---
title: "Japan Post Insurance Earnings Surge as Embedded Value Rises Despite Slump in New Policies"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/275871468.md"
description: "Japan Post Insurance reported a 40.3% increase in net income to ¥118.4 billion for the nine months ending December 31, 2025, despite a 48.2% drop in new individual insurance policies. The rise in earnings was attributed to lower policy reserve burdens and improved investment spreads. Embedded value rose 10.2% to ¥4,343.8 billion, indicating strong underlying franchise value. The stock has a Buy rating with a target price of ¥5845.00, while the current market cap stands at ¥1901.5 billion."
datetime: "2026-02-13T08:40:46.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/275871468.md)
  - [en](https://longbridge.com/en/news/275871468.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/275871468.md)
---

# Japan Post Insurance Earnings Surge as Embedded Value Rises Despite Slump in New Policies

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An update from JAPAN POST INSURANCE Co., Ltd. ( (JP:7181) ) is now available.

Japan Post Insurance reported a 40.3% year-on-year rise in net income to ¥118.4 billion for the nine months ended December 31, 2025, driven by a lower initial burden of policy reserves on new contracts and improved investment spreads amid a better market environment. Adjusted profit also increased 13.2% to ¥120.3 billion after excluding reserve-related effects.

Despite stronger profitability, the number of new individual insurance policies fell 48.2%, mainly due to weaker sales of lump-sum payment whole life products, and policies in force declined 4.3% from the previous fiscal year-end as the insurer works toward a turnaround in its new product category. Embedded value climbed 10.2% to ¥4,343.8 billion and value of new business rose 9.1%, reflecting higher interest rates and equity market gains, underscoring solid underlying franchise value even as top-line policy volumes come under pressure.

The most recent analyst rating on (JP:7181) stock is a Buy with a Yen5845.00 price target. To see the full list of analyst forecasts on JAPAN POST INSURANCE Co., Ltd. stock, see the JP:7181 Stock Forecast page.

**More about JAPAN POST INSURANCE Co., Ltd.**

Japan Post Insurance Co., Ltd. is a major Japanese life insurer offering individual insurance products, including whole life policies, and related savings and protection solutions. The company operates nationwide, with a focus on the domestic retail market and long-term policyholder value measured through metrics such as embedded value and value of new business.

**Average Trading Volume:** 874,500

**Technical Sentiment Signal:** Buy

**Current Market Cap:** Yen1901.5B

Learn more about 7181 stock on TipRanks’ Stock Analysis page.

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