $387.14B | $410.55B | $366.63B | $433.31B | $423.43B | $385.97B | $328.15B |
| Accounts Receivable | $0 | $0 | $0 | $0 | $0 | $0 | $62.53B |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $387.14B | $410.55B | $366.63B | $433.31B | $423.43B | $385.97B | $390.67B |
| Long-Term Assets | |||||||
| Property, Plant & Equipment Net | $1.13B | $1.22B | $1.26B | $1.21B | $1.23B | $1.26B | $1.23B |
| Goodwill | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Intangible Assets | $624.62M | $645.04M | $556.54M | $493.68M | $341.08M | $306.68M | $300.54M |
| Long-Term Investments | $1.03T | $33.44B | $56.26B | $51.21B | $43.89B | $38.62B | $38.11B |
| Deferred Tax Assets | $3.11B | $2.81B | $368.78M | $154.81M | $489K | $591K | $796.9M |
| Other Long-Term Assets | $30.26B | $1.04T | $1.06T | $971.78B | $1.01T | $995.73B | $908.47B |
| Total Long-Term Assets | $1.06T | $1.07T | $1.82B | $1.02T | $1.06T | $1.04T | $948.91B |
| Other Assets | $0 | $0 | $1.12T | $0 | $0 | $0 | $0 |
| Total Assets | $1.45T | $1.48T | $1.49T | $1.46T | $1.48T | $1.42T | $1.34T |
| Liabilities | |||||||
| Current Liabilities | |||||||
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Short-Term Debt | $159.47B | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $0 | $1.21T | $1.22T | $1.24T | $1.23T | $1.2T | $1.16T |
| Total Current Liabilities | $159.47B | $1.21T | $47.61M | $1.24T | $1.23T | $1.2T | $1.16T |
| Long-Term Liabilities | |||||||
| Long-Term Debt | $18.02B | $15.94B | $12.61B | $10.37B | $35.59B | $24.88B | $64.15M |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $1.21T | $200.32B | $1.4T | $148.3B | $149.96B | $120.48B | $120.01B |
| Total Long-Term Liabilities | $1.23T | $216.26B | $1.41T | $158.67B | $185.55B | $145.37B | $120.08B |
| Other Liabilities | $0 | $0 | $15.08B | $0 | $0 | $0 | $0 |
| Total Liabilities | $1.39T | $1.43T | $1.42T | $1.4T | $1.41T | $1.35T | $1.28T |
| Stockholders' Equity | |||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $22.37B | $22.23B | $22.23B | $22.23B | $22.23B | $22.23B | $22.23B |
| Retained Earnings | $19.57B | $17.69B | $16.35B | $15.76B | $15.33B | $17.47B | $16.28B |
| Comprehensive Income & Other | -$5.2B | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Stockholders' Equity | $16.95B | $17.5B | $22.82B | $23.08B | $27.67B | $32.52B | $18.61B |
| Total Equity | $58.89B | $57.42B | $61.4B | $61.07B | $65.23B | $72.22B | $57.12B |
| Minority Interest | $298.1M | $322.88M | $261M | $233.6M | $203.51M | $157.13M | $63.16M |
| Total Liabilities and Equity | $1.45T | $1.48T | $1.49T | $1.46T | $1.48T | $1.42T | $1.34T |
| Supplementary Data | |||||||
| Total Debt | $177.49B | $15.94B | $12.61B | $10.37B | $35.59B | $24.88B | $64.15M |
| Net Debt | -$209.65B | -$394.61B | -$354.02B | -$422.94B | -$387.84B | -$361.09B | -$328.08B |
| Period | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2026-03-31 | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 |
| Operating Activities | |||||||
| Net Income | $3.36B | $3.71B | $3.14B | $492.82M | $2.26B | $1.78B | $1.74B |
| Depreciation & Amortization | $327.67M | $290.54M | $271.1M | $217.43M | $239.55M | $222.51M | $230.32M |
| Deferred Income Tax | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Stock-Based Compensation | $0 | $0 | $0 | $0 | -$127K | -$445K | -$1.48M |
| Changes in Working Capital: | |||||||
| Accounts Receivable | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Working Capital | $176.45M | $35.43B | $23.47B | -$38.22B | $32.49B | $20.83B | $7.19B |
| Total Working Capital Change | $176.45M | $35.43B | $23.47B | -$38.22B | $32.49B | $20.83B | $7.19B |
| Other Non-Cash Items | -$36.16B | -$10.23B | -$26.37B | $8.95B | -$10.75B | $37.07B | -$3.24B |
| Net Cash from Operating | -$32.29B | $29.2B | $514.72M | -$28.55B | $24.23B | $59.9B | $5.91B |
| Investing Activities | |||||||
| Capital Expenditures | -$272.35M | -$152.11M | -$173.87M | -$301M | -$290.01M | -$236.42M | -$104.07M |
| Acquisitions | -$26.24M | $0 | $0 | $0 | $0 | $0 | $3.09M |
| Purchases of Investments | -$159.83B | -$179.33B | -$272.89B | -$291.19B | -$263.8B | -$191.83B | $0 |
| Sales of Investments | $157.85B | $193.27B | $202.08B | $334.71B | $255B | $191.68B | $0 |
| Other Investing Activities | -$1.32B | $2.25B | $5.7B | -$2.96B | -$983.23M | -$1.19B | -$11.25B |
| Net Cash from Investing | -$3.6B | $16.04B | -$65.28B | $40.25B | -$10.07B | -$1.58B | -$11.35B |
| Financing Activities | |||||||
| Debt Repaid | - | - | - | - | - | - | - |
| Common Stock Issuance | $153K | $337K | $279K | $349K | $330K | $451K | $521K |
| Common Stock Repurchases | -$417.79M | -$160.09M | -$363.87M | -$596.42M | -$1.24M | -$1.87M | -$2.27M |
| Dividends Paid | -$1.33B | -$1.17B | -$1.16B | -$1.19B | -$1.19B | -$595.79M | -$1.19B |
| Other Financing Activities | -$1.96B | $9.89M | $24.03M | -$29.94M | $24.49B | $94.55M | $12.77B |
| Net Cash from Financing | -$29.52B | -$1.32B | -$1.5B | -$1.82B | $23.3B | -$502.66M | $11.58B |
| Forex Effect | $0 | $0 | $0 | $0 | $438K | $902K | $1.42M |
| Net Change in Cash | -$65.41B | $43.92B | -$66.27B | $9.88B | $37.46B | $57.82B | $6.14B |
| Supplementary Data | |||||||
| Operating Cash Flow | -$4.42B | $29.2B | $514.72M | -$28.55B | $48.69B | $59.9B | $5.91B |
| Capital Expenditure | -$53.91M | -$340.4M | -$399.86M | -$301M | -$290.01M | -$236.42M | -$104.07M |
| Free Cash Flow | -$4.48B | $28.86B | $114.87M | -$28.86B | $48.4B | $59.67B | $5.81B |
| Cash at Beginning | $410.55B | $366.63B | $432.9B | $423.02B | $385.56B | $327.73B | -$6.14B |
| Cash at End | $345.13B | $410.55B | $366.63B | $432.9B | $423.02B | $385.56B | $1.42M |