The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Price target range & 52-week position
Bear¥1,489.57Fair value¥2,728.31Bull¥3,997.35
FairClose
52-week traded range
52W low ¥1,661.5052W high ¥3,447.00
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading above the consensus fair value
JAPAN POST BANK Co.,Ltd. closed at ¥3,290.00, 20.6% above the consensus fair value of ¥2,728.31 drawn from 8 valuation models.
Financial DNA score 31/100 — Weak. P/E of 22.4x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
¥2,919.79
-11.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
¥2,928.15
-11.0%
√(22.5 × EPS × BVPS)
EPS=147.1, BVPS=2590.55 · outside Graham range (P/E 22.4, P/B 1.3) — asset-light, treat as a rough floor
P/E Fair Value
¥2,942.00
-10.6%
EPS × 20x (sector P/E)
EPS=147.1, Sector P/E=20x
Peter Lynch (PEG)
¥1,515.13
-53.9%
EPS × Growth% (PEG = 1 is fair)
EPS=147.1, g=10.3%
Dividend Discount (DDM)
¥3,997.35
+21.5%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=74.02, r=10%, g=8%
Book Value (P/B)
¥1,489.57
-54.7%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=2590.55, ROE=5.8%, g=6%, r=10%
Reverse DCF
¥3,290.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 8.7% | Historical: 10.3%
Margin of Safety
¥2,197.49
-33.2%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=2929.98, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.