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Paycloud Holdings Inc. (JP:4015)
:4015
Japanese Market

Paycloud Holdings Inc. (4015) AI Stock Analysis

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JP

Paycloud Holdings Inc.

(4015)

Rating:78Outperform
Price Target:
¥1,076.00
▲(23.82%Upside)
The overall stock score is primarily driven by strong financial performance and bullish technical indicators. High revenue and cash flow growth underscore the company's operational strengths, while technical analysis suggests positive price trends. However, the high valuation poses a risk, indicating potential overvaluation in the market.

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 Money

Paycloud Holdings Inc. Financial Statement Overview

Summary
Paycloud Holdings Inc. demonstrates strong revenue growth and cash flow, indicating robust financial health. The company maintains operational efficiency and a solid equity position. However, the low net profit margin highlights high costs or non-operational expenses, which is a key area for improvement.
Income Statement
89
Very Positive
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
78
Positive
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
92
Very Positive
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.
BreakdownTTMSep 2024Sep 2023Sep 2022Sep 2021Sep 2020
Income Statement
Total Revenue8.16B6.85B4.48B1.17B1.46B1.20B
Gross Profit3.40B3.01B2.30B747.52M1.03B773.45M
EBITDA755.48M703.61M493.38M-1.74B314.03M170.97M
Net Income140.99M74.15M114.13M-1.83B229.21M143.96M
Balance Sheet
Total Assets8.45B8.26B4.40B3.86B3.39B1.05B
Cash, Cash Equivalents and Short-Term Investments3.10B3.23B1.49B1.09B560.69M700.35M
Total Debt1.96B1.84B1.26B1.93B1.80B100.00M
Total Liabilities4.10B4.05B2.24B2.42B2.08B634.27M
Stockholders Equity4.35B4.22B2.16B1.43B1.31B420.62M
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
Positive
Last Price869.00
Price Trends
50DMA
765.70
Positive
100DMA
676.84
Positive
200DMA
604.45
Positive
Market Momentum
MACD
38.85
Positive
RSI
56.76
Neutral
STOCH
51.83
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4015, the sentiment is Positive. The current price of 869 is above the 20-day moving average (MA) of 844.85, above the 50-day MA of 765.70, and above the 200-day MA of 604.45, indicating a bullish trend. The MACD of 38.85 indicates Positive momentum. The RSI at 56.76 is Neutral, neither overbought nor oversold. The STOCH value of 51.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:4015.

Paycloud Holdings Inc. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
84
Outperform
¥15.08B22.88
1.02%7.42%10.13%
78
Outperform
¥13.82B45.46
130.32%215.53%
78
Outperform
¥14.45B34.07
69.06%464.48%
69
Neutral
¥9.32B56.02
67
Neutral
¥14.32B88.21
25.52%282.24%
63
Neutral
$34.04B6.14-11.52%1.82%5.53%-18.79%
45
Neutral
¥10.82B
45.82%-6.97%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:4015
Paycloud Holdings Inc.
869.00
359.00
70.39%
JP:3804
System D Inc.
2,373.00
1,080.33
83.57%
JP:3823
WHY HOW DO COMPANY,Inc.
104.00
71.00
215.15%
JP:4011
Headwaters Co., Ltd.
3,770.00
-1,895.00
-33.45%
JP:5248
TECHNOLOGIES,Inc.
887.00
152.83
20.82%
JP:5591
AVILEN Inc.
1,526.00
-70.00
-4.39%
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: Jun 26, 2025