HUGroup Holdings (4544) AI Stock Analysis

• Market Cap: ¥214.66B
• Dividend Yield: 3.35%
• Average Volume (3M): 275.70K
• Price to Earnings (P/E): 153.8
• Beta (1Y): 0.45
• Revenue Growth: 2.15%
• EPS Growth: N/A
• Country: JP
• Employees: 5,295
• Sector: Healthcare
• Sector Strength: 45
• Industry: Medical - Diagnostics & Research
• EPS (TTM): -21.08
• Shares Outstanding: 57,479,023
• 10 Day Avg. Volume: 310,690
• 30 Day Avg. Volume: 275,703
• PEG Ratio: -0.41
• Price to Book (P/B): 1.14
• Price to Sales (P/S): 0.64
• P/FCF Ratio: 8.72
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥3,400.06
• Price Target Upside: -8.82% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 62 Neutral
• Price Target: ¥4,184.00 ▲(12.20% Upside)

HUGroup Holdings shows a strong recovery in revenue growth, contributing positively to its financial performance score. However, high P/E ratio and overbought technical indicators suggest caution. The stable balance sheet and dividend yield provide some support, but profitability and cash flow management need improvement for a higher score.

HUGroup Holdings Business Overview & Revenue Model

Company Description

HUGroup Holdings (4544) is a diversified financial services company based in Japan, primarily engaged in the insurance and asset management sectors. The company offers a range of products and services, including life insurance, non-life insurance, and investment management solutions, catering to both individual and corporate clients. With a focus on innovation and customer-centric solutions, HUGroup Holdings aims to enhance financial security and wealth management for its clients.

How the Company Makes Money

HUGroup Holdings generates revenue primarily through its insurance premiums from life and non-life insurance policies. The company collects premiums from policyholders in exchange for coverage against various risks, which constitutes a significant portion of its revenue stream. Additionally, HUGroup Holdings earns money through investment income generated from the premiums it collects, as these funds are invested in various financial instruments. The company also benefits from asset management fees charged to clients who utilize its investment management services. Strategic partnerships with financial institutions and distribution networks further bolster its earnings, allowing for a wider reach and customer base, thereby contributing to its overall revenue growth.

HUGroup Holdings Financial Statement Overview

Summary

HUGroup Holdings is navigating through a phase of recovery with improving operating margins and a robust equity base. While revenue growth has been modest, the recovery in EBIT and EBITDA margins suggests operational improvements. The balance sheet remains strong, although rising debt levels warrant attention. Cash flow management appears to be improving, but past volatility suggests the need for cautious cash flow strategies moving forward.

Income Statement

HUGroup Holdings has shown fluctuating revenue trends with a recent annual growth rate of 2.56%. Gross profit margins have been relatively stable, averaging around 27% over the years, but there was a significant dip in net income during 2024. The company has managed to recover its EBIT and EBITDA margins in 2025, indicating some operational recovery.

Balance Sheet

The company's balance sheet reflects strong equity, with a moderate debt-to-equity ratio of 0.63 in 2025. There is a consistent high equity ratio averaging around 48%, indicating a strong capital base. However, the increase in total debt over the years suggests a potential leverage risk.

Cash Flow

HUGroup Holdings has seen volatility in its free cash flow, with a significant recovery in 2025 after a negative free cash flow in 2024. The operating cash flow to net income ratio is robust, indicating efficient cash generation relative to net income. However, the fluctuations in free cash flow highlight potential cash management challenges.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	244.95B	243.03B	236.95B	260.91B	272.94B	223.02B
Gross Profit	68.59B	66.72B	63.23B	89.92B	111.80B	76.21B
EBITDA	25.18B	24.55B	13.65B	43.08B	56.34B	33.63B
Net Income	1.36B	2.76B	-7.55B	15.68B	29.60B	17.47B
Balance Sheet
Total Assets	271.17B	279.58B	290.85B	297.92B	286.59B	252.75B
Cash, Cash Equivalents and Short-Term Investments	36.05B	40.88B	39.95B	44.41B	46.71B	42.96B
Total Debt	70.31B	86.65B	81.94B	77.16B	73.00B	80.45B
Total Liabilities	139.16B	142.28B	148.34B	147.88B	146.41B	137.45B
Stockholders Equity	131.85B	137.29B	142.50B	150.04B	140.18B	115.31B
Cash Flow
Free Cash Flow	17.11B	17.88B	-1.01B	10.85B	20.10B	14.40B
Operating Cash Flow	20.26B	21.96B	16.55B	32.53B	55.23B	35.59B
Investing Cash Flow	-12.68B	-15.96B	-16.05B	-29.58B	-30.86B	-28.27B
Financing Cash Flow	-5.34B	-5.30B	-5.78B	-5.76B	-21.73B	-1.57B

HUGroup Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3729.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4544, the sentiment is Positive. The current price of 3729 is below the 20-day moving average (MA) of 3776.95, above the 50-day MA of 3635.39, and above the 200-day MA of 3023.96, indicating a neutral trend. The MACD of 70.04 indicates Positive momentum. The RSI at 52.19 is Neutral, neither overbought nor oversold. The STOCH value of 13.75 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:4544.

