High Revenue GrowthSustained ~43% top-line growth indicates durable demand for Finatext's fintech platforms and expanding commercial traction with financial institutions. High revenue expansion supports scale, product investment and market share gains, strengthening the business model over the next 2–6 months.

High Gross Margin And Return To ProfitabilityA 66.6% gross margin and positive 8.6% net margin reflect a scalable software/platform economics and improving cost control. Structural margin strength supports reinvestment in R&D and client onboarding while increasing resilience to cyclical pressures and aiding sustainable profit conversion.

Low Financial Leverage And Solid Equity BaseLow debt-to-equity (0.18) and a near-48% equity ratio provide financial flexibility to fund growth or absorb temporary cash shortfalls. This conservative capital structure reduces solvency risk and supports multi-quarter strategic initiatives without excessive refinancing pressure.

Bears Say

Persistent Negative Operating And Free Cash FlowDespite accounting profitability, continued negative operating cash flow (-945m yen) and negative free cash flow signal the company struggles to convert earnings into cash. This undermines long-term funding of operations, increases reliance on external financing and raises liquidity risk over several quarters.

Volatile Historical EBIT/EBITDA MarginsDocumented volatility in EBIT and EBITDA margins reduces predictability of operating performance and cash generation. Margin swings complicate budgeting, weaken confidence in sustainable profitability, and can amplify capital allocation mistakes during expansion phases over the medium term.

Balance Sheet Fluctuations In Assets/liabilitiesObserved swings in total assets and liabilities point to working-capital or accounting variability (receivables, payables, deferred revenue). Such balance-sheet volatility can strain liquidity management, exacerbate cash-flow shortfalls, and increase execution risk while scaling commercial operations.

Finatext Holdings Ltd. News

Finatext Rides Strong Q3 Growth Toward Aggressive FY2025 Targets

The latest announcement is out from Finatext Holdings Ltd. ( ($JP:4419) ). Finatext Holdings Ltd. reported third-quarter fiscal...

10d ago

4419

Finatext Holdings Reports Robust Q2 Revenue Growth

Finatext Holdings Ltd. (JP:4419) has released an update. Finatext Holdings Ltd. reported a remarkable 65% year-over-year revenue increase...

1y ago

4419

4419 FAQ

What was Finatext Holdings Ltd.’s price range in the past 12 months?

Finatext Holdings Ltd. lowest stock price was ¥679.00 and its highest was ¥1492.00 in the past 12 months.

What is Finatext Holdings Ltd.’s market cap?

Finatext Holdings Ltd.’s market cap is ¥44.63B.

When is Finatext Holdings Ltd.’s upcoming earnings report date?

Finatext Holdings Ltd.’s upcoming earnings report date is May 08, 2026 which is in 78 days.

How were Finatext Holdings Ltd.’s earnings last quarter?

Finatext Holdings Ltd. released its earnings results on Feb 10, 2026. The company reported ¥5.54 earnings per share for the quarter, beating the consensus estimate of N/A by ¥5.54.

Is Finatext Holdings Ltd. overvalued?

According to Wall Street analysts Finatext Holdings Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Finatext Holdings Ltd. pay dividends?

Finatext Holdings Ltd. does not currently pay dividends.

What is Finatext Holdings Ltd.’s EPS estimate?

Finatext Holdings Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Finatext Holdings Ltd. have?

Finatext Holdings Ltd. has 51,898,340 shares outstanding.

What happened to Finatext Holdings Ltd.’s price movement after its last earnings report?

Finatext Holdings Ltd. reported an EPS of ¥5.54 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 6.502%.

Which hedge fund is a major shareholder of Finatext Holdings Ltd.?

Currently, no hedge funds are holding shares in JP:4419

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

Finatext Holdings Ltd.

Finatext Holdings Ltd. engages in the fintech solution, big data analysis, and financial infrastructure businesses in Japan. The company provides Cloud-native and API based financial infrastructure that offers BaaS for wealth management providers and Inspire for insurance providers; alternative data services for institutional investors and governments. It also develops front-end applications and provides off-the-shelf technology solutions to financial institutions. Finatext Holdings Ltd. was incorporated in 2013 and is headquartered in Tokyo, Japan.