Money Forward, Inc. (JP:3994)
:3994
3994 Stock Chart & Stats
¥4673.00
-¥23.00(-0.47%)
At close: 4:00 PM EST
¥4673.00
-¥23.00(-0.47%)
Day’s Range― - ―
52-Week Range¥2,750.50 - ¥6,794.00
Previous CloseN/A
Volume430.10K
Average Volume (3M)292.29K
Market Cap
¥197.82B
Enterprise Value¥189.21B
Total Cash (Recent Filing)¥45.33B
Total Debt (Recent Filing)¥33.43B
Price to Earnings (P/E)143.8
Beta0.66
Next Earnings
Apr 14, 2026EPS Estimate
12.71Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)90.21
Shares Outstanding55,540,380
10 Day Avg. Volume391,570
30 Day Avg. Volume292,293
Financial Highlights & Ratios
PEG Ratio-1.15
Price to Book (P/B)5.20
Price to Sales (P/S)4.53
P/FCF Ratio68.80
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-22.49
Revenue Forecast (FY)¥56.63B
Bulls Say, Bears Say
Bulls Say
Recurring SaaS Revenue ModelA subscription-driven B2B/B2C SaaS model offers durable, recurring revenue and predictable cash inflows. For Money Forward this supports customer retention, modular upsell across accounting/payroll suites and network effects from bank and partner integrations that compound revenue over time.
Inflection To Positive Profit And Cash Flow (2025)The company reached an important structural inflection in 2025 with revenue growth plus positive EBITDA, net income and free cash flow. That shift indicates scalable economics and better cash conversion, improving ability to self-fund growth and reducing reliance on external capital.
Balance-Sheet Support And Improved LeverageGrowing equity and an improved debt-to-equity ratio give the firm financial flexibility as it scales. A stronger equity base helps absorb operating volatility and supports investments in product and sales while making leverage levels more manageable for a growing software company.
Bears Say
Operating Profit Still NegativeAlthough EBITDA and net income turned positive, the persistent negative operating profit means core operating margins remain under pressure. Continued negative operating profit could limit reinvestment capacity and shows underlying cost structure or scaling inefficiencies that must be resolved for durable profitability.
Historical Cash Flow VolatilityPrior years of negative operating and free cash flow indicate the company's cash conversion is not yet proven across cycles. If 2025 improvements prove temporary, future downturns could quickly reverse cash balances and force external financing or spending cuts, stressing long-term planning.
Meaningful Absolute Debt LevelsEven with improved leverage metrics, elevated absolute debt raises refinancing and interest-rate sensitivity risk. If operating improvements stall, servicing that debt could constrain capital allocation, increase financial cost, and amplify downside given the firm's history of volatile earnings.
Money Forward News
3994 FAQ
What was Money Forward, Inc.’s price range in the past 12 months?
Money Forward, Inc. lowest stock price was ¥2750.50 and its highest was ¥6794.00 in the past 12 months.
What is Money Forward, Inc.’s market cap?
Money Forward, Inc.’s market cap is ¥197.82B.
When is Money Forward, Inc.’s upcoming earnings report date?
Money Forward, Inc.’s upcoming earnings report date is Apr 14, 2026 which is in 18 days.
How were Money Forward, Inc.’s earnings last quarter?
Money Forward, Inc. released its earnings results on Jan 14, 2026. The company reported ¥90.21 earnings per share for the quarter, beating the consensus estimate of ¥77.483 by ¥12.727.
Is Money Forward, Inc. overvalued?
According to Wall Street analysts Money Forward, Inc.’s price is currently Overvalued.
Does Money Forward, Inc. pay dividends?
Money Forward, Inc. does not currently pay dividends.
What is Money Forward, Inc.’s EPS estimate?
Money Forward, Inc.’s EPS estimate is 12.71.
How many shares outstanding does Money Forward, Inc. have?
Money Forward, Inc. has 55,540,380 shares outstanding.
What happened to Money Forward, Inc.’s price movement after its last earnings report?
Money Forward, Inc. reported an EPS of ¥90.21 in its last earnings report, beating expectations of ¥77.483. Following the earnings report the stock price went down -1.613%.
Which hedge fund is a major shareholder of Money Forward, Inc.?
Currently, no hedge funds are holding shares in JP:3994
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Money Forward, Inc.
Money Forward, Inc. provides money-related services for individuals and corporations. It offers Money Forward ME, an automatic household account book service; MONEY PLUS for enhancing readers' money literacy and foster awareness of money; Money Forward Mall, a web portal and platform for comparing and applying for financial services, such as credit cards and securities accounts; mirai talk, a channel to resolve customers financial concerns; and Tock pop, an application specialized in coupon information. The company also provides Money Forward Cloud Accounting, a cloud accounting software; Money Forward Cloud Final Report, a cloud-type final tax return software; Money Forward Cloud Invoice, an invoice creation software; Money Forward Cloud Salary, a salary calculation software; Money Forward Cloud Attendance, a time management service for companies; Money Forward Cloud My Number, a my number management system; Money Forward Cloud Expenses, a cloud-type expense reimbursement system; and Money Forward Cloud Fundraising, a service that provides money forward cloud data to financial institutions. In addition, it offers STREAMED, a software specialized in automating accounting bookkeeping; Manageboard, a cloud service that allows to conduct business analysis by importing accounting software data; MF KESSAI, an inter-company postpaid settlement service; BALES, an inside sales outsourcing and consulting service; BALES CLOUD, a cloud-based inside sales management system; BOXIL that provides various information on prices, specifications, and word-of-mouth reviews of various Software-as-a-Service; and Money Forward X, a group that works with various client issues to create services. The company was formerly known as Moneybook Co. and changed its name to Money Forward, Inc. in December 2012. Money Forward, Inc. was founded in 2012 and is headquartered in Tokyo, Japan.
Technical Analysis
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Options Prices
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