Paycloud Holdings Inc. (JP:4015)
:4015
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Paycloud Holdings Inc.
(4015)
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Rating:65Neutral
Price Target:
¥503.00
▲(1.41% Upside)
Action:ReiteratedDate:04/25/26
The score is driven primarily by solid financial performance—especially strong recent free cash flow and improved leverage—tempered by margin compression and historical volatility. Technical signals are currently weak (negative MACD, sub-50 RSI, and price below longer-term moving averages), while valuation appears moderate based on the provided P/E.
Positive Factors
Strong free cash flow generation
Consistent and growing free cash flow provides durable internal funding for capex, R&D and potential buybacks or debt reduction. Over the medium term this lowers reliance on external financing, increases strategic optionality, and supports reinvestment even during revenue swings.
Negative Factors
Material gross margin compression
Sustained decline in gross margin erodes the firm's core profitability and reduces the scope for SG&A absorption. Without structural pricing power or cost base improvement, margin compression constrains long-term operating cash flow and reduces resilience to revenue slowdowns.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong free cash flow generation
Consistent and growing free cash flow provides durable internal funding for capex, R&D and potential buybacks or debt reduction. Over the medium term this lowers reliance on external financing, increases strategic optionality, and supports reinvestment even during revenue swings.
Read all positive factors
Paycloud Holdings Inc. (4015) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥7.40B
Dividend YieldN/A
Average Volume (3M)105.06K
Price to Earnings (P/E)23.2
Beta (1Y)0.77
Revenue Growth4.31%
EPS Growth-77.64%
CountryJP
Employees276
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)5.21
Shares Outstanding16,017,147
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
466.02
Negative
486.95
Negative
589.71
Negative
Market Momentum
-7.66
Positive
45.65
Neutral
64.66
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 449.35, above the 50-day MA of 466.02, and below the 200-day MA of 589.71, indicating a bearish trend. The MACD of -7.66 indicates Positive momentum. The RSI at 45.65 is Neutral, neither overbought nor oversold. The STOCH value of 64.66 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 | ¥18.52B | 30.80 | ― | 3.14% | 1.82% | 3.55% | |
70 Outperform | ¥25.32B | 13.84 | ― | 4.58% | 6.58% | 35.23% | |
65 Neutral | ¥7.40B | 23.23 | ― | ― | 4.31% | -77.64% | |
65 Neutral | ¥9.33B | 54.21 | ― | 0.12% | 38.82% | -57.61% | |
64 Neutral | ¥33.73B | 20.10 | ― | ― | 29.71% | 434.24% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
49 Neutral | ¥23.39B | 39.28 | ― | ― | 12.99% | -60.61% |
* 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.