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PLAID Inc. (JP:4165)
:4165
Japanese Market
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PLAID Inc. (4165) AI Stock Analysis

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JP:4165

PLAID Inc.

(4165)

Rating:58Neutral
Price Target:
¥1,166.00
▲(1.13%Upside)
PLAID Inc. shows strong financial performance with consistent revenue growth and improved profitability, which are the primary factors driving the score. However, technical indicators suggest bearish momentum, and a high P/E ratio indicates potential overvaluation. The lack of dividend yield further impacts the valuation score. No earnings call or corporate events data were available to influence the overall assessment.

PLAID Inc. (4165) vs. iShares MSCI Japan ETF (EWJ)

PLAID Inc. Business Overview & Revenue Model

Company DescriptionPLAID Inc. (4165) is a technology company focused on data solutions and software services. The company specializes in providing data analytics platforms that help businesses understand consumer behavior and preferences. Its core products include advanced analytics tools and platforms designed to enhance customer experience insights and optimize business strategies across various sectors, including retail, finance, and digital services.
How the Company Makes MoneyPLAID Inc. generates revenue primarily through the sale of its data analytics software solutions and services. The company offers subscription-based pricing models for its platforms, which provide recurring revenue streams. Additionally, PLAID Inc. partners with businesses to offer customized data solutions, enabling companies to leverage analytics for strategic decision-making. Key revenue streams include software licensing fees, subscription fees, and professional services for data integration and analysis. Partnerships with industry leaders and continuous innovation in their platform offerings significantly contribute to the company's earnings.

PLAID Inc. Financial Statement Overview

Summary
PLAID Inc. has demonstrated significant revenue growth and improved profitability with strong margins and a positive net income. The balance sheet is stable with reduced leverage, and the recent positive free cash flow indicates potential for sustainable operations. However, past operational and cash flow challenges present some risks.
Income Statement
78
Positive
PLAID Inc. has shown strong revenue growth with a 59% increase from 2020 to 2024 (TTM). The company has improved profitability significantly, moving from negative net income in previous years to a positive net income of ¥628.76 million in 2024 (TTM). The gross profit margin stands at 71.85%, indicating strong cost management. The EBIT and EBITDA margins have improved significantly from negative values in 2020 to positive in 2024 (TTM), reflecting operational efficiency improvements. However, the company experienced a period of negative EBIT and EBITDA, indicating past operational challenges.
Balance Sheet
70
Positive
PLAID Inc. exhibits a healthy balance sheet with an equity ratio of 50.88% in 2024 (TTM), reflecting a solid capital structure. The debt-to-equity ratio has decreased over time from 0.56 in 2020 to 0.32 in 2024 (TTM), indicating reduced leverage and financial risk. Return on Equity (ROE) improved to 17.63% in 2024 (TTM), showcasing effective use of equity to generate profits. Despite these strengths, fluctuations in stockholders' equity and liabilities highlight potential financial volatility.
Cash Flow
65
Positive
PLAID Inc. has demonstrated a significant turnaround in free cash flow, moving from negative to positive free cash flow of ¥842.86 million in 2024. However, the operating cash flow to net income ratio is not calculable due to zero operating cash flow in the latest period, which raises concerns about cash generation from operations. The historical negative operating cash flow indicates past struggles in generating cash from core activities, although recent free cash flow improvements are promising.
BreakdownSep 2024Sep 2023Sep 2022Sep 2021Sep 2020
Income Statement
Total Revenue10.99B8.63B7.30B5.44B4.01B
Gross Profit7.87B6.24B5.37B3.99B2.85B
EBITDA142.95M-1.88B-779.95M-63.41M-1.17B
Net Income320.73M-2.11B-1.01B-106.65M-1.21B
Balance Sheet
Total Assets7.30B6.22B7.09B6.98B3.07B
Cash, Cash Equivalents and Short-Term Investments4.74B3.83B4.24B4.17B2.09B
Total Debt1.32B1.38B1.84B916.09M897.76M
Total Liabilities4.10B3.47B3.02B2.03B1.46B
Stockholders Equity3.15B2.60B4.06B4.86B1.60B
Cash Flow
Free Cash Flow842.86M-371.80M-883.55M391.12M-1.08B
Operating Cash Flow900.48M-325.09M-809.23M410.90M-1.01B
Investing Cash Flow-49.69M-89.00M-135.11M-1.33B-167.44M
Financing Cash Flow66.77M905.00K1.01B3.00B1.90B

