Balance Sheet StrengthA high equity ratio and very low leverage provide structural resilience for a lending business, reducing refinancing and solvency risk. Coupled with a strong ROE, this supports durable capital allocation, capacity to absorb loan losses, and long‑term reinvestment without heavy external funding.

Cash Generation CapabilityA clear turnaround to positive operating and free cash flow and an OCF-to-net-income >2 indicates the company converts earnings to cash efficiently. Sustainable cash generation supports lending growth, reserve building and funding stability, lowering reliance on capital markets over months.

Improved Profitability MetricsSubstantially higher revenue with healthy gross and improved net margins signals pricing power and scalable cost structure in core consumer finance operations. If sustained, these margins underpin durable earnings, stronger internal funding and resilience to adverse rate or demand shifts.

Bears Say

Negative Medium-term Revenue TrendA negative revenue growth metric points to inconsistent top‑line performance despite recent spikes. Persistent or recurring revenue declines would constrain loan book expansion and earnings scalability, pressuring capital allocation and making medium‑term growth targets harder to sustain.

Operating Margin PressureDeclining EBIT/EBITDA margins indicate rising operating costs or deteriorating efficiency. If margin compression persists, it will erode cash flow and return on capital, limiting ability to originate loans, invest in distribution, or build reserves, weakening structural profitability.

Historical Cash Flow And Balance VolatilityPast volatility in operating cash flow and reported fluctuations in equity/debt levels raise concerns about predictability of funding and provisioning needs. For a finance company, inconsistent cash generation increases refinancing and liquidity risk and complicates prudent, long‑term lending.

4393 FAQ

What was Bank of Innovation, Inc.’s price range in the past 12 months?

Bank of Innovation, Inc. lowest stock price was ¥5580.00 and its highest was ¥14450.00 in the past 12 months.

What is Bank of Innovation, Inc.’s market cap?

Bank of Innovation, Inc.’s market cap is ¥22.45B.

When is Bank of Innovation, Inc.’s upcoming earnings report date?

Bank of Innovation, Inc.’s upcoming earnings report date is May 08, 2026 which is in 80 days.

How were Bank of Innovation, Inc.’s earnings last quarter?

Bank of Innovation, Inc. released its earnings results on Feb 13, 2026. The company reported ¥80.17 earnings per share for the quarter, beating the consensus estimate of N/A by ¥80.17.

Is Bank of Innovation, Inc. overvalued?

According to Wall Street analysts Bank of Innovation, Inc.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Bank of Innovation, Inc. pay dividends?

Bank of Innovation, Inc. does not currently pay dividends.

What is Bank of Innovation, Inc.’s EPS estimate?

Bank of Innovation, Inc.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Bank of Innovation, Inc. have?

Bank of Innovation, Inc. has 4,003,000 shares outstanding.

What happened to Bank of Innovation, Inc.’s price movement after its last earnings report?

Bank of Innovation, Inc. reported an EPS of ¥80.17 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -5.41%.

Which hedge fund is a major shareholder of Bank of Innovation, Inc.?

Currently, no hedge funds are holding shares in JP:4393

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

Bank of Innovation, Inc.

Bank of Innovation,Inc. engages in the development and operation of smartphone games. Its game applications include Mitrasphere and Cryptotract. The company was incorporated in 2006 and is headquartered in Tokyo, Japan.