User Local, Inc. (JP:3984)
:3984
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User Local, Inc.
(3984)
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Rating:85Outperform
Price Target:
¥2,107.00
▲(9.63% Upside)
Action:Reiterated
Date:05/09/26
High score driven primarily by standout financial strength (exceptional margins, debt-free balance sheet, and strong cash generation). Valuation is also supportive with a low P/E and a modest yield. Technicals are positive but tempered by the stock still trading below its 200-day moving average.
Positive Factors
Debt-free balance sheet
A zero-debt balance sheet materially reduces bankruptcy and refinancing risk and preserves strategic optionality. Growing equity bases support investment without leverage, enabling stable capital allocation, M&A optionality, and resilience through downturns while maintaining healthy ROE (~15–16%).
Negative Factors
Decelerating revenue growth
A clear slowdown in top-line growth can signal market maturation, tougher comps, or saturation in core segments. Over months this can pressure long-term expansion prospects, limit operating leverage upside, and force management to shift to retention, upsell or new markets to sustain enterprise growth trajectories.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet
A zero-debt balance sheet materially reduces bankruptcy and refinancing risk and preserves strategic optionality. Growing equity bases support investment without leverage, enabling stable capital allocation, M&A optionality, and resilience through downturns while maintaining healthy ROE (~15–16%).
Read all positive factors
User Local, Inc. (3984) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥28.41B
Dividend Yield0.73%
Average Volume (3M)63.91K
Price to Earnings (P/E)12.0
Beta (1Y)0.92
Revenue Growth17.32%
EPS Growth33.18%
CountryJP
Employees102
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)88.74
Shares Outstanding16,245,700
10 Day Avg. Volume50,620
30 Day Avg. Volume63,906
Financial Highlights & Ratios
PEG Ratio1.05
Price to Book (P/B)3.50
Price to Sales (P/S)6.65
P/FCF Ratio19.71
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
User Local, Inc. Business Overview & Revenue Model
Company Description
User Local, Inc. develops various analysis tools for website creators and marketers. The company engages in the research and development of big data analysis systems. It also provides Web marketing support tools under the User Insight name; social...
How the Company Makes Money
User Local, Inc. primarily generates revenue through subscriptions to its SaaS products, which include analytics tools and software platforms for businesses. The company earns income from licensing fees, offering tiered pricing models based on fea...
User Local, Inc. Financial Statement Overview
Summary
Income Statement
92
Very Positive
Balance Sheet
95
Very Positive
Cash Flow
88
Very Positive
| Breakdown | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 4.58B | 3.91B | 3.29B | 2.68B | 2.09B |
| Gross Profit | 4.12B | 3.57B | 3.05B | 2.48B | 1.89B |
| EBITDA | 2.01B | 1.76B | 1.38B | 1.10B | 911.25M |
| Net Income | 1.43B | 1.19B | 954.35M | 721.89M | 615.47M |
Balance Sheet | |||||
| Total Assets | 9.97B | 8.84B | 7.21B | 6.24B | 5.28B |
| Cash, Cash Equivalents and Short-Term Investments | 8.55B | 7.68B | 6.37B | 5.32B | 4.70B |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 1.27B | 1.11B | 871.51M | 700.50M | 571.26M |
| Stockholders Equity | 8.70B | 7.72B | 6.34B | 5.54B | 4.71B |
Cash Flow | |||||
| Free Cash Flow | 1.55B | 1.53B | 1.29B | 869.30M | 676.74M |
| Operating Cash Flow | 1.81B | 1.55B | 1.31B | 911.55M | 696.73M |
| Investing Cash Flow | -260.31M | -198.80M | -28.03M | -120.50M | -100.09M |
| Financing Cash Flow | -676.70M | -36.68M | -238.22M | -167.26M | 64.99M |
User Local, Inc. Technical Analysis
Positive
1922.00
Price Trends
1558.04
Positive
1689.00
Positive
1831.24
Negative
Market Momentum
55.37
Negative
64.19
Neutral
46.27
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3984, the sentiment is Positive. The current price of 1922 is above the 20-day moving average (MA) of 1654.95, above the 50-day MA of 1558.04, and above the 200-day MA of 1831.24, indicating a neutral trend. The MACD of 55.37 indicates Negative momentum. The RSI at 64.19 is Neutral, neither overbought nor oversold. The STOCH value of 46.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:3984.
