Paycloud Holdings Inc. (JP:4015)
:4015
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Paycloud Holdings Inc.
(4015)
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Rating:63Neutral
Price Target:
¥426.00
▼(-14.11% Downside)
Action:ReiteratedDate:04/15/26
The score is primarily supported by solid financial performance driven by strong recent free cash flow and improved balance-sheet leverage. This is held back by weak technicals (downtrend with negative momentum) and an elevated P/E ratio without a provided dividend yield to offset valuation risk.
Positive Factors
Free cash flow growth
Sustained and growing free cash flow provides durable internal funding for capex, product development, or debt reduction. The jump to ¥1.39B in 2025 versus ¥0.54B in 2023 indicates improving cash conversion and operational resilience, supporting long-term financial flexibility and strategic options.
Negative Factors
Gross margin compression
A sharp decline in gross margins erodes the firm's core profitability and indicates weaker pricing power or rising unit costs. Persistently lower gross margins limit the scope for funding SG&A and R&D from core operations, reducing long-term operating leverage and increasing sensitivity to cost inflation or competitive pricing pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Free cash flow growth
Sustained and growing free cash flow provides durable internal funding for capex, product development, or debt reduction. The jump to ¥1.39B in 2025 versus ¥0.54B in 2023 indicates improving cash conversion and operational resilience, supporting long-term financial flexibility and strategic options.
Read all positive factors
Paycloud Holdings Inc. (4015) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥7.17B
Dividend YieldN/A
Average Volume (3M)105.06K
Price to Earnings (P/E)37.5
Beta (1Y)0.91
Revenue Growth49.33%
EPS Growth104.72%
CountryJP
Employees276
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)5.21
Shares Outstanding15,963,148
10 Day Avg. Volume184,500
30 Day Avg. Volume105,060
Financial Highlights & Ratios
PEG Ratio1.15
Price to Book (P/B)2.52
Price to Sales (P/S)1.12
P/FCF Ratio8.24
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 ...
How the Company Makes Money
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Paycloud Holdings Inc. Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
70
Positive
Cash Flow
82
Very Positive
| Breakdown | Aug 2025 | Aug 2024 | Aug 2023 | Aug 2022 | Aug 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 10.23B | 6.85B | 4.48B | 1.17B | 1.46B |
| Gross Profit | 3.75B | 3.01B | 2.30B | 747.52M | 1.01B |
| EBITDA | 1.19B | 696.26M | 497.63M | -123.23M | 341.94M |
| Net Income | 143.75M | 74.15M | 114.13M | -1.83B | 229.21M |
Balance Sheet | |||||
| Total Assets | 9.54B | 8.26B | 4.40B | 4.04B | 3.39B |
| Cash, Cash Equivalents and Short-Term Investments | 4.37B | 3.23B | 1.49B | 1.09B | 560.69M |
| Total Debt | 1.77B | 1.84B | 1.26B | 1.93B | 1.80B |
| Total Liabilities | 5.01B | 4.05B | 2.24B | 2.61B | 2.08B |
| Stockholders Equity | 4.53B | 4.22B | 2.16B | 1.43B | 1.31B |
Cash Flow | |||||
| Free Cash Flow | 1.39B | 1.16B | 542.00M | -226.96M | 37.56M |
| Operating Cash Flow | 1.41B | 1.16B | 561.86M | -218.22M | 46.59M |
| Investing Cash Flow | -272.80M | -19.77M | -87.64M | -194.09M | -2.51B |
| Financing Cash Flow | 10.99M | 121.07M | -80.73M | -96.72M | 2.32B |
Paycloud Holdings Inc. Technical Analysis
Negative
496.00
Price Trends
470.14
Negative
488.75
Negative
596.02
Negative
Market Momentum
-8.16
Positive
29.28
Positive
24.72
Neutral
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 496 is above the 20-day moving average (MA) of 452.10, above the 50-day MA of 470.14, and below the 200-day MA of 596.02, indicating a bearish trend. The MACD of -8.16 indicates Positive momentum. The RSI at 29.28 is Positive, neither overbought nor oversold. The STOCH value of 24.72 is Neutral, 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥18.70B | 30.80 | ― | 3.14% | 0.50% | -2.92% | |
68 Neutral | ¥31.66B | 20.63 | ― | 4.58% | 4.58% | -15.00% | |
64 Neutral | ¥35.02B | 20.10 | ― | ― | 27.97% | -5.25% | |
63 Neutral | ¥7.17B | 37.46 | ― | ― | 49.33% | 104.72% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
59 Neutral | ¥8.76B | 54.21 | ― | 0.12% | 37.21% | 129.72% | |
49 Neutral | ¥23.99B | 39.28 | ― | ― | 20.84% | 10.41% |
* Technology Sector Average
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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.