Fines, Inc. (5125) AI Stock Analysis

• Market Cap: ¥2.49B
• Dividend Yield: N/A
• Average Volume (3M): 5.95K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.43
• Revenue Growth: -4.07%
• EPS Growth: -45.34%
• Country: JP
• Employees: 284
• Sector: Communication Services
• Sector Strength: 81
• Industry: Entertainment
• EPS (TTM): 11.27
• Shares Outstanding: 4,648,400
• 10 Day Avg. Volume: 7,660
• 30 Day Avg. Volume: 5,950
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• P/FCF Ratio: N/A
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: ―

Fines, Inc. presents a stable financial position with no debt and strong equity ratios, lending confidence to its financial health. Challenges in revenue and profitability require attention, but cost management remains effective. Technically, the stock shows stability with limited momentum, and its valuation is attractive. The absence of earnings call data and corporate events suggests a steady outlook with no immediate catalysts for change.

Fines, Inc. Business Overview & Revenue Model

Company Description

Fines, Inc. (5125) is a technology company specializing in the development and deployment of advanced software solutions for regulatory compliance and financial risk management. Operating primarily within the financial services sector, Fines, Inc. provides a comprehensive suite of products designed to assist organizations in navigating complex compliance landscapes, ensuring adherence to industry regulations, and optimizing risk management processes.

How the Company Makes Money

Fines, Inc. generates revenue through a subscription-based model, offering its software solutions as a service (SaaS) to financial institutions and corporations. The company charges clients recurring fees for access to its compliance and risk management platforms, providing different pricing tiers based on the scale and specific needs of the customer. Additionally, Fines, Inc. derives income from professional services, including implementation support, training, and consulting, which help clients maximize the value of their software investments. Strategic partnerships with regulatory bodies and financial associations also enhance the company's market presence, driving further adoption of its products.

Fines, Inc. Financial Statement Overview

Summary

Fines, Inc. demonstrates strong financial stability with no debt and solid equity ratios. While revenue and profit margins have faced downward pressure, the company manages its costs efficiently. Cash flow management remains effective, but declining trends in cash flow could pose future risks. Overall, the company is financially sound but must address profitability challenges.

Income Statement

Fines, Inc. has shown a consistent year-over-year revenue growth until 2023, when it fell by 5.21%. Despite this, gross profit margins remain strong, indicating efficient cost management. However, the net profit margin decreased from 2023 to 2024, reflecting challenges in maintaining profitability. The EBIT and EBITDA margins have also seen declines, suggesting increased operational costs or reduced pricing power.

Balance Sheet

The company maintains a robust financial position with no debt in 2023 and 2024, enhancing financial stability. The equity ratio is high due to strong stockholder equity, indicating a well-capitalized company with low financial risk. Return on equity has been solid, though it decreased in 2024, reflecting reduced profitability.

Cash Flow

Operating cash flow has diminished significantly in 2024, impacting the free cash flow growth negatively. However, the company maintains a high operating cash flow to net income ratio, indicating effective cash management. The free cash flow to net income ratio also remains favorable, but both metrics have been declining, which could affect future financial flexibility.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	2.76B	2.91B	2.60B	2.20B	1.94B
Gross Profit	2.26B	2.44B	2.10B	1.72B	1.45B
EBITDA	375.39M	769.72M	631.97M	398.33M	240.69M
Net Income	238.89M	510.03M	420.32M	256.94M	129.81M
Balance Sheet
Total Assets	2.58B	2.39B	1.48B	1.40B	1.09B
Cash, Cash Equivalents and Short-Term Investments	1.76B	1.74B	965.36M	867.16M	568.00M
Total Debt	0.00	0.00	20.00M	485.53M	583.85M
Total Liabilities	567.08M	638.79M	660.27M	1.01B	957.37M
Stockholders Equity	2.01B	1.75B	818.10M	390.19M	133.25M
Cash Flow
Free Cash Flow	8.05M	449.93M	559.22M	425.20M	232.21M
Operating Cash Flow	151.31M	464.85M	561.61M	431.33M	237.95M
Investing Cash Flow	-141.28M	-83.34M	-3.40M	-33.84M	28.05M
Financing Cash Flow	15.96M	390.30M	-460.01M	-98.32M	-98.97M

Fines, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 537.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5125, the sentiment is Positive. The current price of 537 is above the 20-day moving average (MA) of 532.70, above the 50-day MA of 517.28, and above the 200-day MA of 505.37, indicating a bullish trend. The MACD of 4.15 indicates Negative momentum. The RSI at 60.63 is Neutral, neither overbought nor oversold. The STOCH value of 95.14 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5125.

Fines, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
4519	79 Outperform	$11.35T	27.69	22.80%	3.67%	17.96%	25.65%
4503	73 Outperform	$2.46T	48.15	3.22%	5.34%	19.25%	294.48%
4523	67 Neutral	¥1.13T	24.43	5.34%	4.00%	6.42%	10.82%
5125	66 Neutral	¥2.49B	11.39		―	-4.07%	-45.34%
Sector *	66 Neutral	¥370.28B	13.49	2.24%	2.50%	5.33%	-16.64%
4502	65 Neutral	$6.96T	64.26	1.50%	4.42%	7.45%	-25.77%
4568	58 Neutral	$5.84T	20.10	17.60%	1.91%	17.77%	49.34%