Finatext Holdings Ltd. (JP:4419)
:4419
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Finatext Holdings Ltd.
(4419)
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Rating:62Neutral
Price Target:
¥1,140.00
▲(15.27% Upside)
Action:ReiteratedDate:03/07/26
The score is driven primarily by strong revenue growth and improving margins, tempered by negative operating/free cash flow. Technical indicators are broadly neutral to slightly weak (negative MACD and below longer-term moving averages), and the high P/E reduces the valuation component.
Positive Factors
Sustained revenue growth (~43%)
A ~43% revenue increase shows durable demand for the company’s fintech platforms and services. Strong top-line expansion over multiple periods supports scalable unit economics, greater bargaining power with clients, and provides a runway to invest in product and customer success, aiding sustainable growth.
Negative Factors
Negative operating cash flow
Persistent negative operating cash flow (-945M yen) indicates earnings are not yet fully converting to cash. This undermines liquidity and may force reliance on external financing to sustain growth, increasing funding risk and potentially constraining investments or margin improvements over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue growth (~43%)
A ~43% revenue increase shows durable demand for the company’s fintech platforms and services. Strong top-line expansion over multiple periods supports scalable unit economics, greater bargaining power with clients, and provides a runway to invest in product and customer success, aiding sustainable growth.
Read all positive factors
Finatext Holdings Ltd. (4419) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥53.87B
Dividend YieldN/A
Average Volume (3M)456.30K
Price to Earnings (P/E)44.6
Beta (1Y)0.89
Revenue Growth29.31%
EPS Growth62.60%
CountryJP
Employees294
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)5.54
Shares Outstanding51,898,340
10 Day Avg. Volume838,120
30 Day Avg. Volume456,300
Financial Highlights & Ratios
PEG Ratio-0.07
Price to Book (P/B)4.88
Price to Sales (P/S)5.76
P/FCF Ratio-45.60
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)36
Revenue Forecast (FY)¥14.47B
Finatext Holdings Ltd. Business Overview & Revenue Model
Company Description
Finatext Holdings Ltd. engages in the fintech solution, big data analysis, and financial infrastructure businesses in Japan. The company provides Cloud-native and API based financial infrastructure that offers BaaS for wealth management providers ...
How the Company Makes Money
null...
Finatext Holdings Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.16B | 7.70B | 5.38B | 3.82B | 2.72B | 2.06B |
| Gross Profit | 5.48B | 5.13B | 3.23B | 2.10B | 1.67B | 1.37B |
| EBITDA | 1.13B | 1.07B | 294.69M | -271.01M | -517.11M | -505.49M |
| Net Income | 909.31M | 659.72M | -78.45M | -388.02M | -669.94M | -759.42M |
Balance Sheet | ||||||
| Total Assets | 17.98B | 19.03B | 20.18B | 17.71B | 15.85B | 12.66B |
| Cash, Cash Equivalents and Short-Term Investments | 6.67B | 4.45B | 4.77B | 5.35B | 5.79B | 4.32B |
| Total Debt | 1.87B | 1.60B | 666.80M | 37.50M | 138.00M | 363.00M |
| Total Liabilities | 7.90B | 9.40B | 11.45B | 8.91B | 6.67B | 6.17B |
| Stockholders Equity | 9.51B | 9.10B | 8.22B | 8.29B | 8.59B | 5.76B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -973.43M | -987.82M | -272.57M | -1.53B | -1.81B |
| Operating Cash Flow | 0.00 | -945.21M | -938.06M | -179.51M | -1.53B | -1.75B |
| Investing Cash Flow | 0.00 | -489.84M | -343.67M | -233.63M | -279.40M | -26.37M |
| Financing Cash Flow | 0.00 | 1.04B | 684.02M | -32.08M | 3.27B | -126.75M |
Finatext Holdings Ltd. Technical Analysis
Positive
989.00
Price Trends
907.70
Positive
937.89
Positive
1077.78
Negative
Market Momentum
40.80
Negative
59.85
Neutral
87.59
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4419, the sentiment is Positive. The current price of 989 is above the 20-day moving average (MA) of 975.10, above the 50-day MA of 907.70, and below the 200-day MA of 1077.78, indicating a neutral trend. The MACD of 40.80 indicates Negative momentum. The RSI at 59.85 is Neutral, neither overbought nor oversold. The STOCH value of 87.59 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:4419.
Finatext Holdings Ltd. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥8.85B | 20.41 | ― | 0.47% | 19.35% | 71.74% | |
71 Outperform | ¥6.87B | 11.52 | ― | 1.18% | 6.95% | -9.62% | |
64 Neutral | ¥651.79B | 35.93 | 20.54% | 1.47% | 11.81% | 16.69% | |
62 Neutral | ¥53.87B | 44.64 | ― | ― | 29.31% | 62.60% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
59 Neutral | ¥13.75B | -351.13 | 6.02% | ― | -7.33% | 441.81% | |
57 Neutral | ¥8.67B | 86.07 | ― | ― | 7.00% | -244.58% |
* Technology Sector Average
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Finatext Holdings Ltd. Corporate Events
Finatext Rides Strong Q3 Growth Toward Aggressive FY2025 Targets
Feb 10, 2026
Finatext Holdings Ltd. reported third-quarter fiscal 2025 revenue of 7,282 million yen, a 40% year-on-year increase, with 46 financial infrastructure partners, up 14 from the previous fiscal year-end. EBITDA reached 1,069 million yen with a 15% ma...
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.
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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.