PLAID Inc. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1153.00
Price Trends
50DMA
1159.20
Negative
100DMA
1128.96
Positive
200DMA
1099.52
Positive
Market Momentum
MACD
-7.51
Negative
RSI
52.90
Neutral
STOCH
70.97
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4165, the sentiment is Positive. The current price of 1153 is above the 20-day moving average (MA) of 1109.95, below the 50-day MA of 1159.20, and above the 200-day MA of 1099.52, indicating a neutral trend. The MACD of -7.51 indicates Negative momentum. The RSI at 52.90 is Neutral, neither overbought nor oversold. The STOCH value of 70.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:4165.

PLAID Inc. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (57)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
¥23.82B18.98
3.60%7.87%4.99%
73
Outperform
¥45.97B24.36
1.01%8.10%0.69%
70
Neutral
¥60.02B
24.24%-6.95%
58
Neutral
¥47.37B51.54
25.28%
57
Neutral
HK$14.57B5.76-5.77%4.75%9.65%-43.80%
55
Neutral
¥38.80B
17.02%-314.32%
45
Neutral
¥17.76B
26.31%-56.42%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:4165
PLAID Inc.
1,153.00
194.00
20.23%
JP:3983
ORO Co. Ltd.
2,975.00
469.52
18.74%
JP:4192
SpiderPlus & Co.
508.00
15.00
3.04%
JP:4259
ExaWizards Inc.
448.00
135.00
43.13%
JP:4333
Toho System Science Co., Ltd.
1,251.00
-334.63
-21.10%
JP:4375
Safie Inc.
1,081.00
290.00
36.66%

PLAID Inc. Corporate Events

PLAID Inc. Issues New Restricted Shares to Boost Corporate Value
Jun 26, 2025

PLAID Inc. announced the issuance of 55,047 new restricted shares to executives and an employee as part of an incentive plan to enhance corporate value and align interests with shareholders. This strategic move is designed to encourage long-term commitment from key personnel, with restrictions on share transfers over several years, potentially impacting the company’s operational stability and market perception positively.

The most recent analyst rating on (JP:4165) stock is a Sell with a Yen790.00 price target. To see the full list of analyst forecasts on PLAID Inc. stock, see the JP:4165 Stock Forecast page.

PLAID Inc. Reports Strong Financial Growth in Q2 FY2025
May 15, 2025

PLAID Inc. reported significant financial growth for the second quarter of the fiscal year ending September 30, 2025, with a notable increase in net sales and operating income compared to the previous year. The company’s improved financial performance reflects its strategic positioning and operational efficiency, which may have positive implications for stakeholders and enhance its competitive standing in the industry.

The most recent analyst rating on (JP:4165) stock is a Sell with a Yen790.00 price target. To see the full list of analyst forecasts on PLAID Inc. stock, see the JP:4165 Stock Forecast page.

PLAID Inc. Revises Earnings Guidance Upward for FY 2025
May 15, 2025

PLAID Inc. has revised its full-year consolidated earnings guidance for the fiscal year ending September 30, 2025. The company expects adjusted operating income and operating income to significantly exceed previous forecasts due to steady net sales and improved productivity, which has lowered the SG&A-to-sales ratio.

The most recent analyst rating on (JP:4165) stock is a Sell with a Yen790.00 price target. To see the full list of analyst forecasts on PLAID Inc. stock, see the JP:4165 Stock Forecast page.

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