Paycloud Holdings Inc. (4015) AI Stock Analysis

• Market Cap: ¥11.80B
• Dividend Yield: N/A
• Average Volume (3M): 182.28K
• Price to Earnings (P/E): 43.6
• Beta (1Y): 1.13
• Revenue Growth: 62.19%
• EPS Growth: 40.77%
• Country: JP
• Employees: 276
• Sector: Technology
• Sector Strength: 89
• Industry: Software - Application
• EPS (TTM): 7.62
• Shares Outstanding: 15,904,908
• 10 Day Avg. Volume: 94,550
• 30 Day Avg. Volume: 182,283
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ¥800.00
• Price Target Upside: 7.82% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 66 Neutral
• Price Target: ¥800.00 ▲(7.82% Upside)

The overall stock score is primarily influenced by strong financial performance, particularly in revenue growth and cash management. However, technical indicators suggest bearish momentum, and the high P/E ratio indicates overvaluation, which negatively impacts the score.

Paycloud Holdings Inc. Business Overview & Revenue Model

Company Description

Paycloud Holdings Inc. (4015) is a financial technology company specializing in digital payment solutions and cloud-based financial services. The company operates primarily in the fintech sector, providing a range of products and services that facilitate secure online transactions, payment processing, and financial management for businesses and consumers. With a focus on innovation and user-friendly interfaces, Paycloud Holdings aims to streamline financial operations and enhance the overall payment experience.

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 impressive financial health with strong revenue and cash flow growth. Operational efficiency is evident, but net profitability remains an area for improvement due to high costs or non-operational expenses.

Income Statement

Paycloud Holdings Inc. exhibits strong revenue growth, with a substantial increase from JPY 4,476 million in 2023 to JPY 6,853 million in 2024, a growth rate of 53.1%. The company maintains healthy gross and EBIT margins, indicating strong operational efficiency. However, the net profit margin is relatively low at 1.08%, suggesting high costs or non-operational expenses impacting profitability.

Balance Sheet

The balance sheet reflects a robust equity position, with a debt-to-equity ratio of 0.44, indicating moderate leverage. The equity ratio stands at 51.03%, showcasing strong equity backing. Return on equity (ROE) is modest at 1.76%, suggesting potential inefficiencies in using shareholder capital to generate profit.

Cash Flow

Paycloud Holdings Inc. has shown exceptional growth in operating and free cash flows, with free cash flow growing over 129.7% from 2023 to 2024. The operating cash flow to net income ratio is healthy, indicating good cash generation from operations. Strong free cash flow supports strategic initiatives and debt servicing, highlighting excellent cash management.

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

Paycloud Holdings Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 742.00
• 50DMA: Negative
• 100DMA: Positive
• 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 742 is below the 20-day moving average (MA) of 745.40, below the 50-day MA of 807.76, and above the 200-day MA of 632.12, indicating a neutral trend. The MACD of -16.12 indicates Negative momentum. The RSI at 42.63 is Neutral, neither overbought nor oversold. The STOCH value of 19.86 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	71 Outperform	¥13.25B	20.11		1.16%	7.42%	10.13%
5591	69 Neutral	¥8.92B	49.41		―	―	―
4011	67 Neutral	¥14.57B	122.13		―	21.37%	33.73%
4015	66 Neutral	¥11.80B	43.60		―	62.19%	40.77%
5248	62 Neutral	¥13.88B	31.49		―	69.06%	464.48%
Sector *	61 Neutral	€6.51B	18.03	3.81%	2.09%	2.46%	-30.42%
3823	38 Underperform	¥6.45B	―		―	99.79%	7.36%