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Paycloud Holdings Inc. (JP:4015)
:4015
Japanese Market
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Paycloud Holdings Inc. (4015) AI Stock Analysis

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JP:4015

Paycloud Holdings Inc.

(4015)

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Neutral 66 (OpenAI - 4o)
Rating:66Neutral
Price Target:
¥810.00
▲(19.65% Upside)
Paycloud Holdings Inc. shows strong financial performance with effective cash management and revenue growth. However, technical indicators suggest potential bearish momentum, and the high P/E ratio indicates overvaluation. The absence of a dividend yield further impacts the valuation score.

Paycloud Holdings Inc. (4015) vs. iShares MSCI Japan ETF (EWJ)

Paycloud Holdings Inc. Business Overview & Revenue Model

Company Descriptionarara inc. provides various technology solutions in Japan. The company engages in the development and provision of CRM services featuring reward point, e-money, and other functions for promotion; P-Pointer' data security solutions; AR services; and QR code related services. It also provides and manages high-speed email delivery solutions. The company was incorporated in 2006 and is based in Tokyo, Japan.
How the Company Makes MoneyPaycloud Holdings Inc. generates revenue through multiple streams, primarily from transaction fees associated with its payment processing services. Each time a customer processes a payment through its platform, Paycloud collects a percentage fee, which constitutes a significant portion of its earnings. Additionally, the company offers subscription-based services for businesses that require advanced financial management tools, generating recurring revenue. Strategic partnerships with banks and e-commerce platforms further enhance its reach and capabilities, allowing Paycloud to capture a larger market share in the digital payments landscape. These collaborations often result in co-branded offerings, providing additional channels for revenue generation.

Paycloud Holdings Inc. Financial Statement Overview

Summary
Paycloud Holdings Inc. demonstrates strong revenue growth and effective cash management. The balance sheet is solid with manageable leverage. However, there is room for improvement in net profit margins.
Income Statement
85
Very Positive
Paycloud Holdings Inc. has demonstrated strong revenue growth, with a significant increase from the previous year. The gross profit margin is robust, indicating effective cost management. However, the net profit margin is modest, suggesting room for improvement in controlling expenses or enhancing revenue streams. The EBIT and EBITDA margins are healthy, reflecting good operational efficiency.
Balance Sheet
78
Positive
The company maintains a solid equity ratio, showcasing a strong capital structure with a good proportion of equity financing. The debt-to-equity ratio is reasonable, indicating manageable leverage levels. Return on equity is positive, reflecting profitability for shareholders, though there is potential for further enhancement.
Cash Flow
82
Very Positive
Paycloud Holdings Inc. has shown impressive growth in free cash flow, highlighting effective cash management and operational efficiency. The operating cash flow to net income ratio is strong, indicating that the company is generating ample cash relative to its net income. The free cash flow to net income ratio also supports this positive cash flow position.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue9.70B6.85B4.48B1.17B1.46B1.20B
Gross Profit3.85B3.01B2.30B747.52M1.03B773.45M
EBITDA1.09B703.61M493.38M-1.74B314.03M170.97M
Net Income301.70M74.15M114.13M-1.83B229.21M143.96M
Balance Sheet
Total Assets8.33B8.26B4.40B3.86B3.39B1.05B
Cash, Cash Equivalents and Short-Term Investments3.25B3.23B1.49B1.09B560.69M700.35M
Total Debt1.86B1.84B1.26B1.93B1.80B100.00M
Total Liabilities3.81B4.05B2.24B2.42B2.08B634.27M
Stockholders Equity4.52B4.22B2.16B1.43B1.31B420.62M
Cash Flow
Free Cash Flow0.00989.93M430.94M-407.57M-132.63M368.31M
Operating Cash Flow0.001.16B561.86M-218.22M46.59M416.77M
Investing Cash Flow0.00-19.77M-87.64M-194.09M-2.51B-42.81M
Financing Cash Flow0.00121.07M-80.73M-96.72M2.32B74.25M

Paycloud Holdings Inc. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price677.00
Price Trends
50DMA
730.48
Negative
100DMA
765.46
Negative
200DMA
664.16
Positive
Market Momentum
MACD
-18.62
Negative
RSI
36.90
Neutral
STOCH
18.02
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4015, the sentiment is Negative. The current price of 677 is below the 20-day moving average (MA) of 692.85, below the 50-day MA of 730.48, and above the 200-day MA of 664.16, indicating a neutral trend. The MACD of -18.62 indicates Negative momentum. The RSI at 36.90 is Neutral, neither overbought nor oversold. The STOCH value of 18.02 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:4015.

Paycloud Holdings Inc. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
¥12.71B18.1612.34%1.21%8.45%19.01%
69
Neutral
¥9.00B49.8534.82%67.32%
67
Neutral
¥14.06B117.8428.99%-16.50%
66
Neutral
¥10.77B39.7862.19%40.77%
60
Neutral
¥11.76B26.5220.96%29.65%300.54%
40
Neutral
¥7.84B-7.79-126.53%99.79%7.36%
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:4015
Paycloud Holdings Inc.
677.00
45.00
7.12%
JP:3804
System D Inc.
1,985.00
562.67
39.56%
JP:3823
WHY HOW DO COMPANY,Inc.
71.00
41.00
136.67%
JP:4011
Headwaters Co., Ltd.
3,700.00
-1,385.00
-27.24%
JP:5248
TECHNOLOGIES,Inc.
695.00
8.00
1.16%
JP:5591
AVILEN Inc.
1,473.00
429.00
41.09%
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: Aug 29, 2025