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Market Price

9.73 

0.04 0.4%

as of Mar 20 '19

52 Week Range:

9.31 11.58


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

JAPAN POST BANK Co., Ltd. provides various banking products and services to retail and corporate clients in Japan and internationally. The company offers liquid deposits, including transfer deposits, savings deposits, ordinary deposits, etc.; fixed-term deposits, such as time deposits, TEIGAKU deposits, etc.; and other deposits, as well as negotiable certificates of deposit, overdraft facilities, and remittance services. It also provides loans secured by deposits, loans secured by Japanese government bonds, credit card loans, and loans to local, central, and regional government authorities; syndicated loans; and corporate and other secondary market loans, as well as finance and insurance loans, including loans to the management organization for postal savings and postal life insurance. In addition, the company offers securities investment products, domestic and foreign exchange services, Japanese government bonds, investment trust products, and insurance products; and intermediary services, such as mortgage and credit card services. It operates through a network of 28,782 ATMs and 24,019 post offices. The company was formerly known as Yucho Co, Ltd. and changed its name to JAPAN POST BANK Co., Ltd. in October 2007. The company was founded in 2006 and is headquartered in Tokyo, Japan. JAPAN POST BANK Co., Ltd. is a subsidiary of JAPAN POST HOLDINGS Co., Ltd.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Equity (BVPS) 23.57
26.18
24.13
growth rate 11.1% -7.8%
Avg.PE 17.70
14.91
11.06
growth rate -15.8% -25.8%
ROA 0.18
0.16
0.15
0.17
growth rate -11.1% -6.3% 13.3%
ROE 3.18
2.81
2.68
3.03
growth rate -11.6% -4.6% 13.1%
Leverage 17.90
17.99
17.79
18.28
growth rate 0.5% -1.1% 2.8%
Balance Sheet Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Acct.Receivable 7,305,671.00
8,545,423.00
8,127,047.00
9,049,765.00
8,590,206.00
growth rate 17.0% -4.9% 11.4% -5.1%
Acct.Payable 176,612,780.00
178,770,387.00
178,003,665.00
179,535,769.00
180,085,060.00
growth rate 1.2% -0.4% 0.9% 0.3%
Cur.Assets 26,627,583.00
42,640,894.00
55,391,648.00
61,837,146.00
59,494,631.00
growth rate 60.1% 29.9% 11.6% -3.8%
Total Assets 202,512,882.00
208,179,309.00
207,056,039.00
209,568,820.00
210,629,821.00
growth rate 2.8% -0.5% 1.2% 0.5%
Cash 18,848,622.00
32,596,049.00
45,810,068.00
51,216,921.00
49,223,314.00
growth rate 72.9% 40.5% 11.8% -3.9%
Cur.Liabilities 189,660,313.00
194,906,431.00
194,135,385.00
196,310,404.00
197,774,028.00
growth rate 2.8% -0.4% 1.1% 0.8%
Liabilities 191,048,358.00
196,549,097.00
195,547,889.00
197,788,783.00
199,108,141.00
growth rate 2.9% -0.5% 1.2% 0.7%
LT Debt 13,570,198.00
13,570,198.00
13,123,558.00
13,694,294.00
2,400.00
growth rate 0.0% -3.3% 4.4% -100.0%
Equity 11,464,524.00
11,630,212.00
11,508,150.00
11,780,037.00
11,521,217.00
growth rate 1.5% -1.1% 2.4% -2.2%
Common Shares 3,500,000.00
4,124.00
3,749.00
3,749.00
3,749.00
growth rate -99.9% -9.1% 0.0% 0.0%
Cash Flow Statement Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Capital Expenditures 7,773.00
29,990.00
32,274.00
19,227.00
34,446.00
