Riskmonster.Com (3768) AI Stock Analysis

• Market Cap: ¥3.88B
• Dividend Yield: 2.93%
• Average Volume (3M): 6.07K
• Price to Earnings (P/E): 3.0
• Beta (1Y): 0.29
• Revenue Growth: 1.61%
• EPS Growth: N/A
• Country: JP
• Employees: 202
• Sector: Industrials
• Sector Strength: 72
• Industry: Consulting Services
• EPS (TTM): 11.17
• Shares Outstanding: 7,636,922
• 10 Day Avg. Volume: 5,870
• 30 Day Avg. Volume: 6,073
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 55 Neutral
• Price Target: ¥516.00 ▲(3.20% Upside)

The overall stock score is primarily influenced by the company's strong balance sheet and low leverage, which are positive indicators of financial health. However, recent declines in profitability and inconsistent cash flow growth present significant risks. The technical analysis suggests a lack of strong momentum, and the negative P/E ratio highlights valuation concerns, although the dividend yield provides some compensation.

Positive Factors

Strong Balance Sheet

A strong balance sheet with low leverage enhances financial stability, providing flexibility for strategic investments and resilience against economic downturns.

Subscription-Based Revenue Model

A subscription-based model ensures recurring revenue, contributing to predictable cash flows and long-term customer relationships, which can drive sustainable growth.

High Gross Profit Margin

A high gross profit margin indicates efficient cost management and pricing power, supporting profitability and the ability to reinvest in business growth.

Negative Factors

Decline in Profitability

Declining profitability can strain financial resources, limiting the company's ability to invest in growth initiatives and potentially impacting long-term competitiveness.

Negative Net Profit Margin

A negative net profit margin reflects challenges in converting revenue into profit, which can affect the company's ability to generate shareholder value and fund operations.

Inconsistent Cash Flow Growth

Inconsistent cash flow growth can hinder the company's ability to manage operations effectively, invest in new opportunities, and meet financial obligations consistently.

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: Positive
• Last Price: 500.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 Positive. The current price of 500 is below the 20-day moving average (MA) of 511.75, below the 50-day MA of 509.46, and above the 200-day MA of 489.64, indicating a bullish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 52.05 is Neutral, neither overbought nor oversold. The STOCH value of 83.50 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	¥7.74B	11.17	―	2.94%	8.00%	3.22%
6578	76 Outperform	¥2.78B	413.97	―	2.07%	49.99%	142.46%
6560	73 Outperform	¥10.40B	13.68	―	1.34%	5.97%	-5.60%
7034	71 Outperform	¥6.71B	32.15	―	―	283.85%	-35.61%
9237	70 Outperform	¥3.45B	39.76	―	―	43.89%	-50.27%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
3768	55 Neutral	¥3.88B	3.01	―	2.93%	1.61%	―

Riskmonster.Com Corporate Events

Riskmonster.com Reports Strong Financial Recovery for First Half of 2025

Riskmonster.com reported its consolidated financial results for the six months ending September 30, 2025, showing a slight increase in net sales and significant growth in operating and ordinary profit compared to the previous year. The company achieved a net sales increase of 2.1% to 1,890 million yen, with operating profit rising by 49.1% and ordinary profit by 51.1%. This positive performance indicates a strong recovery from the previous year’s losses, positioning Riskmonster.com favorably within the industry and potentially benefiting its stakeholders.