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    Insurance - Life
Lifenet Insurance Company

Lifenet Insurance Company

7157.T
Lifenet Insurance CompanyJP flagTokyo Stock Exchange
1,694.00
JPY
-52.00
- -
136.10BMarket Cap
Lifenet Insurance Company
7157.T
(Tokyo Stock Exchange)

Recent

price

1,694.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
54.19
110.53
142.04
180.45
206.97
191.3
198.79
213.76
245.52
325.9
359.5
399.11
288.8
331.17
364.72
415.54
167.84
Revenue per Share
-24.74
-26.37
-2.99
-52.09
-38.51
-8.74
-37.37
-4.87
-33.92
-46.84
-53.86
-50.64
51.09
75.97
74.63
100.11
37.07
Basic EPS, GAAP
-38.23
-30.88
-8.18
41.09
73.12
91.74
70.98
67.83
43.97
23.4
36.44
34.59
20.77
69.33
75.99
99.48
32.47
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
78.54
164.85
130.87
78.98
40.36
56.93
20.18
15.07
-18.87
-64.44
-32.6
699.41
708.91
796.23
823.47
923.67
788.49
Book Value per Share
263.72
461.07
372.75
318.57
285
305.46
259.98
249.6
217.85
168.97
251.73
1,074.76
1,061.58
1,179.01
1,121.34
1,163.31
1,145.81
Tangible Book Value per Share
34
34
42
42
42
49
51
51
51
51
58
66
70
75
80
80
80
Basic Weighted Avg Shares
1,827
3,772
5,976
7,601
8,729
9,385
10,049
10,933
12,557
16,699
20,785
26,157
20,134
24,996
29,288
33,377
13,471
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
152
192
228
201
225
220
239
254
251
300
364
390
554
631
948
1,073
342
Depreciation Expense
-834
-900
-126
-2,194
-1,624
-429
-1,889
-249
-1,735
-2,400
-3,114
-3,319
3,562
5,734
5,993
8,041
2,975
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
33.69
30.63
34.71
29.41
31.33
Effective Tax Rate (%)
-45.65
-23.86
-2.11
-28.86
-18.6
-4.57
-18.8
-2.28
-13.82
-14.37
-14.98
-12.69
17.69
22.94
20.46
24.09
22.08
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
50
23
18
34
26
18
51
33
16
7
11
363
255
110
1,294
1,013
1,408
LT Debt
9,292
16,159
16,071
13,935
12,487
15,423
13,644
13,387
11,771
9,400
15,806
71,871
75,703
90,881
92,120
95,609
93,924
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
7.47
10.45
9.39
11.28
4.88
Return on Capital (%)
- -
-21.75
-2.26
-49.68
-64.59
-19.09
-99.08
-27.81
- -
- -
- -
- -
7.48
10.47
9.5
11.46
4.94
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
110
- -
1,408
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
80
- -
80
Market Capitalization
111,667
139,425
134,117

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
24,423
- -
18,664
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
40.78%
77.05%
3.79%
Free Cash Flow
25.07%
56.08%
30.94%
Net Income, GAAP
81.73%
-20.21%
34.17%
Sales/Revenue/Turnover
14.63%
11.62%
13.96%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,750
5,788
6,531
6,940
24,996
2025
- -
- -
- -
- -
29,288
2026
- -
- -
- -
- -
33,377

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
25.32
13.87
20.01
- -
75.97
2025
- -
- -
- -
- -
74.63
2026
- -
- -
- -
- -
100.11

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
LIFENET INSURANCE COMPANY (7157.T), headquartered at the 8th floor of Nibancho Center Building in Chiyoda-ku, Tokyo, Japan, and founded in 2006, operates as Japan's leading online life insurer, offering customer-oriented individual and group credit life insurance products sold directly through the internet; core offerings include term life insurance such as Kazoku and term cancer insurance, whole-life and term medical insurance including Jibun series and Jibun Z for men and women, long-term disability insurance like Hataraku-Hito 3, cancer insurance including Double Yell, women's insurance, dementia insurance "be" co-developed with Eisai, and group credit life (GCL) insurance attached to housing loans. The company serves individual policyholders and mortgage borrowers primarily in Japan, with policies-in-force exceeding 659,000 for individuals and annualized premiums of JPY 35.8 billion as of September 2025, emphasizing sincere, easy-to-understand, affordable, and convenient services via digital platforms including 24/7 online claims, AI support, and LINE consultations. LIFENET MIRAI Inc., a wholly-owned subsidiary established in 2021, handles insurance agency business. Recent developments include a November 2025 business alliance with Kyoto Shinkin Bank for GCL underwriting starting July 2026, marking the first partnership outside existing groups and targeting non-linear GCL growth; October 2025 launches of term medical products Jibun Z and Jibun Z for Women alongside a new term cancer insurance in December 2025 to replace whole-life offerings; a November 2025 head office relocation within Chiyoda-ku; rebranding and tech enhancements like voice AI and same-day claims payments in 2025; acquisition of shares in Advance Create Co., Ltd. in September 2025; April 2024 launch of dementia insurance "be"; and a May 2025 mid-term business plan aiming for JPY 200-240 billion comprehensive equity by fiscal 2028 through individual life regrowth, GCL expansion, and priority areas in technology, rebranding, and embedded insurance.