Paycloud Holdings Inc. (4015) AI Stock Analysis

• Market Cap: ¥10.77B
• Dividend Yield: N/A
• Average Volume (3M): 103.06K
• Price to Earnings (P/E): 39.8
• Beta (1Y): 1.16
• Revenue Growth: 62.19%
• EPS Growth: 40.77%
• Country: JP
• Employees: 276
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): 7.62
• Shares Outstanding: 15,907,408
• 10 Day Avg. Volume: 50,440
• 30 Day Avg. Volume: 103,056
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥810.00
• Price Target Upside: 19.65% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 66 Neutral
• 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. Business Overview & Revenue Model

Company Description

arara 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 Money

Paycloud 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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	9.70B	6.85B	4.48B	1.17B	1.46B	1.20B
Gross Profit	3.85B	3.01B	2.30B	747.52M	1.03B	773.45M
EBITDA	1.09B	703.61M	493.38M	-1.74B	314.03M	170.97M
Net Income	301.70M	74.15M	114.13M	-1.83B	229.21M	143.96M
Balance Sheet
Total Assets	8.33B	8.26B	4.40B	3.86B	3.39B	1.05B
Cash, Cash Equivalents and Short-Term Investments	3.25B	3.23B	1.49B	1.09B	560.69M	700.35M
Total Debt	1.86B	1.84B	1.26B	1.93B	1.80B	100.00M
Total Liabilities	3.81B	4.05B	2.24B	2.42B	2.08B	634.27M
Stockholders Equity	4.52B	4.22B	2.16B	1.43B	1.31B	420.62M
Cash Flow
Free Cash Flow	0.00	989.93M	430.94M	-407.57M	-132.63M	368.31M
Operating Cash Flow	0.00	1.16B	561.86M	-218.22M	46.59M	416.77M
Investing Cash Flow	0.00	-19.77M	-87.64M	-194.09M	-2.51B	-42.81M
Financing Cash Flow	0.00	121.07M	-80.73M	-96.72M	2.32B	74.25M

Paycloud Holdings Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 677.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
3804	74 Outperform	¥12.71B	18.16	12.34%	1.21%	8.45%	19.01%
5591	69 Neutral	¥9.00B	49.85	―	―	34.82%	67.32%
4011	67 Neutral	¥14.06B	117.84	―	―	28.99%	-16.50%
4015	66 Neutral	¥10.77B	39.78	―	―	62.19%	40.77%
5248	60 Neutral	¥11.76B	26.52	20.96%	―	29.65%	300.54%
3823	40 Neutral	¥7.84B	-7.79	-126.53%	―	99.79%	7.36%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%