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GENERATION PASS CO. LTD. (JP:3195)
:3195
Japanese Market
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GENERATION PASS CO. LTD. (3195) AI Stock Analysis

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JP:3195

GENERATION PASS CO. LTD.

(3195)

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Neutral 55 (OpenAI - 4o)
Rating:55Neutral
Price Target:
¥472.00
▲(19.80% Upside)
The overall stock score is primarily influenced by financial performance and technical analysis. While the company shows revenue growth and stable financials, profitability challenges and negative valuation metrics weigh heavily on the score. Technical indicators suggest a lack of strong momentum, further impacting the stock's attractiveness.

GENERATION PASS CO. LTD. (3195) vs. iShares MSCI Japan ETF (EWJ)

GENERATION PASS CO. LTD. Business Overview & Revenue Model

Company DescriptionGENERATION PASS CO. LTD. (3195) is a leading provider of digital payment solutions and loyalty programs in the retail and service sectors. The company specializes in developing innovative technologies that enhance customer engagement and streamline transaction processes for businesses. Its core offerings include a range of mobile wallet services, loyalty card systems, and integrated payment processing solutions designed to meet the evolving needs of consumers and merchants alike.
How the Company Makes MoneyGENERATION PASS CO. LTD. generates revenue primarily through transaction fees charged to businesses for processing payments made via its platform. Additionally, the company earns income from subscription fees for premium features of its loyalty programs and mobile wallet services. Significant partnerships with retail chains and service providers enhance its market reach and customer base, thereby driving user engagement and transaction volumes. Furthermore, the company may also explore revenue opportunities through data analytics services, offering insights derived from transaction data to help businesses optimize their operations and marketing strategies.

GENERATION PASS CO. LTD. Financial Statement Overview

Summary
The company exhibits positive revenue growth, but profitability is a concern with consistent net losses. The balance sheet is stable with a solid equity ratio and manageable leverage. Cash flow management is improving, but negative net income affects overall cash flow health.
Income Statement
60
Neutral
The company has shown a modest revenue growth of 7.16% from the previous year. However, the net profit margin is negative due to a net loss. The gross profit margin stands at 26.27%, indicating moderate profitability at the gross level. EBIT margin is very low at 0.50%, reflecting challenges in operational efficiency. Overall, the income statement shows growth but with profitability challenges.
Balance Sheet
70
Positive
The company maintains a solid equity ratio of 39.09%, suggesting a stable financial base. The debt-to-equity ratio is 0.54, indicating a moderate level of leverage which is manageable. However, the negative return on equity highlights profitability issues, as net losses have been recorded. The balance sheet reflects stability but with profitability concerns.
Cash Flow
65
Positive
Free cash flow has increased significantly, reflecting improved cash generation capabilities. The operating cash flow to net income ratio is positive, indicating effective cash flow management despite net losses. However, the free cash flow to net income ratio is negative due to the negative net income, which is a concern for long-term sustainability.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue16.36B16.24B15.15B15.98B13.22B12.60B
Gross Profit4.26B4.27B4.02B4.05B3.67B3.42B
EBITDA55.66M24.20M168.82M487.51M72.45M294.92M
Net Income-40.20M-138.79M-23.33M343.68M-90.04M112.22M
Balance Sheet
Total Assets4.70B4.52B4.42B4.64B3.60B3.71B
Cash, Cash Equivalents and Short-Term Investments943.17M1.25B1.10B1.35B792.18M1.27B
Total Debt1.08B959.19M919.65M1.02B609.48M633.23M
Total Liabilities2.86B2.75B2.51B2.64B1.94B1.98B
Stockholders Equity1.83B1.77B1.88B1.98B1.65B1.72B
Cash Flow
Free Cash Flow0.00183.40M36.15M88.99M-501.27M637.69M
Operating Cash Flow0.00261.26M119.28M177.51M-432.32M764.89M
Investing Cash Flow0.0078.48M-319.92M-87.34M-71.09M-111.91M
Financing Cash Flow0.0010.32M-236.98M401.08M-23.75M56.85M

GENERATION PASS CO. LTD. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price394.00
Price Trends
50DMA
479.88
Negative
100DMA
438.66
Negative
200DMA
411.89
Negative
Market Momentum
MACD
-18.71
Positive
RSI
33.48
Neutral
STOCH
17.19
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3195, the sentiment is Negative. The current price of 394 is below the 20-day moving average (MA) of 446.35, below the 50-day MA of 479.88, and below the 200-day MA of 411.89, indicating a bearish trend. The MACD of -18.71 indicates Positive momentum. The RSI at 33.48 is Neutral, neither overbought nor oversold. The STOCH value of 17.19 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:3195.

GENERATION PASS CO. LTD. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
¥3.08B6.823.73%5.53%9.08%
77
Outperform
¥3.31B53.651.53%1.26%-74.85%
77
Outperform
¥3.41B11.081.08%24.10%-15.55%
71
Outperform
¥1.72B3.300.06%
61
Neutral
$18.38B12.79-2.54%3.03%1.52%-15.83%
55
Neutral
¥3.20B5.54%-512.01%
52
Neutral
¥4.24B-3.81%39.21%
* Consumer Cyclical Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:3195
GENERATION PASS CO. LTD.
394.00
151.00
62.14%
JP:3138
Fujisan Magazine Service Co., Ltd.
1,044.00
389.70
59.56%
JP:3177
Arigatou Services Co., Ltd.
3,350.00
73.82
2.25%
JP:3181
KAITORI OKOKU CO., LTD.
926.00
250.77
37.14%
JP:3185
Dream Vision Co., Ltd.
231.00
109.00
89.34%
JP:3192
Shirohato Co., Ltd.
259.00
-2.00
-0.77%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 01, 2025