GMO Payment Gateway (3769) AI Stock Analysis

• Market Cap: ¥644.51B
• Dividend Yield: 1.47%
• Average Volume (3M): 194.85K
• Price to Earnings (P/E): 35.9
• Beta (1Y): 0.66
• Revenue Growth: 11.81%
• EPS Growth: 16.69%
• Country: JP
• Employees: 853
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 67.87
• Shares Outstanding: 76,557,550
• 10 Day Avg. Volume: 198,670
• 30 Day Avg. Volume: 194,853
• PEG Ratio: 1.73
• Price to Book (P/B): 5.57
• Price to Sales (P/S): 7.63
• P/FCF Ratio: 11.61
• 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: ¥10,000.00
• Price Target Upside: 22.40% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 318.29
• Revenue Forecast (FY): ¥94.20B

• Rating: 64 Neutral
• Price Target: ¥9,093.00 ▲(11.30% Upside)
• Action: Reiterated Date: 02/18/26
• Date: Action: Reiterated 02/18/26

The score is supported primarily by strong underlying financial performance (high margins and healthy returns). It is meaningfully reduced by weak technical conditions (below major moving averages with negative MACD and very oversold RSI/Stoch) and a valuation that appears only moderate given a mid-20s P/E and ~1.9% yield.

Positive Factors

High Profitability and Margins

Consistently very high gross and operating margins indicate strong pricing power and a low incremental cost structure typical of payment platforms. Durable margin levels support reinvestment, R&D and shareholder returns and increase resilience versus cyclical revenue swings.

Negative Factors

Slowing Revenue Growth

A deceleration from earlier higher growth to low‑teens reduces the pace at which scale and operating leverage compound. Slower top-line momentum can constrain future margin gains and limit reinvestment or acquisition capacity unless new growth initiatives restore higher TPV or market share gains.

GMO Payment Gateway Business Overview & Revenue Model

Company Description

GMO Payment Gateway, Inc., together with its subsidiaries, provides financial services and integrated payment related services. It operates through three segments: Payment Enhancement Business, Payment Processing Business, and Money Service Busine...

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GMO Payment Gateway, Inc., together with its subsidiaries, provides financial services and integrated payment related services. It operates through three segments: Payment Enhancement Business, Payment Processing Business, and Money Service Busine...

How the Company Makes Money

The company primarily makes money by charging merchants and other clients fees to enable and operate cashless payment acceptance and payment processing. Its revenue model typically includes (1) transaction-based processing fees earned as a percent...

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The company primarily makes money by charging merchants and other clients fees to enable and operate cashless payment acceptance and payment processing. Its revenue model typically includes (1) transaction-based processing fees earned as a percent...

GMO Payment Gateway Financial Statement Overview

Breakdown	TTM	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021
Income Statement
Total Revenue	84.69B	82.50B	73.78B	63.12B	50.30B	41.67B
Gross Profit	57.04B	55.49B	48.10B	39.98B	33.63B	28.10B
EBITDA	37.81B	36.34B	31.47B	23.85B	37.13B	15.38B
Net Income	22.41B	21.83B	18.70B	13.47B	24.15B	8.82B
Balance Sheet
Total Assets	443.76B	406.80B	344.70B	292.35B	273.41B	215.46B
Cash, Cash Equivalents and Short-Term Investments	227.77B	220.04B	174.05B	138.96B	130.47B	106.52B
Total Debt	68.05B	65.38B	55.86B	51.16B	45.02B	38.26B
Total Liabilities	330.40B	290.62B	238.88B	197.54B	184.15B	157.64B
Stockholders Equity	110.16B	113.01B	102.90B	92.27B	87.12B	55.85B
Cash Flow
Free Cash Flow	47.12B	54.22B	49.58B	5.97B	9.65B	-6.41B
Operating Cash Flow	47.52B	54.50B	50.08B	6.50B	9.97B	-6.16B
Investing Cash Flow	-9.88B	-8.07B	-5.82B	17.41B	-4.73B	2.20B
Financing Cash Flow	1.23B	-1.24B	-3.75B	-6.44B	2.61B	12.64B

GMO Payment Gateway Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 8170.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3769, the sentiment is Neutral. The current price of 8170 is above the 20-day moving average (MA) of 8140.95, above the 50-day MA of 8106.78, and below the 200-day MA of 8669.63, indicating a neutral trend. The MACD of 166.59 indicates Negative momentum. The RSI at 57.40 is Neutral, neither overbought nor oversold. The STOCH value of 65.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:3769.

GMO Payment Gateway Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
4374	74 Outperform	¥8.85B	20.41	―	0.47%	19.35%	71.74%
3623	71 Outperform	¥6.87B	15.28	―	1.18%	6.95%	-9.62%
4431	71 Outperform	¥43.59B	20.49	―	0.52%	26.98%	19.69%
4496	71 Outperform	¥5.43B	12.30	―	2.50%	4.29%	-42.71%
3633	65 Neutral	¥10.12B	13.23	―	2.16%	2.75%	25.24%
3769	64 Neutral	¥644.51B	35.93	20.54%	1.47%	11.81%	16.69%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

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