Riskmonster.Com (3768) AI Stock Analysis

• Market Cap: ¥3.82B
• Dividend Yield: 3.02%
• Average Volume (3M): 5.94K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.26
• Revenue Growth: 3.25%
• EPS Growth: -114.05%
• Country: JP
• Employees: 202
• Sector: Industrials
• Sector Strength: 70
• Industry: Consulting Services
• EPS (TTM): 5.83
• Shares Outstanding: 7,636,922
• 10 Day Avg. Volume: 5,060
• 30 Day Avg. Volume: 5,940
• 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: ¥526.00
• Price Target Upside: 5.20% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 61 Neutral
• Price Target: ¥526.00 ▲(5.20% Upside)

The overall stock score of 60.5 reflects a mix of strengths and challenges. The company's strong balance sheet and positive technical indicators are significant positives. However, the negative P/E ratio and recent declines in profitability weigh heavily on the score. The attractive dividend yield provides some offsetting benefit.

Positive Factors

Strong Balance Sheet

A strong balance sheet with low leverage provides financial stability and flexibility, allowing the company to invest in growth opportunities and weather economic downturns.

Gross Profit Margin

A strong gross profit margin indicates effective cost management and pricing power, supporting long-term profitability and competitive positioning in the market.

Subscription-Based Revenue

Subscription-based revenue provides a stable and predictable income stream, enhancing financial planning and reducing vulnerability to market fluctuations.

Negative Factors

Declining Profitability

Declining profitability and inconsistent cash flow growth can strain resources, limiting the ability to invest in new opportunities and potentially impacting long-term growth.

Negative Return on Equity

A negative return on equity indicates inefficiencies in generating profits from shareholders' investments, which can deter future investment and affect growth potential.

Inconsistent Revenue Growth

Inconsistent revenue growth can signal challenges in market expansion or product adoption, potentially affecting the company's ability to scale and compete effectively.

Riskmonster.Com Business Overview & Revenue Model

Company Description

Riskmonster.Com (3768) is a Japanese company specializing in providing credit management services, business risk management solutions, and data analysis services to enterprises. The company operates primarily in the financial and business services sectors, offering a range of products that include credit scoring systems, risk management consulting, and financial data analytics tools designed to help businesses make informed decisions regarding credit and risk assessment.

How the Company Makes Money

Riskmonster.Com generates revenue primarily through subscription-based services and consulting fees. Its key revenue streams include subscription fees for its credit scoring and risk management platforms, which businesses use to assess and manage credit risks associated with their clients and partners. Additionally, the company earns revenue from consulting services, where it provides tailored risk management strategies and solutions to enterprises. Significant partnerships with financial institutions and corporations also contribute to its earnings by expanding its client base and enhancing its service offerings. The company leverages its proprietary data and analytics to offer value-added services that help businesses mitigate financial risks and optimize their decision-making processes.

Riskmonster.Com Financial Statement Overview

Summary

Riskmonster.Com exhibits a strong balance sheet with low leverage, which is a positive indicator of financial health. However, recent declines in profitability, such as a negative net profit margin and inconsistent revenue and free cash flow growth, indicate potential risks.

Income Statement

The income statement shows some fluctuations with a recent decline in net income leading to a negative net profit margin of -1.33% for 2025. Gross profit margin remains strong at 45.63%. However, revenue growth has been inconsistent, with a slight increase of 1.68% from 2024 to 2025. The company has managed its EBIT and EBITDA margins relatively well, despite recent challenges.

Balance Sheet

The balance sheet remains solid with a strong equity base, evidenced by an equity ratio of 82.45% for 2025. The debt-to-equity ratio is low at 0.06, indicating low leverage and financial stability. However, the return on equity has turned negative due to recent net losses, posing a risk to profitability.

Cash Flow

Cash flow analysis reveals variability, with a significant drop in operating cash flow over the last year. Free cash flow turned positive in 2025, but growth is inconsistent. The operating cash flow to net income ratio is impacted by recent net income declines, suggesting potential cash flow challenges amidst profitability issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.73B	3.73B	3.67B	3.74B	3.75B	3.55B
Gross Profit	1.70B	1.70B	1.75B	1.97B	2.01B	2.01B
EBITDA	1.94B	777.30M	963.10M	1.07B	1.12B	1.01B
Net Income	-48.96M	-49.60M	160.94M	360.37M	459.08M	437.87M
Balance Sheet
Total Assets	7.14B	7.14B	6.79B	6.68B	6.94B	6.66B
Cash, Cash Equivalents and Short-Term Investments	1.23B	1.23B	1.72B	2.00B	2.15B	2.54B
Total Debt	365.24M	365.24M	56.20M	115.59M	158.50M	219.50M
Total Liabilities	1.16B	1.16B	763.70M	831.57M	1.05B	1.26B
Stockholders Equity	5.89B	5.89B	5.95B	5.79B	5.84B	5.35B
Cash Flow
Free Cash Flow	0.00	196.76M	-130.56M	56.50M	-204.78M	560.76M
Operating Cash Flow	0.00	226.01M	812.43M	916.94M	651.47M	1.05B
Investing Cash Flow	0.00	-1.02B	-713.81M	-790.03M	-793.44M	-441.79M
Financing Cash Flow	0.00	199.67M	-278.13M	-272.90M	-248.79M	-136.93M

Riskmonster.Com Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 500.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3768, the sentiment is Neutral. The current price of 500 is below the 20-day moving average (MA) of 500.40, above the 50-day MA of 497.40, and above the 200-day MA of 438.74, indicating a neutral trend. The MACD of 1.01 indicates Positive momentum. The RSI at 51.27 is Neutral, neither overbought nor oversold. The STOCH value of 83.33 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:3768.

Riskmonster.Com Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7039	76 Outperform	¥7.40B	10.00		3.07%	11.81%	13.05%
9237	73 Outperform	¥5.66B	47.04		―	54.00%	6.84%
6578	70 Outperform	¥2.53B	14.64		2.61%	82.83%	―
6560	65 Neutral	¥9.08B	10.62		1.52%	16.18%	68.41%
7034	65 Neutral	¥8.52B	35.49		―	125.74%	-109.66%
Sector *	63 Neutral	$10.84B	15.52	7.44%	2.00%	2.86%	-14.57%
3768	61 Neutral	¥3.82B	―		3.02%	3.25%	-114.05%

Riskmonster.Com Corporate Events

Riskmonster.com Reports Financial Results and Positive Outlook for 2026

Riskmonster.com reported its consolidated financial results for the fiscal year ending March 31, 2025, showing a slight increase in net sales by 1.7% to 3,728 million yen, despite a decrease in operating profit by 12.3% and a net loss attributable to owners of the parent. The company anticipates a positive outlook for the next fiscal year with projected increases in net sales and profits, indicating potential recovery and growth in its operations.