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Money Forward, Inc. (JP:3994)
:3994
3994 Stock Chart & Stats
¥4673.00
-¥23.00(-0.47%)
At close: 4:00 PM EST
¥4673.00
-¥23.00(-0.47%)
Day’s Range― - ―
52-Week Range¥2,750.50 - ¥6,794.00
Previous CloseN/A
Volume430.10K
Average Volume (3M)292.29K
Market Cap
¥188.45B
Enterprise Value¥180.76B
Total Cash (Recent Filing)¥45.33B
Total Debt (Recent Filing)¥33.43B
Price to Earnings (P/E)143.8
Beta0.67
Next Earnings
Apr 14, 2026EPS Estimate
12.71Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)90.21
Shares Outstanding55,528,778
10 Day Avg. Volume391,570
30 Day Avg. Volume292,293
Financial Highlights & Ratios
PEG Ratio-1.15
Price to Book (P/B)5.20
Price to Sales (P/S)4.53
P/FCF Ratio69.06
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)-22.41
Revenue Forecast (FY)¥56.30B
Bulls Say, Bears Say
Bulls Say
Recurring B2B SaaS RevenueA recurring subscription model for cloud accounting and back-office software creates predictable revenue and high retention potential. This supports durable cash flows, eases customer lifetime value expansion via modules and add-ons, and underpins scalable margin improvements as the base grows.
Recent Inflection To Profitability And Cash FlowTurning to positive net income and free cash flow in 2025 marks a structural improvement versus prior loss years. Sustained positive cash generation reduces financing dependence, enables reinvestment in product and sales, and increases resilience across economic cycles if maintained.
Stronger Balance-sheet SupportAn expanding equity base and improved leverage provide financial flexibility as the business scales. Better debt-to-equity metrics lower solvency risk, making it easier to fund growth initiatives or weather revenue volatility without forcing dilutive capital raises or disruptive cost cutting.
Bears Say
Operating Losses PersistEven with net income and EBITDA turning positive, continued negative operating profit suggests core operating expenses (R&D, sales, G&A) still outpace operating margins. If sustained, this limits durable operating leverage and means profitability could reverse if revenue growth slows.
Historical Cash-flow VolatilityA track record of volatile and often negative cash flows reduces confidence that the recent cash-positive year is durable. This makes planning for long-term investments and debt servicing harder and raises the chance of future liquidity stress in down cycles.
Meaningful Absolute Debt LevelsElevated absolute debt increases fixed obligations and interest exposure, constraining financial flexibility if growth slows. Even with improved ratios, higher nominal debt raises refinancing and covenant risks and can amplify downside in a profit or cash-flow contraction.
Money Forward News
3994 FAQ
What was Money Forward, Inc.’s price range in the past 12 months?
Money Forward, Inc. lowest stock price was ¥2750.50 and its highest was ¥6794.00 in the past 12 months.
What is Money Forward, Inc.’s market cap?
Money Forward, Inc.’s market cap is ¥188.45B.
When is Money Forward, Inc.’s upcoming earnings report date?
Money Forward, Inc.’s upcoming earnings report date is Apr 14, 2026 which is in 33 days.
How were Money Forward, Inc.’s earnings last quarter?
Money Forward, Inc. released its earnings results on Jan 14, 2026. The company reported ¥90.21 earnings per share for the quarter, beating the consensus estimate of ¥77.483 by ¥12.727.
Is Money Forward, Inc. overvalued?
According to Wall Street analysts Money Forward, Inc.’s price is currently Overvalued.
Does Money Forward, Inc. pay dividends?
Money Forward, Inc. does not currently pay dividends.
What is Money Forward, Inc.’s EPS estimate?
Money Forward, Inc.’s EPS estimate is 12.71.
How many shares outstanding does Money Forward, Inc. have?
Money Forward, Inc. has 55,528,778 shares outstanding.
What happened to Money Forward, Inc.’s price movement after its last earnings report?
Money Forward, Inc. reported an EPS of ¥90.21 in its last earnings report, beating expectations of ¥77.483. Following the earnings report the stock price went down -1.613%.
Which hedge fund is a major shareholder of Money Forward, Inc.?
Currently, no hedge funds are holding shares in JP:3994
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Money Forward, Inc.
Money Forward, Inc. provides money-related services for individuals and corporations. It offers Money Forward ME, an automatic household account book service; MONEY PLUS for enhancing readers' money literacy and foster awareness of money; Money Forward Mall, a web portal and platform for comparing and applying for financial services, such as credit cards and securities accounts; mirai talk, a channel to resolve customers financial concerns; and Tock pop, an application specialized in coupon information. The company also provides Money Forward Cloud Accounting, a cloud accounting software; Money Forward Cloud Final Report, a cloud-type final tax return software; Money Forward Cloud Invoice, an invoice creation software; Money Forward Cloud Salary, a salary calculation software; Money Forward Cloud Attendance, a time management service for companies; Money Forward Cloud My Number, a my number management system; Money Forward Cloud Expenses, a cloud-type expense reimbursement system; and Money Forward Cloud Fundraising, a service that provides money forward cloud data to financial institutions. In addition, it offers STREAMED, a software specialized in automating accounting bookkeeping; Manageboard, a cloud service that allows to conduct business analysis by importing accounting software data; MF KESSAI, an inter-company postpaid settlement service; BALES, an inside sales outsourcing and consulting service; BALES CLOUD, a cloud-based inside sales management system; BOXIL that provides various information on prices, specifications, and word-of-mouth reviews of various Software-as-a-Service; and Money Forward X, a group that works with various client issues to create services. The company was formerly known as Moneybook Co. and changed its name to Money Forward, Inc. in December 2012. Money Forward, Inc. was founded in 2012 and is headquartered in Tokyo, Japan.
Technical Analysis
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Options Prices
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