Financial Products Group Co., Ltd. (7148) AI Stock Analysis

• Market Cap: ¥162.52B
• Dividend Yield: 6.91%
• Average Volume (3M): 351.98K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 1.26
• Revenue Growth: 20.40%
• EPS Growth: -9.96%
• Country: JP
• Employees: 355
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Conglomerates
• EPS (TTM): 50.50
• Shares Outstanding: 83,803,600
• 10 Day Avg. Volume: 272,250
• 30 Day Avg. Volume: 351,976
• PEG Ratio: -1.11
• Price to Book (P/B): 3.50
• Price to Sales (P/S): 1.54
• P/FCF Ratio: 1.88
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: ¥2,388.00 ▲(24.38% Upside)

The company's strong financial performance, particularly in revenue growth and profitability, is a key strength. Valuation metrics are favorable, with a low P/E ratio and high dividend yield. However, technical indicators suggest bearish momentum, which could pose short-term risks.

Positive Factors

Revenue Growth

The robust revenue growth indicates effective business expansion and strong market demand for the company's financial products and services.

Profitability

Healthy profit margins suggest the company is effectively managing costs, which supports sustainable profitability and competitive positioning.

Cash Flow Stability

Improved cash flow stability enhances the company's ability to reinvest in growth opportunities and manage financial obligations effectively.

Negative Factors

Leverage Concerns

High leverage could pose risks in volatile markets, potentially impacting financial flexibility and increasing vulnerability to economic downturns.

Cash Flow Volatility

Past volatility in cash generation could affect the company's ability to consistently fund operations and growth initiatives, requiring careful cash management.

Decline in Gross Margin

A decline in gross margin could indicate rising costs or pricing pressures, which may impact future profitability if not addressed.

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

Company Description

Financial 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 Money

Financial Products Group Co., Ltd. generates revenue through several key streams. Primarily, the company earns money from management fees associated with its mutual funds and asset management services, which are charged based on the assets under management (AUM). Additionally, it generates income from premiums collected on its life insurance products. The company also earns advisory fees for providing financial planning and investment advisory services to clients. Significant partnerships with financial institutions and distribution channels enhance its reach and revenue potential. Furthermore, the company's performance-based fees may contribute to its earnings when investment products exceed benchmark returns, incentivizing the firm to maximize client investments.

Financial Products Group Co., Ltd. Financial Statement Overview

Summary

The company demonstrates strong revenue growth and profitability, supported by effective cost management. Improvements in debt management are evident, though leverage remains a concern. Cash flow stability has improved, but historical volatility suggests a need for cautious cash management.

Income Statement

The company exhibits strong revenue growth with a 10.76% increase in the latest year, indicating robust business expansion. Gross profit and net profit margins are healthy, reflecting efficient cost management and profitability. However, a slight decline in gross profit margin from the previous year suggests potential cost pressures.

Balance Sheet

The debt-to-equity ratio has improved significantly, indicating better leverage management, though it remains relatively high, which could pose risks in volatile markets. Return on equity is strong, showcasing effective use of shareholder funds. The equity ratio suggests a stable financial structure but highlights the need for continued focus on reducing debt levels.

Cash Flow

The company has shown a remarkable turnaround in cash flow, with substantial positive operating and free cash flows, indicating improved liquidity and operational efficiency. However, the free cash flow growth rate has been negative in the past, highlighting potential volatility in cash generation.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	117.16B	129.76B	107.78B	71.15B	59.19B	14.92B
Gross Profit	35.09B	36.05B	38.35B	26.31B	18.63B	11.68B
EBITDA	26.47B	27.92B	30.65B	19.24B	13.01B	5.84B
Net Income	17.59B	18.16B	20.46B	12.47B	8.47B	2.95B
Balance Sheet
Total Assets	165.25B	126.86B	230.62B	183.68B	158.05B	91.90B
Cash, Cash Equivalents and Short-Term Investments	16.75B	15.44B	18.45B	16.63B	13.61B	21.29B
Total Debt	97.37B	54.00B	149.62B	112.94B	99.85B	53.50B
Total Liabilities	112.49B	69.67B	177.29B	139.38B	121.89B	62.51B
Stockholders Equity	52.63B	57.06B	53.21B	44.19B	36.07B	29.24B
Cash Flow
Free Cash Flow	0.00	106.08B	-30.32B	-4.59B	-51.16B	26.53B
Operating Cash Flow	0.00	106.22B	-29.27B	4.77B	-50.87B	26.66B
Investing Cash Flow	0.00	806.00M	6.57B	-9.36B	-552.00M	-1.15B
Financing Cash Flow	0.00	-110.87B	24.23B	7.34B	43.65B	-31.92B

Financial Products Group Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1920.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7148, the sentiment is Negative. The current price of 1920 is below the 20-day moving average (MA) of 2053.20, below the 50-day MA of 2084.16, and below the 200-day MA of 2237.06, indicating a bearish trend. The MACD of -6.09 indicates Positive momentum. The RSI at 46.03 is Neutral, neither overbought nor oversold. The STOCH value of 20.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7148.

