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Japan Post BankJAPAN POST BANK Co., Ltd.7182東証プライム銀行業FY ending Mar 2026, consolidated, J-GAAP

Japan Post Bank FY ending Mar 2026 results

Japan Post Bank brought in ¥2.85T in ordinary revenue.

Out of every ¥100 of ordinary revenue, about ¥27 is left as ordinary profit.

Ordinary revenue changed +13.1% from the prior year, ordinary profit +29.9%.

Revenue and profit pattern

Revenue and profit upProfit grew faster

Revenue +13.1% · profit +29.9%, calculated from disclosed figures.

Operating leverage: 2.28× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue
+13.1%¥2.52T → ¥2.85T
Net income attributable to owners
+26.9%¥414.3B → ¥525.6B
Operating cash flow
-305.3%¥4.6T → -¥9.44T
Free cash flow
-308.6%¥4.54T → -¥9.48T

Results at a glance

  • Revenue for FY ending Mar 2026 was ¥2.85T, up 13.1% from ¥2.52T a year earlier.
  • Net income attributable to owners grew 26.9%, from ¥414.3B to ¥525.6B.
  • Cash flow moved the other way: operating cash flow went from ¥4.6T to -¥9.44T, and free cash flow from ¥4.54T to -¥9.48T.

What drove the change

  • Net interest income rose sharply, helped by higher returns from foreign bond investment trusts and more interest on Japanese government bonds.
  • With domestic rates rising, the bank kept moving money out of deposits held elsewhere and into Japanese government bonds.
  • Gains from private equity funds increased, but lower gains on stock sales meant one-off profits fell from the prior year.

Things to watch

  • Rising Japanese interest rates have lowered the value of the bonds it holds, and further rate rises could lead to valuation or sale losses.
  • If the gap between overseas and Japanese interest rates widens again, the cost of raising foreign currency could climb and weigh heavily on results.
  • Having to raise savings rates, or losing deposits to other banks offering higher rates, could push up funding costs or shrink the money it can invest.

Annual Securities Report, 20th term (Apr 2025 - Mar 2026) / 経営者による財政状態、経営成績及びキャッシュ・フローの状況の分析 · Annual Securities Report, 20th term (Apr 2025 - Mar 2026) / 事業等のリスク

Where the money goes

FY ending Mar 2025 → FY ending Mar 2026

Where ¥100 of ordinary revenue goes

For every ¥100 of ordinary revenue (a bank's or insurer's top line) Japan Post Bank earns, how much goes where, and how much is kept.

FY ending Mar 2026
Ordinary expenses
¥73
Ordinary profit
¥27
Net profit kept
¥18

Annual margin trends

Ordinary margin26.6%
FY ending Mar 2021: 20.3%20.3%FY ending Mar 2022: 24.8%24.8%FY ending Mar 2023: 22.1%22.1%FY ending Mar 2024: 18.7%18.7%FY ending Mar 2025: 23.2%23.2%FY ending Mar 2026: 26.6%26.6%FY21FY22FY23FY24FY25FY26
Net margin18.4%
FY ending Mar 2021: 14.4%14.4%FY ending Mar 2022: 18.0%18.0%FY ending Mar 2023: 15.7%15.7%FY ending Mar 2024: 13.4%13.4%FY ending Mar 2025: 16.4%16.4%FY ending Mar 2026: 18.4%18.4%FY21FY22FY23FY24FY25FY26

Aligned fiscal years compare the shares of revenue remaining as gross, core, and net profit. Missing years are left unconnected.

Sources

Show source documents (6)

  • EDINET (FSA Japan)

    有価証券報告書－第20期(2025/04/01－2026/03/31)

    ID S100Y9G12026-06-18Open

  • EDINET (FSA Japan)

    有価証券報告書－第19期(2024/04/01－2025/03/31)

    ID S100VWHB2025-06-19Open

  • EDINET (FSA Japan)

    有価証券報告書－第18期(2023/04/01－2024/03/31)

    ID S100TN8H2024-06-20Open

  • EDINET (FSA Japan)

    有価証券報告書－第17期(2022/04/01－2023/03/31)

    ID S100QY3O2023-06-22Open

  • EDINET (FSA Japan)

    有価証券報告書－第16期(令和3年4月1日－令和4年3月31日)

    ID S100O7RP2022-06-20Open

  • EDINET (FSA Japan)

    有価証券報告書－第15期(令和2年4月1日－令和3年3月31日)

    ID S100LHP72021-06-21Open

Extracted from XBRL: 42 / Derived from other figures: 1

Spotted an error? Report it (corrections keep the original record)

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