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GMO Payment Gateway Inc (JP:3769)
:3769
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GMO Payment Gateway (3769) AI Stock Analysis

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JP:3769

GMO Payment Gateway

(OTC:3769)

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Neutral 66 (OpenAI - 4o)
Rating:66Neutral
Price Target:
¥8,985.00
▲(9.43% Upside)
GMO Payment Gateway's strong financial performance is the most significant factor, reflecting robust profitability and efficient cash generation. However, technical indicators suggest a bearish trend, and the valuation indicates the stock may be overvalued, which tempers the overall score.

GMO Payment Gateway (3769) vs. iShares MSCI Japan ETF (EWJ)

GMO Payment Gateway Business Overview & Revenue Model

Company DescriptionGMO 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 Business. The company offers PG multi-payment service, a payment platform that provides credit card payment, convenience store payment, account transfer, and multi-currency credit card payment. It also provides GMO payment after delivery; Ginko Pay Base System, a smartphone app that enables payments to be made by an immediate debit from the bank account; and GMO-PG processing platform, which helps financial institutions or financial service providers start payment-related services by enabling payment infrastructure building, as well as security services. In addition, the company offers global payment services; and early payment, GMO-PG remittance, guarantees, and transaction lending services. Further, it offers online advertising services consisting of administrative services for listing ads that use Yahoo! Promotional Ads and Google AdWords; and administrative services for Facebook Ads, Google Analytics, etc. It serves online merchants and public organizations, such as NHK, National Tax Agency, and Tokyo Metropolitan Government; and banks and other financial institutions. GMO Payment Gateway, Inc. was founded in 1995 and is headquartered in Tokyo, Japan.
How the Company Makes MoneyGMO Payment Gateway generates revenue through transaction fees charged to merchants for processing payments. The company earns money from various streams, including service fees for online payment processing, subscription fees for value-added services like fraud prevention and analytics, and setup fees for integrating their payment systems into merchant websites. Additionally, GMO Payment Gateway benefits from its partnerships with banks and financial institutions, which help expand its service offerings and reach. The company's extensive network and reputation in the payment processing industry contribute to its stable revenue growth.

GMO Payment Gateway Financial Statement Overview

Summary
GMO Payment Gateway demonstrates strong financial health with robust profitability, stable growth, moderate leverage, and effective equity utilization. Cash flow metrics highlight strong cash generation and conversion, supporting financial stability and growth potential.
Income Statement
85
Very Positive
GMO Payment Gateway shows strong profitability with a consistent gross profit margin around 66-67% and a net profit margin over 25% in the TTM. Revenue growth is positive, albeit slowing, with a TTM growth rate of 2.74% compared to higher rates in previous years. EBIT and EBITDA margins remain robust, indicating efficient operations.
Balance Sheet
78
Positive
The company maintains a healthy balance sheet with a debt-to-equity ratio around 0.51, indicating moderate leverage. Return on equity is strong at 19.58% in the TTM, reflecting effective use of equity capital. The equity ratio is stable, suggesting a solid financial foundation.
Cash Flow
80
Positive
Cash flow performance is strong, with a significant free cash flow growth of 26.33% in the TTM. The operating cash flow to net income ratio is healthy, indicating good cash generation relative to net income. The free cash flow to net income ratio is close to 1, showing efficient cash conversion.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue80.59B73.79B63.12B50.30B41.67B33.05B
Gross Profit54.09B48.10B39.99B33.64B28.10B23.85B
EBITDA33.81B31.47B23.22B20.62B15.98B12.72B
Net Income20.04B18.71B13.48B24.15B8.82B7.62B
Balance Sheet
Total Assets368.13B344.70B292.35B273.41B215.46B192.02B
Cash, Cash Equivalents and Short-Term Investments185.63B174.76B138.96B130.47B106.52B100.83B
Total Debt48.08B53.10B49.11B42.68B34.75B35.75B
Total Liabilities255.90B238.88B197.54B184.15B157.64B158.57B
Stockholders Equity109.23B102.90B92.27B87.12B55.85B31.73B
Cash Flow
Free Cash Flow52.09B45.03B1.50B4.69B-8.27B47.25B
Operating Cash Flow52.60B49.47B6.13B7.66B-6.34B49.19B
Investing Cash Flow-11.63B-5.23B17.76B-2.44B2.23B-4.49B
Financing Cash Flow-16.40B-3.73B-6.42B2.64B12.78B-785.11M

GMO Payment Gateway Technical Analysis

Technical Analysis Sentiment
Negative
Last Price8211.00
Price Trends
50DMA
8407.42
Negative
100DMA
8671.03
Negative
200DMA
8380.66
Negative
Market Momentum
MACD
-45.05
Positive
RSI
42.02
Neutral
STOCH
19.52
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3769, the sentiment is Negative. The current price of 8211 is below the 20-day moving average (MA) of 8370.20, below the 50-day MA of 8407.42, and below the 200-day MA of 8380.66, indicating a bearish trend. The MACD of -45.05 indicates Positive momentum. The RSI at 42.02 is Neutral, neither overbought nor oversold. The STOCH value of 19.52 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:3769.

GMO Payment Gateway Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
7.26B18.411.05%7.69%-6.56%
76
Outperform
12.61B29.530.42%21.21%82.61%
74
Outperform
13.66B12.6112.16%3.86%7.76%30.00%
66
Neutral
$627.14B31.2919.13%1.51%14.62%16.47%
61
Neutral
154.85B50.569.58%0.13%26.40%129.49%
56
Neutral
135.93B56.559.77%0.12%45.51%292.77%
61
Neutral
$37.18B12.37-10.20%1.83%8.50%-7.62%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:3769
GMO Payment Gateway
8,211.00
-589.00
-6.69%
JP:2428
Wellnet Corporation
726.00
15.27
2.15%
JP:3623
Billing System Corporation
1,139.00
-282.89
-19.90%
JP:3778
SAKURA Internet Inc.
3,400.00
-885.62
-20.66%
JP:4180
Appier Group, Inc.
1,511.00
-268.59
-15.09%
JP:4374
ROBOT PAYMENT INC.
3,305.00
1,029.39
45.24%

GMO Payment Gateway Corporate Events

GMO Payment Gateway Reports Q3 FY2025 Financial Results with Strategic Expansion
Aug 8, 2025

GMO Payment Gateway reported a 12.6% increase in revenue for the nine months ending June 30, 2025, with operating profit rising by 20.1%. The company has also included a new subsidiary, GMO Enpay, Inc., in its consolidation, indicating strategic expansion. Despite the positive financial performance, total comprehensive income saw a decline of 13.0%, which may impact stakeholder confidence.

The most recent analyst rating on (JP:3769) stock is a Buy with a Yen10650.00 price target. To see the full list of analyst forecasts on GMO Payment Gateway stock, see the JP:3769 Stock Forecast page.

GMO Payment Gateway Issues Unsecured Bonds to Bolster Financial Strategy
Jul 11, 2025

GMO Payment Gateway, Inc. announced the issuance of its first and second unsecured straight bonds, each amounting to 10 billion yen. The proceeds from these bonds will primarily be used for redeeming existing convertible bonds due in 2026, with any surplus directed towards working capital or investment purposes. This strategic financial move is expected to strengthen the company’s liquidity and support its operational and investment activities.

The most recent analyst rating on (JP:3769) stock is a Hold with a Yen9300.00 price target. To see the full list of analyst forecasts on GMO Payment Gateway stock, see the JP:3769 Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 18, 2025