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Money Forward, Inc. (JP:3994)
:3994

Money Forward (3994) AI Stock Analysis

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JP

Money Forward

(Frankfurt:3994)

Rating:53Neutral
Price Target:
¥4,489.00
▼(-3.46%Downside)
The overall stock score is primarily influenced by strong revenue growth and positive short-term technical indicators, offset by ongoing profitability challenges and a weak valuation profile due to negative earnings.

Money Forward (3994) vs. iShares MSCI Japan ETF (EWJ)

Money Forward Business Overview & Revenue Model

Company DescriptionMoney Forward, Inc. (3994) is a Japanese financial technology company that specializes in providing cloud-based financial services and software solutions. Founded in 2012, the company operates in sectors such as personal finance management, business accounting, and financial data aggregation. Its core products include Money Forward ME, a personal finance management tool for individuals, and Money Forward Cloud, a comprehensive suite of accounting and business management tools for small to medium-sized enterprises (SMEs). The company aims to simplify financial management and improve the financial well-being of its users.
How the Company Makes MoneyMoney Forward, Inc. generates revenue primarily through a subscription-based model, where users pay for access to its software services. For individual users, it offers premium subscriptions for enhanced features on its personal finance management platform, Money Forward ME. For businesses, it provides the Money Forward Cloud suite, where companies pay subscription fees based on the number of users and the types of applications they use, such as accounting, payroll, and tax return software. Additionally, the company earns revenue from partnerships with financial institutions by offering them financial data aggregation services and solutions that enhance their digital offerings. Key contributors to its earnings include the growing adoption of cloud-based financial tools among businesses and individuals and its strategic partnerships with banks and other financial entities.

Money Forward Financial Statement Overview

Summary
Income Statement
Balance Sheet
Cash Flow
Breakdown
Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019
Income StatementTotal Revenue
30.38B21.48B15.63B11.32B7.16B
Gross Profit
19.08B13.40B10.82B7.62B4.32B
EBIT
-6.33B-8.47B-1.06B-2.80B-2.45B
EBITDA
-4.13B-7.97B-513.68M-1.93B-2.43B
Net Income Common Stockholders
-6.32B-9.70B-1.58B-2.48B-2.62B
Balance SheetCash, Cash Equivalents and Short-Term Investments
42.52B28.48B37.29B9.14B7.19B
Total Assets
88.28B65.99B56.94B21.71B16.31B
Total Debt
30.37B16.90B8.55B6.55B5.43B
Net Debt
-8.48B-9.81B-27.67B-2.37B-1.76B
Total Liabilities
53.62B30.90B14.61B11.47B8.28B
Stockholders Equity
28.33B32.63B40.53B9.66B7.93B
Cash FlowFree Cash Flow
-2.92B-8.39B-4.66B-2.29B-3.74B
Operating Cash Flow
2.46B-4.12B-2.33B-1.12B-3.61B
Investing Cash Flow
-7.47B-14.78B-5.20B-2.61B-2.78B
Financing Cash Flow
17.46B9.07B34.80B5.26B8.64B

Money Forward Technical Analysis

Technical Analysis Sentiment
Positive
Last Price4650.00
Price Trends
50DMA
4266.44
Positive
100DMA
4294.16
Positive
200DMA
4752.10
Negative
Market Momentum
MACD
111.94
Negative
RSI
56.39
Neutral
STOCH
62.92
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3994, the sentiment is Positive. The current price of 4650 is above the 20-day moving average (MA) of 4596.30, above the 50-day MA of 4266.44, and below the 200-day MA of 4752.10, indicating a neutral trend. The MACD of 111.94 indicates Negative momentum. The RSI at 56.39 is Neutral, neither overbought nor oversold. The STOCH value of 62.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:3994.

Money Forward Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
¥132.99B22.45
2.69%11.47%8.73%
74
Outperform
€465.24B69.0719.04%20.02%-5.47%
72
Outperform
¥144.52B34.00
0.95%16.68%43.49%
67
Neutral
¥259.20B122.55
29.19%
62
Neutral
$11.81B10.34-7.44%2.91%7.41%-7.93%
53
Neutral
€257.94B-17.75%28.35%-2.49%
47
Neutral
¥228.24B
29.79%77.13%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:3994
Money Forward
4,650.00
-392.00
-7.77%
JP:4432
WingArc1st Inc.
3,860.00
1,243.78
47.54%
JP:4443
Sansan, Inc.
2,050.00
447.00
27.89%
JP:4478
freee K.K.
3,855.00
1,575.00
69.08%
JP:4776
Cybozu, Inc.
3,150.00
1,306.00
70.82%
JP:3697
SHIFT
1,740.50
755.51
76.70%

Money Forward Corporate Events

Money Forward Completes Payment for Restricted Stock Compensation
Apr 18, 2025

Money Forward, Inc. has completed the payment procedure for issuing new shares as restricted stock compensation, a decision made at the company’s Board of Directors meeting on March 25, 2025. This issuance involves 203,400 common shares at an issue price of ¥4,228 per share, totaling ¥859,975,200, and is aimed at rewarding and incentivizing employees and directors, potentially strengthening the company’s internal stakeholder alignment.

Money Forward Partners with SMBC for Digital Banking Initiative
Apr 16, 2025

Money Forward, Inc. has entered into a basic agreement with Sumitomo Mitsui Financial Group and Sumitomo Mitsui Banking Corporation to establish a preparatory company aimed at developing a new BaaS/digital banking service. This initiative seeks to enhance financial services for small and medium-sized enterprises in Japan, aligning with SMBC Group’s strategy to support corporate digital transformation through digital solutions.

Money Forward, Inc. Reports Q1 2025 Financial Results with Increased Sales but Continued Losses
Apr 14, 2025

Money Forward, Inc. reported its consolidated financial results for the three months ended February 28, 2025, showing a significant increase in net sales and SaaS ARR compared to the previous year. Despite improvements in adjusted EBITDA, the company still faced a net loss, reflecting ongoing challenges in achieving profitability. The financial forecast for the fiscal year ending November 30, 2025, anticipates continued growth in sales and ARR, although the company expects to remain in a net loss position, indicating a focus on long-term growth strategies over immediate profitability.

Money Forward Transfers Nexsol to SMCC and SLI, Revises Earnings Forecast
Mar 31, 2025

Money Forward, Inc. has announced the transfer of its subsidiary, Nexsol Co., Ltd., to Sumitomo Mitsui Card Co., Ltd. and Sony Life Insurance Co., Ltd. This strategic move is part of a broader realignment of Money Forward’s B2C business strategies, aimed at enhancing Nexsol’s corporate value. As a result of this transfer, Nexsol will no longer be part of Money Forward’s consolidated financial statements, and the company has revised its net sales forecast for the fiscal year ending November 2025. This decision reflects Money Forward’s ongoing efforts to optimize its business operations and strengthen its market position.

Money Forward, Inc. Issues New Shares as Restricted Stock Compensation
Mar 25, 2025

Money Forward, Inc. has announced the issuance of new shares as restricted stock compensation, aimed at aligning the interests of its employees and directors with those of shareholders by sharing in stock price fluctuations. This move is expected to motivate employees and directors to contribute to increasing the company’s stock price and corporate value, thereby strengthening its market position.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.