Information Planning Co., Ltd. (JP:3712)
:3712
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Information Planning Co., Ltd.
(3712)
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Rating:74Outperform
Price Target:
¥1,185.00
▼(-81.34% Downside)
Action:Reiterated
Date:02/07/26
The score is primarily supported by strong financial performance, especially exceptional margins and a fortress balance sheet with minimal leverage. This is tempered by inconsistent cash flow conversion and a mixed-to-weak near-term technical picture (below key short-term moving averages). Valuation appears reasonable but not notably cheap based on the P/E and dividend yield.
Positive Factors
Profitability / Margins
Sustained high gross (~65%) and operating (~40%) margins reflect a software product mix with low incremental costs and recurring maintenance revenue. These durable margins support strong internal cash generation capacity, high returns on equity and provide a buffer through revenue volatility over the next several months.
Negative Factors
Volatile Cash Conversion
Periods where operating cash flow lags net income and marked free cash flow volatility reduce predictability of internally generated funds. Over a multi-month horizon this constrains reliable funding for capex, acquisitions or dividends and raises the risk that earnings quality is affected by working-capital swings.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability / Margins
Sustained high gross (~65%) and operating (~40%) margins reflect a software product mix with low incremental costs and recurring maintenance revenue. These durable margins support strong internal cash generation capacity, high returns on equity and provide a buffer through revenue volatility over the next several months.
Read all positive factors
Information Planning Co., Ltd. (3712) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥20.44B
Dividend Yield1.81%
Average Volume (3M)1.68K
Price to Earnings (P/E)14.5
Beta (1Y)0.31
Revenue Growth8.44%
EPS Growth9.12%
CountryJP
Employees142
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)71.24
Shares Outstanding20,450,000
10 Day Avg. Volume1,110
30 Day Avg. Volume1,680
Financial Highlights & Ratios
PEG Ratio2.79
Price to Book (P/B)2.76
Price to Sales (P/S)4.99
P/FCF Ratio42.78
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 rea...
How the Company Makes Money
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Information Planning Co., Ltd. Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
92
Very Positive
Cash Flow
70
Positive
| Breakdown | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 3.84B | 3.61B | 3.53B | 3.23B | 3.15B |
| Gross Profit | 2.51B | 2.41B | 2.33B | 2.02B | 1.95B |
| EBITDA | 1.66B | 1.55B | 1.49B | 1.31B | 1.32B |
| Net Income | 1.08B | 1.01B | 964.22M | 862.12M | 868.67M |
Balance Sheet | |||||
| Total Assets | 8.42B | 7.52B | 6.72B | 7.14B | 6.42B |
| Cash, Cash Equivalents and Short-Term Investments | 2.85B | 2.72B | 2.66B | 3.26B | 2.46B |
| Total Debt | 0.00 | 0.00 | 0.00 | 78.23M | 0.00 |
| Total Liabilities | 1.46B | 1.31B | 1.23B | 1.48B | 1.33B |
| Stockholders Equity | 6.95B | 6.21B | 5.50B | 5.66B | 5.09B |
Cash Flow | |||||
| Free Cash Flow | 448.31M | 340.56M | 626.82M | 1.15B | 771.65M |
| Operating Cash Flow | 1.15B | 1.21B | 680.53M | 1.18B | 806.18M |
| Investing Cash Flow | -684.34M | -839.94M | -92.81M | -73.02M | -98.22M |
| Financing Cash Flow | -332.91M | -302.43M | -1.21B | -301.83M | -267.66M |
Information Planning Co., Ltd. Technical Analysis
Negative
6350.00
Price Trends
1075.92
Negative
1142.55
Negative
1151.21
Negative
Market Momentum
-5.11
Negative
47.58
Neutral
72.30
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3712, the sentiment is Negative. The current price of 6350 is above the 20-day moving average (MA) of 1071.35, above the 50-day MA of 1075.92, and above the 200-day MA of 1151.21, indicating a bearish trend. The MACD of -5.11 indicates Negative momentum. The RSI at 47.58 is Neutral, neither overbought nor oversold. The STOCH value of 72.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:3712.
Information Planning Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥18.10B | 30.80 | ― | 3.14% | -3.85% | -17.22% | |
74 Outperform | ¥20.44B | 14.48 | ― | 1.81% | 8.44% | 9.12% | |
71 Outperform | ¥30.09B | 29.25 | ― | 0.82% | 6.86% | 37.45% | |
69 Neutral | ¥17.61B | 9.72 | ― | 2.40% | 15.12% | 40.67% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
58 Neutral | ¥11.81B | 23.59 | ― | ― | 12.68% | ― |
* Technology Sector Average
JP:3712
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Information Planning Co., Ltd. Corporate Events
Information Planning Delivers Double-Digit Profit Growth and Bolsters Capital Base
May 8, 2026
Information Planning Co., Ltd. reported solid growth for the second quarter of the fiscal year ending September 30, 2026, with net sales rising 14.5% year on year to ¥2,193 million and operating profit increasing 14.8% to ¥911 million. P...
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.