MFS,Inc. (196A) AI Stock Analysis

• Market Cap: ¥2.51B
• Dividend Yield: N/A
• Average Volume (3M): 76.39K
• Price to Earnings (P/E): 15.5
• Beta (1Y): 0.15
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: JP
• Employees: 58
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): N/A
• Shares Outstanding: 9,179,300
• 10 Day Avg. Volume: 43,040
• 30 Day Avg. Volume: 76,386
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 54 Neutral
• Price Target: ¥470.00 ▲(61.51% Upside)

The overall stock score is primarily influenced by the company's strong revenue growth and solid equity position, which are positive indicators. However, significant challenges with profitability, cash flow generation, and bearish technical indicators weigh down the score. The high P/E ratio further suggests overvaluation, contributing to a cautious outlook.

MFS,Inc. Business Overview & Revenue Model

Company Description

MFS, Inc. provides online mortgage loan services. It also offers real estate investment loan services. The company was incorporated in 2009 and is headquartered in Tokyo, Japan.

How the Company Makes Money

MFS, Inc. generates revenue through multiple streams, primarily from service contracts and project-based consulting fees. The company works with various industries, providing customized software solutions and consulting services that address specific client needs. Key revenue streams include long-term service agreements with corporate clients, one-time project fees for software development, and ongoing maintenance and support contracts. Additionally, MFS has established strategic partnerships with major technology providers, allowing them to leverage these relationships for co-development opportunities and access to new markets, which further enhances their earnings potential.

MFS,Inc. Financial Statement Overview

Summary

MFS, Inc. demonstrates robust revenue growth and a strong equity position, which are positive indicators of potential future stability. However, the company faces significant challenges with profitability and cash flow generation, which could pose risks if not addressed. The low leverage provides some financial flexibility, but sustained losses may impact long-term viability.

Income Statement

MFS, Inc. has shown a strong revenue growth rate of 17.5% from 2023 to 2024, indicating a positive trajectory. However, the company is struggling with profitability, as evidenced by negative EBIT and net profit margins. The gross profit margin remains high at 81.8%, which is a positive indicator of operational efficiency despite the net losses.

Balance Sheet

The balance sheet of MFS, Inc. reflects a solid equity position with an equity ratio of 85.1%, indicating strong financial stability. The debt-to-equity ratio is low at 0.05, suggesting minimal leverage and reduced financial risk. However, the company has consistently reported negative net income, impacting the return on equity, which remains negative.

Cash Flow

The cash flow statement reveals challenges with cash generation, as the company reported negative free cash flow growth. The operating cash flow to net income ratio is negative, indicating inefficiencies in converting income into cash. Despite these challenges, the company has managed to maintain positive financing cash flow, reflecting successful capital raising efforts.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022
Income Statement
Total Revenue	2.43B	2.92B	1.89B	1.61B	843.69M
Gross Profit	2.08B	2.17B	1.55B	1.19B	558.91M
EBITDA	140.89M	225.47M	-110.61M	-132.48M	-521.71M
Net Income	67.84M	160.15M	-121.57M	-149.69M	-555.52M
Balance Sheet
Total Assets	2.53B	2.54B	2.42B	1.94B	925.95M
Cash, Cash Equivalents and Short-Term Investments	1.76B	1.82B	1.98B	1.58B	495.63M
Total Debt	0.00	0.00	108.33M	532.00M	350.00M
Total Liabilities	332.06M	306.70M	360.17M	755.49M	457.02M
Stockholders Equity	2.19B	2.23B	2.06B	1.19B	468.93M
Cash Flow
Free Cash Flow	0.00	111.19M	-157.05M	29.33M	-826.76M
Operating Cash Flow	0.00	116.80M	-70.84M	62.19M	-824.88M
Investing Cash Flow	0.00	-256.56M	-91.32M	-130.72M	102.50M
Financing Cash Flow	0.00	-115.56M	556.36M	1.05B	200.00M

MFS,Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 291.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:196A, the sentiment is Negative. The current price of 291 is below the 20-day moving average (MA) of 297.20, below the 50-day MA of 319.30, and below the 200-day MA of 409.50, indicating a bearish trend. The MACD of -11.16 indicates Negative momentum. The RSI at 28.60 is Positive, neither overbought nor oversold. The STOCH value of 13.14 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:196A.

MFS,Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7192	―	¥6.50B	6.26	―	4.52%	7.53%	27.27%
8772	―	¥27.34B	8.35	―	2.48%	14.16%	-2.14%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7163	―	―	―	―	―	23.73%	12.39%
7196	―	¥7.45B	6.28	―	4.46%	6.40%	1079.97%
7198	―	¥35.06B	21.23	―	4.99%	4.72%	-12.08%
196A	―	¥2.51B	15.47	―	―	―	―