Paycloud Holdings Inc. (4015) AI Stock Analysis

• Market Cap: ¥8.62B
• Dividend Yield: N/A
• Average Volume (3M): 105.06K
• Price to Earnings (P/E): 59.6
• Beta (1Y): 1.08
• Revenue Growth: 49.33%
• EPS Growth: 104.72%
• Country: JP
• Employees: 276
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): -12.05
• Shares Outstanding: 15,907,408
• 10 Day Avg. Volume: 184,500
• 30 Day Avg. Volume: 105,060
• PEG Ratio: 0.00
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 57 Neutral
• Price Target: ¥509.00 ▲(2.62% Upside)

The overall score reflects solid financial performance, but is weighed down by weak technical indicators and high valuation. The lack of earnings call data and corporate events means these factors did not influence the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong demand for Paycloud's services and suggests a robust market position, supporting long-term business expansion.

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, allowing for reinvestment in growth initiatives and providing a buffer against economic downturns.

Profitability Margins

Strong gross profit margins reflect efficient operations and cost control, which can lead to improved profitability and competitive pricing strategies.

Negative Factors

Debt Reliance

High reliance on debt can increase financial risk and limit flexibility, potentially impacting the company's ability to invest in growth or weather economic challenges.

Net Profit Margin

A low net profit margin indicates challenges in converting revenue into profit, which could hinder long-term financial performance and shareholder returns.

Free Cash Flow Volatility

Volatile free cash flow can affect the company's ability to fund operations and growth consistently, posing a risk to financial stability and strategic initiatives.

Paycloud Holdings Inc. Business Overview & Revenue Model

Company Description

Paycloud Holdings Inc. (4015) is a technology-driven company specializing in cloud-based payment solutions and financial services. Operating across various sectors including e-commerce, retail, and financial technology, Paycloud offers a suite of products designed to streamline payment processing, enhance transaction security, and provide data analytics for businesses of all sizes. Their core offerings include payment gateways, mobile payment solutions, and integrated financial management tools aimed at improving the efficiency and effectiveness of payment systems.

How the Company Makes Money

Paycloud Holdings Inc. generates revenue primarily through transaction fees charged on payment processing services. Each time a business utilizes their payment gateway, Paycloud earns a percentage of the transaction value as well as fixed fees for service usage. Additionally, the company offers subscription-based pricing for businesses that require advanced analytics and financial management tools, creating a steady stream of recurring revenue. Key partnerships with major banks and financial institutions enhance their service offerings and expand their market reach. Furthermore, the company may benefit from strategic alliances with e-commerce platforms, providing access to a broader customer base and increasing transaction volumes, ultimately driving revenue growth.

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 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	9.68B	10.23B	6.85B	4.48B	1.17B	1.46B
Gross Profit	3.82B	3.75B	3.01B	2.30B	747.52M	1.03B
EBITDA	1.06B	879.37M	703.61M	493.38M	-1.74B	314.03M
Net Income	270.25M	143.75M	74.15M	114.13M	-1.83B	229.21M
Balance Sheet
Total Assets	8.90B	9.41B	8.26B	4.40B	3.86B	3.39B
Cash, Cash Equivalents and Short-Term Investments	3.77B	4.37B	3.23B	1.49B	1.09B	560.69M
Total Debt	1.79B	1.77B	1.84B	1.26B	1.93B	1.80B
Total Liabilities	4.23B	5.01B	4.05B	2.24B	2.61B	2.08B
Stockholders Equity	4.68B	4.53B	4.22B	2.16B	1.43B	1.31B
Cash Flow
Free Cash Flow	0.00	1.39B	989.93M	430.94M	-407.57M	-132.63M
Operating Cash Flow	0.00	1.41B	1.16B	561.86M	-218.22M	46.59M
Investing Cash Flow	0.00	-272.80M	-19.77M	-87.64M	-194.09M	-2.51B
Financing Cash Flow	0.00	10.99M	121.07M	-80.73M	-96.72M	2.32B

Paycloud Holdings Inc. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 496.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4015, the sentiment is Neutral. The current price of 496 is below the 20-day moving average (MA) of 506.55, below the 50-day MA of 506.34, and below the 200-day MA of 661.38, indicating a neutral trend. The MACD of 4.21 indicates Negative momentum. The RSI at 66.65 is Neutral, neither overbought nor oversold. The STOCH value of 88.61 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	65 Neutral	¥11.14B	17.77	―	1.51%	8.65%	12.86%
5591	65 Neutral	¥8.31B	43.01	―	―	35.46%	59.47%
4011	62 Neutral	¥11.92B	68.83	―	―	34.56%	4.59%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
5248	59 Neutral	¥8.70B	35.41	―	―	-11.49%	40.26%
4015	57 Neutral	¥8.62B	59.56	―	―	49.33%	104.72%
3823	43 Neutral	¥6.97B	-66.20	―	―	134.28%	94.74%