Financial Products Group Co., Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8609	78 Outperform	¥195.36B	12.72	―	4.01%	-2.39%	-4.54%
8789	70 Neutral	¥29.39B	13.39	―	2.17%	4.53%	29.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8511	67 Neutral	¥180.30B	18.82	6.77%	3.66%	54.96%	-0.61%
7157	67 Neutral	¥160.76B	21.96	―	―	20.22%	19.40%
7148	67 Neutral	¥162.52B	10.05	―	6.91%	20.40%	-9.96%
8698	43 Neutral	¥179.26B	-40.97	-3.97%	4.16%	14.69%	-114.36%

Financial Products Group Co., Ltd. Corporate Events

Financial Partners Group Secures ¥20 Billion Committed Credit Line to Support Fund Businesses

Financial Partners Group Co., Ltd. has renewed a committed credit line and overdraft framework with a financial institution, arranged by Sumitomo Mitsui Banking Corporation, securing a new funding facility of JPY 20 billion available through December 30, 2026 to support flexible fund procurement for its leasing fund, domestic real estate fund, and international real estate fund businesses. The company plans to use this facility to drive business growth and expand profit opportunities while stating that the arrangement will not alter its earnings forecast for the fiscal year ending September 30, 2026, suggesting a focus on reinforcing financial flexibility rather than signaling an immediate change in performance outlook.

The most recent analyst rating on (JP:7148) stock is a Hold with a Yen2388.00 price target. To see the full list of analyst forecasts on Financial Products Group Co., Ltd. stock, see the JP:7148 Stock Forecast page.

Financial Products Group Prepares Response to Japan’s Planned Tax Reform on Fractional Real Estate

Financial Products Group Co., Ltd. has outlined its response to proposed 2026 tax reforms in Japan that would change the inheritance tax valuation of real estate fractional ownership investment products to actual transaction prices, a move that could significantly reduce or eliminate their inheritance and gift tax advantages from January 1, 2027. The company plans to continue selling these products while closely monitoring the final shape of the tax changes, providing detailed explanations to clients, and flexibly adjusting its business policies and product positioning to preserve their appeal as investment assets; it will also reassess and disclose any material impact on its group earnings outlook once the effects on customer demand become clearer.

The most recent analyst rating on (JP:7148) stock is a Hold with a Yen2388.00 price target. To see the full list of analyst forecasts on Financial Products Group Co., Ltd. stock, see the JP:7148 Stock Forecast page.

Financial Partners Group Secures Loan for Real Estate Fund

Financial Partners Group Co., Ltd. has entered into a loan agreement with financial covenants to secure funding for its domestic real estate fund business. This agreement, based on an existing syndicated committed credit line, requires maintaining certain financial metrics, but does not impact the company’s earnings forecast for the fiscal year ending September 30, 2026.

The most recent analyst rating on (JP:7148) stock is a Hold with a Yen2516.00 price target. To see the full list of analyst forecasts on Financial Products Group Co., Ltd. stock, see the JP:7148 Stock Forecast page.

Financial Partners Group Announces Board Member Nominations

Financial Partners Group Co., Ltd. announced its decision to nominate candidates for the roles of Audit & Supervisory Board Members and a Substitute Audit & Supervisory Board Member. This move, resolved at the Board of Directors meeting, will be proposed at the upcoming General Meeting of Shareholders in December 2025. The election aims to fill positions as two current members complete their terms, ensuring continued oversight and governance within the company.

The most recent analyst rating on (JP:7148) stock is a Hold with a Yen2516.00 price target. To see the full list of analyst forecasts on Financial Products Group Co., Ltd. stock, see the JP:7148 Stock Forecast page.

Financial Partners Group Announces Director Nominees for 2025

Financial Partners Group Co., Ltd. has announced its decision to nominate candidates for the Board of Directors, with the proposal set to be presented at the upcoming Ordinary General Meeting of Shareholders in December 2025. This move involves the reelection of all current directors, indicating a strategy to maintain leadership stability and continuity in its governance structure.

The most recent analyst rating on (JP:7148) stock is a Hold with a Yen2516.00 price target. To see the full list of analyst forecasts on Financial Products Group Co., Ltd. stock, see the JP:7148 Stock Forecast page.

Financial Partners Group Announces Year-End Dividend

Financial Partners Group Co., Ltd. announced a year-end dividend of 65.20 yen per share, maintaining its commitment to stable shareholder returns. This decision reflects the company’s policy of paying dividends twice a year, resulting in an annual dividend of 130.40 yen per share for the fiscal year ending September 30, 2025, which is an increase from the previous year’s total dividend.

The most recent analyst rating on (JP:7148) stock is a Hold with a Yen2516.00 price target. To see the full list of analyst forecasts on Financial Products Group Co., Ltd. stock, see the JP:7148 Stock Forecast page.

Financial Products Group Reports 2025 Fiscal Year Results with Increased Sales but Lower Profits

Financial Products Group Co., Ltd. reported its consolidated financial results for the fiscal year ending September 30, 2025, showing a 20.4% increase in net sales to 129,764 million yen. However, the company experienced declines in operating income and profit attributable to owners of the parent, with decreases of 11.2% and 11.2% respectively. The company also highlighted changes in its scope of consolidation, including the addition of two new companies, and adjustments in accounting policies. Despite these challenges, the company forecasts a slight increase in net sales and significant improvements in operating and ordinary income for the next fiscal year.

The most recent analyst rating on (JP:7148) stock is a Hold with a Yen2516.00 price target. To see the full list of analyst forecasts on Financial Products Group Co., Ltd. stock, see the JP:7148 Stock Forecast page.