Riskmonster.Com (3768) AI Stock Analysis

• Market Cap: ¥3.83B
• Dividend Yield: 2.97%
• Average Volume (3M): 5.88K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.24
• Revenue Growth: 3.25%
• EPS Growth: -114.05%
• Country: JP
• Employees: 202
• Sector: Industrials
• Sector Strength: 72
• Industry: Consulting Services
• EPS (TTM): 5.83
• Shares Outstanding: 7,636,922
• 10 Day Avg. Volume: 1,990
• 30 Day Avg. Volume: 5,876
• PEG Ratio: 0.50
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 0.87
• P/FCF Ratio: 16.47
• 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

• Rating: 56 Neutral
• Price Target: ¥520.00 ▲(4.00% Upside)

The company's strong balance sheet and low leverage are positive indicators, but recent profitability declines and inconsistent cash flow growth pose risks. Technical indicators show weak momentum, and the negative P/E ratio suggests potential overvaluation despite a decent dividend yield.

Riskmonster.Com Business Overview & Revenue Model

Company Description

Riskmonster.com (3768) is a technology-driven company specializing in risk management and assessment solutions. Operating primarily in the financial services sector, Riskmonster.com offers a suite of products designed to help businesses identify, evaluate, and mitigate various types of risks, including credit, operational, and market risks. The company leverages advanced analytics and machine learning to provide actionable insights and tools that enhance decision-making processes for its clients, which range from small enterprises to large corporations.

How the Company Makes Money

Riskmonster.com generates revenue through multiple channels, primarily by offering subscription-based access to its risk management software and tools. Clients pay recurring fees for different tiers of service, which may include advanced features, analytics capabilities, and personalized support. Additionally, the company earns revenue from consulting services, where experts provide tailored risk assessment and management strategies for specific client needs. Partnerships with financial institutions and other enterprises also contribute to its earnings, as these collaborations often involve joint offerings or integrations that enhance the value proposition of Riskmonster's services.

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 and inconsistent revenue and free cash flow growth indicate potential risks. A focus on stabilizing income and strengthening cash flows would benefit future performance.

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	3.78B	3.73B	3.67B	3.74B	3.75B	3.55B
Gross Profit	1.73B	1.70B	1.75B	1.97B	2.01B	2.01B
EBITDA	1.98B	777.30M	963.10M	1.07B	1.12B	1.01B
Net Income	-7.41M	-49.60M	160.94M	360.37M	459.08M	437.87M
Balance Sheet
Total Assets	7.06B	7.14B	6.79B	6.68B	6.94B	6.66B
Cash, Cash Equivalents and Short-Term Investments	1.64B	1.23B	1.72B	2.00B	2.15B	2.54B
Total Debt	233.40M	365.24M	56.20M	115.59M	158.50M	219.50M
Total Liabilities	1.03B	1.16B	763.70M	831.57M	1.05B	1.26B
Stockholders Equity	5.94B	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: Negative
• 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:3768, the sentiment is Neutral. The current price of 500 is below the 20-day moving average (MA) of 509.15, below the 50-day MA of 504.10, and above the 200-day MA of 457.31, indicating a neutral trend. The MACD of -1.00 indicates Positive momentum. The RSI at 47.27 is Neutral, neither overbought nor oversold. The STOCH value of 51.59 is Neutral, 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	¥7.69B	10.34	―	2.95%	11.81%	13.05%
6560	73 Outperform	¥11.17B	12.80	―	1.26%	16.18%	68.41%
6578	70 Outperform	¥2.05B	306.65	―	2.81%	49.99%	142.46%
9237	66 Neutral	¥4.57B	37.67	―	―	54.00%	6.84%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
3768	56 Neutral	¥3.83B	―	―	2.97%	3.25%	-114.05%
7034	49 Neutral	¥6.30B	35.49	―	―	181.64%	-139.55%

Riskmonster.Com Corporate Events

Riskmonster.com Reports Strong Financial Growth in Q1 2025

Riskmonster.com reported a significant increase in its financial performance for the three months ended June 30, 2025, with net sales rising by 5.6% and operating profit surging by 358.9% compared to the same period last year. The company’s strong financial results indicate improved operational efficiency and a robust market position, which could positively impact stakeholders and enhance its competitive standing in the industry.