User Local, Inc. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
85 Outperform | ¥28.41B | 11.97 | ― | 0.73% | 17.32% | 33.18% | |
78 Outperform | ¥34.75B | 8.19 | ― | 3.40% | 8.54% | 20.57% | |
70 Outperform | ¥25.47B | 50.86 | ― | ― | 31.09% | 75.74% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
56 Neutral | ¥26.20B | 19.53 | ― | 2.51% | -1.52% | -31.82% | |
47 Neutral | ¥23.65B | 57.86 | ― | ― | 25.31% | -1.73% |
* Technology Sector Average
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User Local, Inc. Corporate Events
User Local Corrects Treasury Share Cancellation Date
May 8, 2026
User Local, Inc. has corrected a previously announced notice regarding the cancellation of its treasury shares, updating the scheduled cancellation date from May 31, 2026 to May 29, 2026. The revision reflects an error found after the initial disc...
User Local to Grant ¥138.9 Million in Restricted Stock to Employees
May 7, 2026
User Local, Inc. will dispose of 90,200 treasury shares as restricted stock compensation to 63 employees, setting the disposal price at ¥1,540 per share for a total value of about ¥138.9 million. The plan, approved by the board on May 7,...
User Local Raises Dividend Forecast and Launches New Shareholder Perk
May 7, 2026
User Local, Inc. has revised its year-end dividend forecast for the fiscal year ending June 30, 2026, raising the planned fiscal year-end dividend from 10 yen to 14 yen per share. This change lifts the total annual dividend forecast to 24 yen per ...
User Local to Cancel 100,000 Treasury Shares to Tighten Share Base
May 7, 2026
User Local, Inc. has resolved at a May 7, 2026 board meeting to cancel 100,000 shares of its common stock, equivalent to 0.61% of its issued shares including treasury stock. The cancellation, scheduled for May 31, 2026 under Article 178 of the Com...
User Local Lifts Nine-Month Profit 32% and Hikes Dividend Forecast
May 7, 2026
User Local, Inc. reported strong non-consolidated results for the nine months ended March 31, 2026, with net sales rising 17.0% year on year to ¥3,934 million and operating profit climbing 24.4% to ¥1,889 million. Ordinary profit increas...
User Local Advances Share Buyback Program on Tokyo Stock Exchange
May 1, 2026
User Local, Inc. has reported the progress of its ongoing share buyback program, disclosing that it repurchased 97,200 shares of its common stock for approximately 147.8 million yen on the Tokyo Stock Exchange between April 1 and April 30, 2026. T...
User Local Reports Progress on Ongoing Share Buyback Program
Apr 2, 2026
User Local, Inc. has disclosed the latest status of its ongoing share repurchase program, confirming it bought 77,200 shares of its common stock on the Tokyo Stock Exchange between March 1 and March 31, 2026, for a total of ¥117,787,200. Thes...
User Local Begins Share Buyback Under ¥1 Billion Treasury Stock Program
Mar 3, 2026
User Local, Inc. has repurchased 43,200 shares of its common stock on the Tokyo Stock Exchange between February 16 and February 28, 2026, at a total cost of 68,523,000 yen. The buyback is part of a broader board-approved program allowing purchases...
User Local Launches ¥1 Billion Share Buyback to Boost Capital Efficiency
Feb 13, 2026
User Local, Inc. has resolved at its board meeting on February 13, 2026 to implement a share buyback under Article 459, Paragraph 1 of the Companies Act of Japan, authorizing the repurchase of up to 500,000 shares, or about 3.12% of its outstandin...
User Local Delivers Strong First-Half Earnings and Confirms Fiscal 2026 Outlook
Feb 12, 2026
User Local reported strong non-consolidated results for the six months to December 31, 2025, with net sales rising 17.7% year-on-year to ¥2.58 billion and profit climbing 32.1% to ¥914 million, driven by improved operating margins. Earni...
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.