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

• Market Cap: ¥21.64B
• Dividend Yield: 1.81%
• Average Volume (3M): 1.68K
• Price to Earnings (P/E): 18.1
• Beta (1Y): 0.44
• 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: 2.79
• Price to Book (P/B): 2.76
• Price to Sales (P/S): 4.99
• P/FCF Ratio: 42.78
• 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

Strong profitability and balance-sheet strength support a high score (Income Statement 86; Balance Sheet 92). The main offset is less consistent cash generation (Cash Flow 70), with weaker recent cash conversion and more volatile free cash flow.

Income Statement

Revenue has grown steadily over time (from 3.04B in 2020 to 3.84B in 2025), with the latest annual growth accelerating versus 2024. Profitability is a key strength: gross margin remains very high (~65%) and operating profitability is exceptional with EBIT margin around ~40% and EBITDA margin ~43% in 2025, alongside a strong net margin (~28%). The main weakness is that growth has been uneven year-to-year (notably modest in 2024), even though margins stayed resilient.

Balance Sheet

The balance sheet is very conservative with effectively no debt in most years (and a very small amount in 2022), resulting in near-zero leverage and low financial risk. Equity has expanded meaningfully (about 4.49B in 2020 to 6.95B in 2025), supporting asset growth. Returns on equity are consistently solid (~15–18%), though slightly lower in 2025 versus prior peaks, suggesting profitability is strong but not accelerating at the same pace as equity growth.

Cash Flow

Operating cash flow is consistently positive and generally tracks earnings, but conversion is not uniform: operating cash flow was below net income in 2023 and 2025 (coverage under 1.0), indicating periods of weaker cash realization. Free cash flow is positive each year but volatile (e.g., very strong in 2021–2022, then materially lower in 2024–2025), and free cash flow as a share of net income is modest in the latest year (~39%), pointing to higher reinvestment needs or working-capital swings.

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: Positive
• Last Price: 6350.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 Positive. The current price of 6350 is below the 20-day moving average (MA) of 6399.00, above the 50-day MA of 6276.60, and above the 200-day MA of 5624.79, indicating a bullish trend. The MACD of 76.29 indicates Negative momentum. The RSI at 55.10 is Neutral, neither overbought nor oversold. The STOCH value of 67.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	¥21.64B	18.14	―	1.81%	6.39%	6.38%
9702	78 Outperform	¥20.79B	14.54	―	3.01%	9.84%	-19.96%
4299	76 Outperform	¥13.62B	12.91	―	3.56%	3.96%	-3.68%
3800	71 Outperform	¥14.19B	19.16	―	3.62%	0.85%	12.73%
2307	70 Outperform	¥15.82B	10.39	―	3.14%	3.58%	0.23%
5588	66 Neutral	¥11.33B	23.16	―	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.