growth rate 285.8% 7.6% -40.4% 79.2%
Cash Dividends 93,487.00
93,987.00
184,717.00
187,297.00
187,409.00
growth rate 0.5% 96.5% 1.4% 0.1%
Cash From OA 3,437,410.00
1,841,066.00
2,664,827.00
-865,211.00
-577,053.00
growth rate -46.4% 44.7% -100.0% 0.0%
FCF per Share 6.55
-3.02
growth rate -100.0%
Sale Purchase of Stock 25.00
25.00
25.00
25.00
growth rate 0.0% 0.0% 0.0%
FCF 3,429,637.00
2,812,956.00
3,404,152.00
683,653.00
-189,057.00
growth rate -18.0% 21.0% -79.9% -100.0%
Income Statement Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Sales 1,585,695.00
1,716,873.00
1,581,847.00
1,533,608.00
1,668,361.00
growth rate 8.3% -7.9% -3.1% 8.8%
Op.Income 450,875.00
571,050.00
480,893.00
441,555.00
498,940.00
growth rate 26.7% -15.8% -8.2% 13.0%
IBT 564,465.00
571,033.00
480,888.00
440,597.00
498,923.00
growth rate 1.2% -15.8% -8.4% 13.2%
Net Income 354,664.00
369,434.00
325,069.00
312,264.00
352,775.00
growth rate 4.2% -12.0% -3.9% 13.0%
EPS 89.58
86.69
83.28
94.09
growth rate -3.2% -3.9% 13.0%
Gross Profit 1,572,471.00
1,700,836.00
1,569,500.00
1,520,977.00
1,668,361.00
growth rate 8.2% -7.7% -3.1% 9.7%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Balance Sheet
Acct.Receivable 8,728,190.00
8,590,206.00
growth rate -1.6%
Acct.Payable 181,060,824.00
180,085,060.00
181,349,714.00
180,373,023.00
181,838,760.00
growth rate -0.5% 0.7% -0.5% 0.8%
Cur.Assets 58,901,388.00
59,494,631.00
63,121,253.00
60,735,845.00
62,703,056.00
growth rate 1.0% 6.1% -3.8% 3.2%
Total Assets 211,079,714.00
210,629,821.00
209,116,203.00
208,381,300.00
209,718,214.00
growth rate -0.2% -0.7% -0.4% 0.6%
Cash 50,173,149.00
49,223,314.00
51,127,268.00
48,464,845.00
50,001,112.00
growth rate -1.9% 3.9% -5.2% 3.2%
Cur.Liabilities 195,779,857.00
197,774,028.00
183,601,137.00
183,143,080.00
192,973,030.00
growth rate 1.0% -7.2% -0.3% 5.4%
Liabilities 199,180,444.00
199,108,141.00
197,759,529.00
197,097,280.00
198,983,115.00
growth rate 0.0% -0.7% -0.3% 1.0%
LT Debt 13,179,493.00
2,400.00
11,362,359.00
11,167,793.00
3,763,921.00
growth rate -100.0% 473,331.6% -1.7% -66.3%
Equity 11,899,270.00
11,521,217.00
11,355,113.00
11,279,241.00
10,730,107.00
growth rate -3.2% -1.4% -0.7% -4.9%
Common Shares 3,500,000.00
3,500,000.00
3,500,000.00
3,500,000.00
3,500,000.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 469,002.00
386,578.00
384,385.00
408,376.00
330,907.00
growth rate -17.6% -0.6% 6.2% -19.0%
Op.Income 144,270.00
92,992.00
106,516.00
116,493.00
58,020.00
growth rate -35.5% 14.5% 9.4% -50.2%
IBT 140,710.00
101,542.00
106,516.00
116,470.00
57,949.00
growth rate -27.8% 4.9% 9.4% -50.3%
Net Income 100,536.00
70,684.00
78,346.00
80,945.00
44,023.00
growth rate -29.7% 10.8% 3.3% -45.6%
Gross Profit 466,271.00
394,866.00
384,385.00
408,376.00
330,907.00
growth rate -15.3% -2.7% 6.2% -19.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

F (0.00)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.08 12.15
EPS / Growth 0.80

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 0.01 1.01 1.01
Future EPS 0.88 0.88 0.88
Value Price
MOS %
0.00
-100.0%
0.22
-97.7%
0.22
-97.7%
MOS Price 0.00 0.11 0.11
IRT 11.41 11.41 11.41

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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