HUGroup Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
9776	―	¥3.94B	7.91	―	2.05%	2.23%	12.02%
4694	―	€144.33B	21.67	5.29%	3.28%	5.31%	7.90%
4671	―	¥25.47B	13.45	―	5.06%	1.01%	13.91%
4886	―	¥57.64B	12.11	―	2.48%	6.23%	-31.45%
4549	―	¥75.24B	20.10	―	2.38%	4.36%	79.43%
4544	―	¥214.66B	153.81	0.95%	3.35%	2.15%	―
Sector *	―	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%

HUGroup Holdings Corporate Events

H.U. Group Completes Treasury Stock Acquisition

H.U. Group Holdings, Inc. has completed the acquisition of 1,350,400 of its common shares, totaling approximately 4.99 billion yen, through market purchases on the Tokyo Stock Exchange. This acquisition is part of a previously resolved plan by the Board of Directors to repurchase up to 2.5 million shares, aiming to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (JP:4544) stock is a Hold with a Yen4184.00 price target. To see the full list of analyst forecasts on HUGroup Holdings stock, see the JP:4544 Stock Forecast page.

H.U. Group Holdings Reports No Treasury Stock Acquisition in September

H.U. Group Holdings, Inc. announced that it has not acquired any treasury stock during the period from September 1 to September 30, 2025, despite a resolution to acquire up to 2,500,000 shares. The company had planned to repurchase shares as part of a strategy to manage its capital structure, but no shares were acquired during the specified period, potentially impacting its financial strategies and market perception.

The most recent analyst rating on (JP:4544) stock is a Hold with a Yen3489.00 price target. To see the full list of analyst forecasts on HUGroup Holdings stock, see the JP:4544 Stock Forecast page.

H.U. Group Holdings Introduces Stock Grant ESOP Trust to Boost Employee Engagement

H.U. Group Holdings has introduced a ‘Stock Grant ESOP Trust’ to incentivize managers and employees by granting them company shares, aiming to boost engagement and retention. This plan is part of their strategy to align employee interests with corporate goals, enhancing sustainable value creation and corporate value.

The most recent analyst rating on (JP:4544) stock is a Hold with a Yen3489.00 price target. To see the full list of analyst forecasts on HUGroup Holdings stock, see the JP:4544 Stock Forecast page.

H.U. Group Holdings Revises Earnings Forecast Following Asset Sales

H.U. Group Holdings has announced the sale of certain non-current assets and shares, resulting in extraordinary income and a revised full-year earnings forecast for the fiscal year ending March 2026. These transactions are part of the company’s strategic plan to optimize capital allocation and improve capital efficiency, which is expected to increase the company’s return on equity.

The most recent analyst rating on (JP:4544) stock is a Hold with a Yen3489.00 price target. To see the full list of analyst forecasts on HUGroup Holdings stock, see the JP:4544 Stock Forecast page.

H.U. Group Transfers Majority Stake in Care’x to Wakita

H.U. Group Holdings has decided to transfer 80% of its shares in Care’x Inc. to Wakita & Co., aiming to enhance Care’x’s growth potential by leveraging Wakita’s strategic investments in the nursing care market. This move aligns with H.U. Group’s strategy to improve capital efficiency and focus on investment returns, while Care’x will benefit from Wakita’s expertise and resources to navigate the competitive welfare equipment rental market.

The most recent analyst rating on (JP:4544) stock is a Hold with a Yen3927.00 price target. To see the full list of analyst forecasts on HUGroup Holdings stock, see the JP:4544 Stock Forecast page.

H.U. Group Holdings Reports No Treasury Stock Acquisitions

H.U. Group Holdings announced that despite a resolution to acquire up to 2,500,000 of its own shares, no shares were acquired during the specified period from August 1 to August 29, 2025. This decision, initially resolved at a Board of Directors meeting in May 2025, was intended to be executed through market purchases on the Tokyo Stock Exchange, with a total acquisition cost of up to ¥5 billion. The lack of acquisition could impact the company’s stock valuation and shareholder expectations.

The most recent analyst rating on (JP:4544) stock is a Hold with a Yen3927.00 price target. To see the full list of analyst forecasts on HUGroup Holdings stock, see the JP:4544 Stock Forecast page.

H.U. Group Holdings Reports Q1 2025 Financial Results with Optimistic Outlook

H.U. Group Holdings reported its consolidated financial results for the three months ending June 30, 2025, showing a 3.2% increase in net sales compared to the previous year. Despite the rise in sales, the company faced a loss attributable to owners of the parent, indicating challenges in profitability. The financial outlook for the fiscal year ending March 31, 2026, remains optimistic with expected growth in net sales and operating profit, suggesting a potential recovery in the company’s financial performance.

The most recent analyst rating on (JP:4544) stock is a Hold with a Yen2700.00 price target. To see the full list of analyst forecasts on HUGroup Holdings stock, see the JP:4544 Stock Forecast page.

H.U. Group Holdings Reports No Treasury Stock Acquisition

H.U. Group Holdings announced that it did not acquire any treasury stock during the specified period from July 1 to July 31, 2025, despite a prior resolution to purchase up to 2,500,000 shares. This lack of acquisition may impact the company’s stock market strategy and shareholder value, as the intended market purchases were not executed.

The most recent analyst rating on (JP:4544) stock is a Hold with a Yen3000.00 price target. To see the full list of analyst forecasts on HUGroup Holdings stock, see the JP:4544 Stock Forecast page.