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Bank of Innovation, Inc.
(4393)
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Rating:67Neutral
Price Target:
¥5,512.00
▼(-9.93% Downside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid financial performance—exceptional recent revenue growth, improving margins, and a strong balance sheet with low leverage—tempered by weakening operating margins and cash-flow volatility. Technicals are moderately constructive in the short term but still below the 200-day average, and valuation is supportive with a relatively low P/E.
Positive Factors
Recent strong revenue growth and healthy gross margins
An 82.3% year-over-year revenue jump with a 48.5% gross margin and improved net margin indicates expanding customer adoption and durable unit economics. Over 2–6 months this supports reinvestment in digital channels, scale advantages, and sustained ability to fund product growth without relying on volatile funding.
Negative Factors
Declining EBIT and EBITDA margins
Falling operating margins suggest rising operating costs or adverse business mix that can erode core profitability even if net margin recently improved. Over months this pressures sustainable earnings power and requires structural cost or pricing fixes to protect long-term profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Recent strong revenue growth and healthy gross margins
An 82.3% year-over-year revenue jump with a 48.5% gross margin and improved net margin indicates expanding customer adoption and durable unit economics. Over 2–6 months this supports reinvestment in digital channels, scale advantages, and sustained ability to fund product growth without relying on volatile funding.
Read all positive factors
Bank of Innovation, Inc. (4393) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥19.20B
Dividend YieldN/A
Average Volume (3M)85.91K
Price to Earnings (P/E)11.5
Beta (1Y)0.79
Revenue Growth-3.50%
EPS Growth209.08%
CountryJP
Employees247
SectorGeneral
Sector StrengthN/A
IndustryElectronic Gaming & Multimedia
Share Statistics
EPS (TTM)428.50
Shares Outstanding4,003,000
10 Day Avg. Volume56,820
30 Day Avg. Volume85,910
Financial Highlights & Ratios
PEG Ratio0.46
Price to Book (P/B)5.54
Price to Sales (P/S)2.60
P/FCF Ratio11.37
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
Bank of Innovation, Inc. Business Overview & Revenue Model
Company Description
Headquartered in Tokyo, Japan, Bank of Innovation, Inc. specializes in the development and operation of games for smartphones. The company, which was established in 2006, offers titles such as Mitrasphere and Cryptotract....
How the Company Makes Money
The company primarily makes money through standard banking revenue streams: (1) Net interest income, earned from the spread between interest income generated on loans and other interest-earning assets and the interest paid on customer deposits and...
Bank of Innovation, Inc. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
65
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 11.95B | 12.37B | 13.62B | 21.33B | 2.43B | 2.13B |
| Gross Profit | 5.34B | 7.24B | 7.32B | 11.86B | 606.97M | 471.06M |
| EBITDA | 2.31B | 2.17B | 1.35B | 4.91B | -1.00B | -801.03M |
| Net Income | 1.70B | 1.35B | 895.00M | 3.29B | -838.45M | -541.59M |
Balance Sheet | ||||||
| Total Assets | 8.31B | 8.54B | 5.82B | 8.09B | 2.04B | 2.47B |
| Cash, Cash Equivalents and Short-Term Investments | 5.68B | 5.39B | 2.90B | 5.42B | 1.04B | 1.67B |
| Total Debt | 0.00 | 13.00M | 200.00M | 555.00M | 1.28B | 1.45B |
| Total Liabilities | 1.67B | 2.73B | 1.35B | 4.41B | 1.64B | 1.75B |
| Stockholders Equity | 6.64B | 5.82B | 4.47B | 3.68B | 399.32M | 722.29M |
Cash Flow | ||||||
| Free Cash Flow | 2.83B | 2.83B | -1.74B | 5.16B | -974.50M | -735.35M |
| Operating Cash Flow | 2.87B | 2.87B | -1.72B | 5.21B | -974.29M | -729.83M |
| Investing Cash Flow | 123.00M | 123.00M | -428.00M | -278.00M | 96.36M | -65.44M |
| Financing Cash Flow | -188.00M | -188.00M | -462.00M | -739.00M | 349.19M | -74.92M |
Bank of Innovation, Inc. Technical Analysis
Positive
6120.00
Price Trends
4887.10
Positive
5010.70
Positive
5731.25
Negative
Market Momentum
41.17
Negative
55.06
Neutral
81.67
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4393, the sentiment is Positive. The current price of 6120 is above the 20-day moving average (MA) of 4897.50, above the 50-day MA of 4887.10, and above the 200-day MA of 5731.25, indicating a neutral trend. The MACD of 41.17 indicates Negative momentum. The RSI at 55.06 is Neutral, neither overbought nor oversold. The STOCH value of 81.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:4393.
Bank of Innovation, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | ¥19.20B | 11.52 | ― | ― | -3.50% | 209.08% | |
61 Neutral | ¥8.59B | 13.39 | ― | ― | -23.76% | -54.87% | |
58 Neutral | ¥12.78B | 5.43 | ― | ― | 16.24% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ¥72.00B | 31.26 | 2.38% | 5.42% | -8.43% | -5.44% | |
54 Neutral | ¥13.64B | 8.89 | ― | ― | 2.70% | -28.19% | |
42 Neutral | ¥18.79B | -2.98 | ― | ― | -17.15% | -70.83% |
* General Sector Average
JP:4393
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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.