Information Planning Co., Ltd. (3712) AI Stock Analysis

• Market Cap: ¥20.90B
• Dividend Yield: 1.81%
• Average Volume (3M): 1.68K
• Price to Earnings (P/E): 17.5
• Beta (1Y): 0.42
• Revenue Growth: 6.39%
• EPS Growth: 6.38%
• Country: JP
• Employees: 142
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): 116.46
• Shares Outstanding: 4,090,000
• 10 Day Avg. Volume: 1,110
• 30 Day Avg. Volume: 1,680
• PEG Ratio: 0.00
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: ¥7,291.00 ▲(14.82% Upside)

The score is driven primarily by strong financial quality—excellent margins and a very conservative, low-leverage balance sheet—partly tempered by uneven cash-flow conversion. Technicals are supportive with an uptrend and positive MACD, though momentum looks somewhat stretched on stochastic. Valuation appears fair with a moderate dividend yield.

Positive Factors

Strong Profitability

High margins indicate efficient operations and strong pricing power, supporting long-term financial health and competitive positioning.

Conservative Balance Sheet

A low-leverage balance sheet enhances financial stability and flexibility, allowing for strategic investments and resilience in downturns.

Revenue Growth

Consistent revenue growth reflects strong market demand and successful product offerings, supporting long-term business expansion.

Negative Factors

Uneven Cash Flow Conversion

Inconsistent cash conversion can strain liquidity and limit investment capacity, posing risks to sustaining operations and growth.

Volatile Free Cash Flow

Volatility in free cash flow suggests potential challenges in managing working capital and reinvestment, affecting financial predictability.

Uneven Revenue Growth

Fluctuating revenue growth can indicate market or operational challenges, impacting long-term strategic planning and investor confidence.

Information Planning Co., Ltd. Business Overview & Revenue Model

Company Description

Information Planning CO., LTD. provides system consulting services primarily for financial institutions. It offers credit risk solutions, including comprehensive financial statement reading, financial analysis/loan decision support, collateral real estate evaluation management, corporate rating, sole proprietor rating, self-assessment support, credit risk qualification and asset calculation systems, as well as bad debt record rate calculation and receivable write-off reserve management systems. The company also provides loan-related and customer management solutions, such as loan approval support, contract create support, electronic contract, business evaluation support, management plan formulation support, sale support, sales branch support, and general approval support systems; and general affairs/accounting related solutions comprising fixed asset management, financial settlement support, investment management, expense payment administrative support systems. In addition, it engages in the real estate leasing and management activities; and provision of development, planning, and system data input agency services. Information Planning CO., LTD. was incorporated in 1986 and is headquartered in Tokyo, Japan.

How the Company Makes Money

Information Planning Co., Ltd. makes money primarily through its IT services and solutions. The company's revenue model includes income from contracts for custom software development and system integration projects, where businesses pay for tailored IT solutions. Additionally, the company generates revenue through long-term outsourcing agreements, providing ongoing IT support and services to clients. Consulting services also contribute to its earnings, with fees charged for expertise in IT strategy and implementation. Partnerships with technology vendors may also enhance the company's offerings, potentially leading to additional revenue streams.

Information Planning Co., Ltd. Financial Statement Overview

Summary

Information Planning Co., Ltd. demonstrates strong financial health, with impressive revenue and profit margins in the software industry. Its balance sheet is robust, characterized by zero debt and high equity, supporting long-term stability. Cash flow metrics, while generally positive, indicate potential areas for improvement in cash management and capital allocation.

Income Statement

The company exhibits strong performance with consistent revenue growth, as shown by a positive revenue growth rate from previous years. The gross profit margin is robust, and both the net profit margin and EBIT margin indicate solid profitability. Consistent EBITDA growth further highlights efficient operations and cost management.

Balance Sheet

The balance sheet is strong with no debt, resulting in a favorable debt-to-equity ratio of zero. The equity ratio is high, indicating substantial stockholder equity relative to total assets. Return on equity is healthy, showcasing the company's ability to generate income from its equity base. The company's financial stability is underscored by its high cash reserves.

Cash Flow

While the company shows positive free cash flow and operating cash flows, the growth rate of free cash flow is mixed due to significant capital expenditures in certain periods. The operating cash flow to net income ratio suggests efficient cash generation from operations, though capital allocations warrant monitoring.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.80B	3.84B	3.61B	3.53B	3.23B	3.15B
Gross Profit	2.55B	2.51B	2.41B	2.33B	2.02B	1.95B
EBITDA	1.66B	1.66B	1.55B	1.49B	1.31B	1.32B
Net Income	1.08B	1.08B	1.01B	964.22M	862.12M	868.67M
Balance Sheet
Total Assets	7.83B	8.42B	7.52B	6.72B	7.14B	6.42B
Cash, Cash Equivalents and Short-Term Investments	2.83B	2.85B	2.72B	2.66B	3.26B	2.46B
Total Debt	0.00	0.00	0.00	0.00	78.23M	0.00
Total Liabilities	1.24B	1.46B	1.31B	1.23B	1.48B	1.33B
Stockholders Equity	6.60B	6.95B	6.21B	5.50B	5.66B	5.09B
Cash Flow
Free Cash Flow	0.00	448.31M	340.56M	626.82M	1.15B	771.65M
Operating Cash Flow	0.00	1.15B	1.21B	680.53M	1.18B	806.18M
Investing Cash Flow	0.00	-684.34M	-839.94M	-92.81M	-73.02M	-98.22M
Financing Cash Flow	0.00	-332.91M	-302.43M	-1.21B	-301.83M	-267.66M

Information Planning Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 6350.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3712, the sentiment is Neutral. The current price of 6350 is above the 20-day moving average (MA) of 6291.50, above the 50-day MA of 6024.60, and above the 200-day MA of 5519.75, indicating a neutral trend. The MACD of 61.85 indicates Positive momentum. The RSI at 49.83 is Neutral, neither overbought nor oversold. The STOCH value of 24.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:3712.

Information Planning Co., Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
3712	80 Outperform	¥20.90B	17.52	―	1.81%	6.39%	6.38%
9702	78 Outperform	¥20.31B	14.20	―	3.01%	9.84%	-19.96%
4299	76 Outperform	¥15.39B	12.69	―	3.56%	3.96%	-3.68%
3800	71 Outperform	¥14.14B	19.10	―	3.62%	0.85%	12.73%
2307	70 Outperform	¥16.41B	10.79	―	3.14%	3.58%	0.23%
5588	66 Neutral	¥12.11B	24.88	―	0.12%	37.21%	129.72%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

Information Planning Co., Ltd. Corporate Events

Information Planning Co., Ltd. Reports Strong Financial Performance for FY 2025

Information Planning Co., Ltd. reported a solid financial performance for the fiscal year ending September 2025, with net sales increasing by 6.4% to 3,843 million yen and operating profit rising by 7.6% to 1,536 million yen. The company’s strong financial position is highlighted by a capital adequacy ratio of 82.6% and a slight increase in cash and equivalents at the end of the period, indicating robust operational efficiency and stability.