Finatext Holdings Ltd. (JP:4419)
:4419
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Finatext Holdings Ltd.
(4419)
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Rating:64Neutral
Price Target:
¥1,348.00
▲(36.30% Upside)
Action:Reiterated
Date:05/15/26
The score is anchored by improving financial results (strong growth and a profitability inflection) but is capped by persistently negative operating/free cash flow, which raises earnings-quality and funding-risk concerns. Technicals are supportive with a strong trend and positive momentum, while valuation is somewhat demanding at ~32x earnings.
Positive Factors
Revenue growth & profitability turnaround
Sustained double‑digit revenue growth combined with a rapid move to mid‑teens net margin indicates strengthening product‑market fit and scalable unit economics. This durable improvement supports reinvestment, margin expansion, and a more stable earnings base over the next 2–6 months and beyond if trends persist.
Negative Factors
Persistent negative operating and free cash flow
A repeated gap between reported profits and cash generation undermines earnings quality and indicates ongoing cash burn from working capital or investments. Unless operating cash flow normalizes, the business will remain dependent on external financing, which is a structural risk to sustainability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth & profitability turnaround
Sustained double‑digit revenue growth combined with a rapid move to mid‑teens net margin indicates strengthening product‑market fit and scalable unit economics. This durable improvement supports reinvestment, margin expansion, and a more stable earnings base over the next 2–6 months and beyond if trends persist.
Read all positive factors
Finatext Holdings Ltd. (4419) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥64.77B
Dividend YieldN/A
Average Volume (3M)456.30K
Price to Earnings (P/E)43.5
Beta (1Y)0.90
Revenue Growth43.50%
EPS Growth126.40%
CountryJP
Employees294
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)17.80
Shares Outstanding51,898,340
10 Day Avg. Volume838,120
30 Day Avg. Volume456,300
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)4.52
Price to Sales (P/S)4.44
P/FCF Ratio-140.29
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)36.3
Revenue Forecast (FY)¥14.74B
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
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Finatext Holdings Ltd. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.16B | 11.05B | 7.70B | 5.38B | 3.82B | 2.72B |
| Gross Profit | 5.48B | 7.65B | 5.13B | 3.23B | 2.10B | 1.67B |
| EBITDA | 1.13B | 2.08B | 1.07B | 294.69M | -271.01M | -517.11M |
| Net Income | 909.31M | 1.51B | 659.72M | -78.45M | -388.02M | -669.94M |
Balance Sheet | ||||||
| Total Assets | 17.98B | 23.29B | 19.03B | 20.18B | 17.71B | 15.85B |
| Cash, Cash Equivalents and Short-Term Investments | 6.67B | 3.93B | 4.45B | 4.77B | 5.35B | 5.79B |
| Total Debt | 1.87B | 1.72B | 1.60B | 666.80M | 37.50M | 138.00M |
| Total Liabilities | 7.90B | 11.73B | 9.40B | 11.45B | 8.91B | 6.67B |
| Stockholders Equity | 9.51B | 10.85B | 9.10B | 8.22B | 8.29B | 8.59B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -349.42M | -973.43M | -987.82M | -272.57M | -1.53B |
| Operating Cash Flow | 0.00 | -267.44M | -945.21M | -938.06M | -179.51M | -1.53B |
| Investing Cash Flow | 0.00 | -431.82M | -489.84M | -343.67M | -233.63M | -279.40M |
| Financing Cash Flow | 0.00 | 159.35M | 1.04B | 684.02M | -32.08M | 3.27B |
Finatext Holdings Ltd. Technical Analysis
Positive
989.00
Price Trends
1091.68
Positive
993.83
Positive
1081.35
Positive
Market Momentum
35.21
Positive
59.24
Neutral
61.05
Neutral
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 below the 20-day moving average (MA) of 1190.20, below the 50-day MA of 1091.68, and below the 200-day MA of 1081.35, indicating a bullish trend. The MACD of 35.21 indicates Positive momentum. The RSI at 59.24 is Neutral, neither overbought nor oversold. The STOCH value of 61.05 is Neutral, 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 | ¥9.74B | 15.91 | ― | 0.47% | 17.60% | 71.29% | |
71 Outperform | ¥6.36B | 12.60 | ― | 1.18% | 12.84% | 24.85% | |
67 Neutral | ¥647.09B | 27.87 | 20.54% | 1.47% | 11.96% | 18.70% | |
64 Neutral | ¥64.77B | 43.51 | ― | ― | 43.50% | 126.40% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | ¥9.18B | 26.93 | ― | ― | 7.92% | ― | |
54 Neutral | ¥11.94B | 59.86 | 6.02% | ― | -0.99% | 44.52% |
* Technology Sector Average
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Finatext Holdings Ltd. Corporate Events
Finatext Lifts Revenue 43% and Sets Ambitious Growth Targets for FY2026
May 12, 2026
Finatext Holdings Ltd. reported FY2025 revenue of 11,052 million yen, up 43% year on year, with EBITDA of 2,270 million yen for a 21% margin and net income attributable to owners of the parent of 1,513 million yen, a 14% margin. The company also e...
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.