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Financial Products Group Co., Ltd. (JP:7148)
:7148
Japanese Market
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Financial Products Group Co., Ltd. (7148) AI Stock Analysis

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JP:7148

Financial Products Group Co., Ltd.

(7148)

Rating:71Outperform
Price Target:
¥2,596.00
▲(6.57% Upside)
The stock's overall score is driven by strong financial performance, particularly in revenue growth and operational efficiency, despite challenges in cash flow and leverage. Valuation metrics suggest the stock is attractively priced, with a high dividend yield. Technical indicators are neutral, reflecting a lack of strong momentum in either direction.

Financial Products Group Co., Ltd. (7148) vs. iShares MSCI Japan ETF (EWJ)

Financial Products Group Co., Ltd. Business Overview & Revenue Model

Company DescriptionFinancial Products Group Co., Ltd. provides various financial services in Japan. The company is involved in the leasing fund business for aircraft, marine transport containers, and ships. It also engages in the real estate fund, insurance sales, M and A advisory, FinTech, private equity, security, and trust businesses. In addition, the company provides doctor transportation services. Financial Products Group Co., Ltd. was incorporated in 2001 and is headquartered in Tokyo, Japan.
How the Company Makes MoneyFinancial Products Group Co., Ltd. primarily generates revenue through the leasing and installment sales of real estate properties. The company acquires real estate, which it then leases out to generate rental income or sells through installment plans, providing a steady revenue stream. Additionally, the company offers various financial services such as consulting and asset management, earning fees and commissions. These services are often enhanced through strategic partnerships with financial institutions and other real estate enterprises, which help broaden their client base and increase their service offerings.

Financial Products Group Co., Ltd. Financial Statement Overview

Summary
The company shows strong revenue growth and operational performance, but faces challenges in cash flow management and high leverage. The balance sheet is stable, but high debt levels pose potential risks.
Income Statement
85
Very Positive
The company demonstrated strong revenue growth, increasing from ¥59.19 billion in 2022 to ¥107.78 billion in 2024, reflecting a robust growth trajectory. Gross profit margin and EBIT margin are healthy, indicating efficient cost management and operational effectiveness. However, the net profit margin slightly decreased from 19.0% in 2023 to 18.9% in 2024, suggesting a slight pressure on profitability.
Balance Sheet
78
Positive
The company maintains a strong equity base, with stockholders' equity increasing from ¥36.07 billion in 2022 to ¥53.21 billion in 2024. The debt-to-equity ratio is high, reflecting significant leverage which poses potential risks in a volatile market environment. However, the equity ratio is stable, indicating a solid capital structure.
Cash Flow
60
Neutral
The company faces challenges in cash flow management, with negative free cash flow in recent periods. Operating cash flow was negative in 2024, which could impact liquidity if not addressed. The free cash flow to net income ratio is unfavorable, highlighting issues in translating earnings into cash.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue120.56B107.78B71.15B59.19B14.92B12.71B
Gross Profit37.94B38.35B26.31B18.63B11.68B7.94B
EBITDA29.33B30.65B19.24B13.01B5.84B3.37B
Net Income19.77B20.46B12.47B8.47B2.95B1.14B
Balance Sheet
Total Assets169.91B230.62B183.68B158.05B91.90B132.85B
Cash, Cash Equivalents and Short-Term Investments18.02B18.45B16.63B13.61B39.82B27.79B
Total Debt96.13B149.62B112.94B99.85B53.50B96.03B
Total Liabilities114.36B177.29B139.38B121.89B62.51B105.37B
Stockholders Equity55.41B53.21B44.19B36.07B29.24B27.22B
Cash Flow
Free Cash Flow0.00-30.32B-4.59B-51.16B26.53B12.13B
Operating Cash Flow0.00-29.27B4.77B-50.87B26.66B12.20B
Investing Cash Flow0.006.57B-9.36B-552.00M-1.15B-2.17B
Financing Cash Flow0.0024.23B7.34B43.65B-31.92B-891.04M

Financial Products Group Co., Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price2436.00
Price Trends
50DMA
2377.34
Positive
100DMA
2335.19
Positive
200DMA
2442.90
Positive
Market Momentum
MACD
26.78
Negative
RSI
56.44
Neutral
STOCH
58.91
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7148, the sentiment is Positive. The current price of 2436 is above the 20-day moving average (MA) of 2417.45, above the 50-day MA of 2377.34, and below the 200-day MA of 2442.90, indicating a bullish trend. The MACD of 26.78 indicates Negative momentum. The RSI at 56.44 is Neutral, neither overbought nor oversold. The STOCH value of 58.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7148.

Financial Products Group Co., Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
71
Outperform
¥195.22B11.74
5.99%12.19%-3.58%
68
Neutral
$18.05B11.7310.24%3.73%9.66%1.70%
€922.20M15.017.25%
$1.36B9.85-5.08%4.25%
74
Outperform
¥151.60B13.75
4.45%-5.10%-9.68%
71
Outperform
¥25.17B12.78
1.34%21.87%-19.19%
64
Neutral
¥171.93B27.36
22.42%5.10%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7148
Financial Products Group Co., Ltd.
2,453.00
369.58
17.74%
DE:JSE
Japan Securities Finance Co
10.40
-1.07
-9.33%
MNXBF
Monex Group
6.15
2.14
53.37%
JP:7157
Lifenet Insurance Company
2,140.00
493.00
29.93%
JP:8609
Okasan Securities Group Inc.
678.00
63.09
10.26%
JP:8789
Fintech Global Incorporated
124.00
50.50
68.71%

Financial Products Group Co., Ltd. Corporate Events

Financial Products Group Co., Ltd. Reports Q3 2025 Financial Results
Jul 31, 2025

Financial Products Group Co., Ltd. reported its consolidated financial results for the third quarter ending June 30, 2025, showing an 11.5% increase in net sales compared to the previous year. However, the company’s operating income, ordinary income, and profit attributable to owners of the parent all declined by 16.5%, 14.0%, and 17.2% respectively. The company also announced a dividend forecast for the fiscal year ending September 30, 2025, with no revisions to the latest forecast. The financial results indicate a challenging period for the company despite increased sales, with implications for stakeholders regarding profitability and dividend expectations.

Financial Partners Group Secures JPY 22 Billion Loan for Shibuya Project
Jun 20, 2025

Financial Partners Group Co., Ltd. has entered into a JPY 22.0 billion loan agreement with financial covenants to fund a large-scale real estate project in Shibuya-ku, Tokyo. This strategic move aims to support the company’s growth in the real estate sector, with no expected changes to its earnings forecast for the fiscal year ending September 30, 2025.

Financial Partners Group Secures Loan for Real Estate Fund Business
Jun 6, 2025

Financial Partners Group Co., Ltd. has entered into a loan agreement with financial covenants to secure funding for its domestic real estate fund business. The agreement, based on an existing syndicated committed credit line, requires maintaining certain financial conditions, including net assets and income levels, but does not alter the company’s earnings forecast for the fiscal year ending September 30, 2025.

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.Date of analysis: Aug 13, 2025