Riskmonster.Com (3768) AI Stock Analysis

• Market Cap: ¥4.32B
• Dividend Yield: 2.93%
• Average Volume (3M): 6.07K
• Price to Earnings (P/E): 3.6
• Beta (1Y): 0.28
• Revenue Growth: 1.61%
• EPS Growth: N/A
• Country: JP
• Employees: 202
• Sector: Industrials
• Sector Strength: 72
• Industry: Consulting Services
• EPS (TTM): 6.68
• 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: ¥601.00 ▲(20.20% Upside)
• Action: Reiterated Date: 10/29/25
• Date: Action: Reiterated 10/29/25

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 / low leverage

An equity ratio of 82.45% and a debt-to-equity of 0.06 provide durable financial flexibility and low fixed financing costs. This capital structure supports resilience through downturns, enables funding of strategic initiatives or dividends without heavy new borrowing, and reduces insolvency risk over the medium term.

Healthy gross margins

A 45.63% gross margin indicates structural pricing power or high-value service mix typical of consulting firms. Sustained high gross margins create operating leverage capacity, allowing the company to absorb SG&A, improve operating profits as revenue stabilizes, and support margin recovery over several quarters.

Positive free cash flow in 2025

Free cash flow turning positive demonstrates the firm's ability to convert operations into discretionary cash despite variability. Positive FCF supports reinvestment, debt repayment, and dividend funding, improving long-term self-financing capacity and reducing reliance on external capital when maintained.

Negative Factors

Negative net profit margin

A -1.33% net margin reflects ongoing net losses that erode retained earnings and reduce capital available for reinvestment. Persisting negative profitability can strain long-term growth plans, limit funding for strategic projects, and necessitate cost or pricing actions to restore sustainable earnings power.

Inconsistent revenue & cash flow growth

Minimal revenue growth (1.68% y/y per the income summary) combined with variable operating cash flow and uneven FCF increases forecasting uncertainty. Structural inconsistency undermines reliable capital allocation, complicates scaling investments, and raises execution risk for multi-quarter strategic initiatives.

Negative return on equity

ROE turning negative signals shareholders' capital is not generating returns because of net losses. Over time this impairs investor confidence, constrains ability to raise equity on favorable terms, and pressures management to deliver operational fixes to rebuild sustainable returns.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
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: 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 Positive. The current price of 500 is below the 20-day moving average (MA) of 592.25, below the 50-day MA of 563.18, and below the 200-day MA of 517.88, indicating a neutral trend. The MACD of 1.88 indicates Positive momentum. The RSI at 53.25 is Neutral, neither overbought nor oversold. The STOCH value of 83.80 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
6035	78 Outperform	¥14.25B	16.50	―	2.91%	7.68%	39.87%
9644	72 Outperform	¥24.84B	23.09	―	3.50%	15.91%	36.39%
7033	71 Outperform	¥24.55B	13.23	―	2.18%	17.87%	5.31%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
6027	63 Neutral	¥55.89B	35.11	―	―	15.87%	60.75%
3768	55 Neutral	¥4.32B	3.61	―	2.93%	1.61%	―
4422	51 Neutral	¥2.75B	-196.09	―	―	-4.85%	-41.71%

Riskmonster.Com Corporate Events

Riskmonster.com Returns to Profit With Strong Margin Gains and Higher Dividend Outlook

Riskmonster.com reported modest revenue growth but sharply improved profitability for the nine months to December 31, 2025, with net sales inching up 1.3 percent to ¥2.85 billion while operating profit jumped 21.7 percent and ordinary profit rose 26.5 percent. The company swung from a heavy loss a year earlier to profit attributable to owners of parent of ¥178 million, lifting earnings per share to ¥23.68 and contributing to higher net assets and an equity ratio of 84.2 percent.

The firm kept its interim dividend at zero but is guiding for a full-year dividend of ¥16 per share, up from ¥15 in the prior year, signaling confidence in its balance sheet and earnings outlook. For the full year to March 31, 2026, Riskmonster.com forecasts net sales of ¥3.9 billion and operating profit growth of 43.9 percent, implying continued margin expansion and a more robust financial footing for shareholders.

The most recent analyst rating on (JP:3768) stock is a Hold with a Yen634.00 price target. To see the full list of analyst forecasts on Riskmonster.Com stock, see the JP:3768 Stock Forecast page.