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Paycloud Holdings Inc. (JP:4015)
:4015
Japanese Market
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Paycloud Holdings Inc. (4015) AI Stock Analysis

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JP:4015

Paycloud Holdings Inc.

(4015)

Rating:60Neutral
Price Target:
¥813.00
▲(11.22%Upside)
Paycloud Holdings Inc. scores a 60, driven by strong financial performance and cash flow management, offset by technical indicators suggesting potential short-term weakness and a high P/E ratio indicating overvaluation. The absence of earnings call insights or notable corporate events leaves these areas neutral in the evaluation.

Paycloud Holdings Inc. (4015) vs. iShares MSCI Japan ETF (EWJ)

Paycloud Holdings Inc. Business Overview & Revenue Model

Company DescriptionPaycloud Holdings Inc. (4015) is a leading financial technology company specializing in cloud-based payment solutions. The company operates in the fintech sector, offering a range of services including digital payment processing, mobile wallet services, and secure transaction platforms for businesses and consumers. Paycloud Holdings Inc. aims to simplify and streamline payment processes by leveraging advanced cloud technology, ensuring fast and secure transactions across various digital channels.
How the Company Makes MoneyPaycloud Holdings Inc. generates revenue primarily through transaction fees, subscription models, and service charges. The company partners with businesses to integrate its payment solutions into their platforms, earning a percentage of each transaction processed through its systems. Additionally, Paycloud offers subscription-based services for businesses that require advanced features such as analytics, fraud detection, and custom integrations, thereby providing a steady stream of recurring revenue. Strategic partnerships with banks, e-commerce platforms, and other financial institutions enhance its market reach and contribute to its earnings by driving more transactions through its network.

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
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.
BreakdownSep 2024Sep 2023Sep 2022Sep 2021Sep 2020
Income Statement
Total Revenue6.85B4.48B1.17B1.46B1.20B
Gross Profit3.01B2.30B747.52M1.03B773.45M
EBITDA703.61M493.38M-1.74B314.03M170.97M
Net Income74.15M114.13M-1.83B229.21M143.96M
Balance Sheet
Total Assets8.26B4.40B3.86B3.39B1.05B
Cash, Cash Equivalents and Short-Term Investments3.23B1.49B1.09B560.69M700.35M
Total Debt1.84B1.26B1.93B1.80B100.00M
Total Liabilities4.05B2.24B2.42B2.08B634.27M
Stockholders Equity4.22B2.16B1.43B1.31B420.62M
Cash Flow
Free Cash Flow989.93M430.94M-407.57M-132.63M368.31M
Operating Cash Flow1.16B561.86M-218.22M46.59M416.77M
Investing Cash Flow-19.77M-87.64M-194.09M-2.51B-42.81M
Financing Cash Flow121.07M-80.73M-96.72M2.32B74.25M

Paycloud Holdings Inc. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price731.00
Price Trends
50DMA
810.00
Negative
100DMA
716.86
Positive
200DMA
621.08
Positive
Market Momentum
MACD
-26.97
Positive
RSI
33.52
Neutral
STOCH
5.09
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 731 is below the 20-day moving average (MA) of 830.25, below the 50-day MA of 810.00, and above the 200-day MA of 621.08, indicating a neutral trend. The MACD of -26.97 indicates Positive momentum. The RSI at 33.52 is Neutral, neither overbought nor oversold. The STOCH value of 5.09 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

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
¥15.37B23.32
1.00%7.42%10.13%
69
Neutral
¥9.79B58.85
67
Neutral
¥14.70B90.55
25.52%282.24%
63
Neutral
$34.78B5.17-11.38%1.67%5.54%-17.15%
62
Neutral
¥13.08B29.69
69.06%464.48%
60
Neutral
¥11.63B42.96
62.19%40.77%
41
Neutral
¥8.74B
99.79%7.36%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:4015
Paycloud Holdings Inc.
731.00
132.00
22.04%
JP:3804
System D Inc.
2,400.00
1,025.80
74.65%
JP:3823
WHY HOW DO COMPANY,Inc.
84.00
53.00
170.97%
JP:4011
Headwaters Co., Ltd.
3,870.00
-1,320.00
-25.43%
JP:5248
TECHNOLOGIES,Inc.
773.00
48.00
6.62%
JP:5591
AVILEN Inc.
1,603.00
76.00
4.98%
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: Jul 15, 2025