7182
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株式会社ゆうちょ銀行
Banks
JAPAN POST BANK Co., Ltd. provides financial products and services in Japan and internationally. The company offers regular, fixed, and wealth building saving accounts, remittance and payment pension account. It provides loans and lending comprising mortgage, account overdraft, and savings-secured automatic loans. In addition, it offers asset management and defined contribution pension plans, including investment trusts, variable annuities, and government bonds. Further it provides stores and ATM services. 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 incorporated in 2006 and is headquartered in Tokyo, Japan. JAPAN POST BANK Co., Ltd. is a subsidiary of Japan Post Holdings Co., Ltd.
Price
¥3,069
Market Cap
¥11.1T
Ent. Value
—
Net Cash
est
—
Shares Out.
3.6B
P / E
26.8×
EV / EBIT
—
P / Book
1.22×
P / NCAV
N/M
Div. Yield
1.89%
Financials
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ¥233,601.5B | ¥233,908.0B | ¥229,582.2B | ¥232,954.5B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥191.9B | ¥198.3B | ¥190.5B | ¥193.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | ¥101.6B | ¥87.6B | ¥77.7B | ¥53.7B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | ¥442.7B | ¥58.1B | ¥24.4B | ¥77M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥224,510.5B | ¥224,200.1B | ¥219,930.4B | ¥222,652.2B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | ¥4M | ¥2.1B | ¥134.7B | ¥134.7B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | — | — | — | ¥306.4B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥9,091.0B | ¥9,707.9B | ¥9,651.9B | ¥10,302.3B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | ¥3,500.0B | ¥3,500.0B | ¥3,500.0B | ¥3,500.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | ¥3,500.0B | ¥3,500.0B | ¥3,500.0B | ¥3,500.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥2,784.5B | ¥2,574.6B | ¥2,481.9B | ¥2,414.3B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | ¥-6.4B | ¥-1.5B | ¥-24.5B | ¥-902M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | ¥-737.9B | ¥93.8B | ¥157.7B | ¥856.8B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥9,778.1B | ¥9,573.0B | ¥9,457.4B | ¥9,413.4B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | ¥50.8B | ¥41.1B | ¥36.8B | ¥32.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | ¥2,715 | ¥2,646 | ¥2,577 | ¥2,511 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| Operating CF | ¥4,597.3B | ¥81.0B | ¥-4,495.8B | ¥7,665.3B |
| Taxes Paid | ¥-174.5B | ¥-202.3B | ¥-8.1B | — |
| D&A | ¥45.7B | ¥42.7B | ¥34.2B | ¥37.7B |
| Investing CF | ¥2,525.4B | ¥-10,278.2B | ¥6,337.5B | ¥-1,585.5B |
| CapEx | ¥23.9B | ¥27.4B | ¥18.8B | ¥23.8B |
| Financing CF | ¥-208.1B | ¥-236.6B | ¥-286.0B | ¥-181.7B |
| Dividends Paid | ¥-184.5B | ¥-183.2B | ¥-187.5B | ¥-187.5B |
| Share Buybacks | ¥-25.2B | ¥-57.3B | ¥-93.9B | ¥-195M |
| Free Cash Flow | ¥4,573.3B | ¥53.7B | ¥-4,514.6B | ¥7,641.5B |
| Net Change in Cash | ¥6,914.6B | ¥-10,433.8B | ¥1,555.6B | ¥5,898.2B |
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| ROE | 4.4% | 3.7% | 3.3% | 3.3% |
| ROA | 0.2% | 0.2% | 0.1% | 0.2% |
| EPS | ¥114.60 | ¥98.43 | ¥86.84 | ¥94.71 |
| DPS | ¥58.00 | ¥51.00 | ¥50.00 | ¥50.00 |
| BPS | ¥2,511.18 | ¥2,673.23 | ¥2,621.17 | ¥2,739.60 |
| FCF/Share | ¥1,270 | ¥15 | ¥-1,230 | ¥2,038 |
| Payout Ratio | 50.6% | 51.8% | 57.6% | 52.8% |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 2
| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 | 日本郵政株式会社 | 1,802,167,900 | 50.04% |
| 2 |
The Master Trust Bank of Japan, Ltd. (Trust Account)
日本マスタートラスト信託銀行株式会社(信託口)
|
247,240,200 | 6.86% |
| 3 |
Custody Bank of Japan, Ltd. (Trust Account)
株式会社日本カストディ銀行(信託口)
|
71,608,000 | 1.98% |
| 4 |
State Street Bank and Trust Company
STATE STREET BANK WEST CLIENT - TREATY 505234(常任代理人 株式会社みずほ銀行決済営業部)
|
38,916,100 | 1.08% |
| 5 |
State Street Bank and Trust Company
STATE STREET BANK AND TRUST COMPANY 505001(常任代理人 株式会社みずほ銀行決済営業部)
|
38,196,681 | 1.06% |
| 6 | JPモルガン証券株式会社 | 34,286,763 | 0.95% |
| 7 | THE NOMURA TRUST AND BANKING CO., LTD. AS THE TRUSTEE OF REPURCHASE AGREEMENT MOTHER FUND (常任代理人 シティバンク、エヌ・エイ東京支店) | 27,224,400 | 0.75% |
| 8 |
JPMorgan Chase Bank, N.A.
JP MORGAN CHASE BANK 385781(常任代理人 株式会社みずほ銀行決済営業部)
|
26,554,042 | 0.73% |
| 9 | モルガン・スタンレーＭＵＦＧ証券株式会社 | 20,945,956 | 0.58% |
| 10 |
BNY Mellon (Nominee)
ゴールドマン・サックス証券株式会社 BNYM (常任代理人 株式会社三菱ＵＦＪ銀行)
|
19,485,300 | 0.54% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
8.8%
-1.2% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
3.4%
+1.2% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
52.3%
-10.5% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 64.6% · grey = other shareholders · 2025
| Shareholder | Trend | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 日本郵政 | 60.62% | 61.50% | 50.04% -11.46% | |
| 日本マスタートラスト信託銀行 | 2.08% | 7.73% | 6.86% -0.87% | |
| State Street | 1.40% | 1.69% | 2.14% +0.45% | |
| 日本カストディ銀行 | 0.49% | 2.30% | 1.98% -0.32% | |
| JPモルガン証券 | — | 0.73% | 0.95% +0.22% | |
| THE NOMURA TRUST AND BANKING CO., LTD. AS THE TRUSTEE OF REPURCHASE AGREEMENT MOTHER FUND NEW ENTRY | — | — | — | 0.75% NEW |
| JP Morgan | 0.55% | 0.55% | 0.73% +0.18% | |
| Morgan Stanley NEW ENTRY | — | — | — | 0.58% NEW |
| BNY Mellon NEW ENTRY | — | — | — | 0.54% NEW |
| 多田 勝美 last seen 2024 | Exited Top 10 | — | 0.32% | — |
| ゆうちょ銀行社員持株会 last seen 2024 | Exited Top 10 | 0.32% | 0.32% | — |
| UBS last seen 2023 | Exited Top 10 | 0.82% | — | — |
| Concentration (HHI) ⓘ | 3682 | 3851 | 2562 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved