Japan Living Warranty, Inc. (JP:7320)
:7320
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Japan Living Warranty, Inc.
(7320)
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Rating:44Neutral
Price Target:
¥1,683.00
▲(19.62% Upside)
Action:ReiteratedDate:11/21/25
The overall stock score is primarily impacted by the company's financial performance, which shows strong revenue growth but significant profitability challenges. Technical analysis indicates bearish momentum, and valuation metrics suggest the stock is not attractively valued. These factors collectively result in a lower overall score.
Positive Factors
Consistent Revenue Growth
Sustained top-line growth indicates expanding adoption of the company's warranty services and supports recurring revenue potential. Over 2-6 months this trend underpins capacity to scale operations, invest in service capabilities, and capture share in home-warranty markets, strengthening long-term revenue resilience.
Negative Factors
Negative Net Income and EBITDA
Persistent negative net income and EBITDA point to underlying profitability issues that can erode retained capital and limit reinvestment. If losses persist, the company may face pressure on margins, slower product/service development, and constrained ability to fund growth organically over several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Sustained top-line growth indicates expanding adoption of the company's warranty services and supports recurring revenue potential. Over 2-6 months this trend underpins capacity to scale operations, invest in service capabilities, and capture share in home-warranty markets, strengthening long-term revenue resilience.
Read all positive factors
Japan Living Warranty, Inc. (7320) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥20.20B
Dividend Yield0.98%
Average Volume (3M)46.68K
Price to Earnings (P/E)8.9
Beta (1Y)0.58
Revenue Growth18.21%
EPS Growth-179.11%
CountryJP
Employees236
SectorIndustrials
Sector Strength72
IndustrySoftware - Application
Share Statistics
EPS (TTM)N/A
Shares Outstanding11,997,254
10 Day Avg. Volume33,800
30 Day Avg. Volume46,680
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)4.42
Price to Sales (P/S)2.75
P/FCF Ratio8.84
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)N/A
Revenue Forecast (FY)N/A
Japan Living Warranty, Inc. Business Overview & Revenue Model
Company Description
Solvvy Inc., provides warranty services and software as a service (SaaS) products. The Company offers warranty, inspection, and maintenance services, comprising home appliance warranty, long-term building guarantee, earthquake guarantee, ground co...
How the Company Makes Money
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Japan Living Warranty, Inc. Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 6.71B | 5.36B | 3.92B | 3.31B | 2.62B |
| Gross Profit | 4.81B | 4.00B | 2.79B | 2.19B | 1.66B |
| EBITDA | -604.05M | 1.52B | 1.18B | 857.85M | 460.03M |
| Net Income | -628.14M | 973.30M | 751.28M | 546.44M | 243.22M |
Balance Sheet | |||||
| Total Assets | 29.62B | 24.59B | 20.10B | 16.22B | 14.47B |
| Cash, Cash Equivalents and Short-Term Investments | 3.41B | 2.80B | 4.40B | 3.76B | 5.87B |
| Total Debt | 2.28B | 2.51B | 2.29B | 1.44B | 652.88M |
| Total Liabilities | 25.43B | 21.59B | 18.16B | 14.98B | 13.69B |
| Stockholders Equity | 4.17B | 3.01B | 1.95B | 1.24B | 779.32M |
Cash Flow | |||||
| Free Cash Flow | 2.09B | 539.65M | 1.63B | -482.37M | 4.81B |
| Operating Cash Flow | 2.10B | 922.42M | 1.86B | 292.82M | 5.12B |
| Investing Cash Flow | -1.34B | -2.09B | -1.90B | -3.17B | -1.63B |
| Financing Cash Flow | -549.55M | 168.00M | 783.35M | 748.24M | 420.13M |
Japan Living Warranty, Inc. Technical Analysis
Positive
1407.00
Price Trends
1544.16
Positive
1515.40
Positive
1763.60
Negative
Market Momentum
38.84
Negative
59.61
Neutral
86.50
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7320, the sentiment is Positive. The current price of 1407 is below the 20-day moving average (MA) of 1611.25, below the 50-day MA of 1544.16, and below the 200-day MA of 1763.60, indicating a neutral trend. The MACD of 38.84 indicates Negative momentum. The RSI at 59.61 is Neutral, neither overbought nor oversold. The STOCH value of 86.50 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7320.
Japan Living Warranty, Inc. Peers Comparison
UnderperformOutperform
Sector (63)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ¥30.42B | 4.78 | ― | ― | 40.99% | -36.76% | |
75 Outperform | ¥14.76B | 9.32 | ― | 3.14% | 3.58% | 0.23% | |
74 Outperform | ¥9.57B | 13.21 | ― | 1.48% | 17.83% | 34.25% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
50 Neutral | ¥2.89B | -14.10 | ― | 0.72% | 4.40% | -336.50% | |
44 Neutral | ¥20.20B | 8.93 | ― | 0.98% | 18.21% | -179.11% | |
42 Neutral | ¥9.22B | 184.47 | ― | ― | 34.56% | 4.59% |
* Industrials Sector Average
JP:7320
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Japan Living Warranty, Inc. Corporate Events
Solvvy Reports Initial Progress on ¥300 Million Share Buyback Program
Apr 3, 2026
Solvvy Inc. has disclosed the progress of its share buyback program authorized under the Companies Act, reporting the acquisition of 44,400 of its own common shares on the Tokyo Stock Exchange between March 1 and March 31, 2026. The total outlay f...
Solvvy Details Earnings Recovery, GIGA Warranty Strategy and AI Use in Investor Q&A
Mar 31, 2026
Solvvy Inc. has published a detailed QA addressing investor inquiries following its second-quarter results for the fiscal year ending June 30, 2026, clarifying the causes of an earlier earnings shortfall and outlining its recovery. Management expl...
Solvvy Reports No Share Buybacks Yet Under Newly Approved Repurchase Program
Mar 2, 2026
Solvvy Inc. reported that it acquired no shares under its ongoing share repurchase program during the period from February 16 to February 28, 2026, resulting in zero shares bought and no funds deployed. The buyback framework, authorized by the boa...
Solvvy Hits Record Q2 Sales, Lifts Expansion Beyond Housing and Launches Share Buyback
Feb 19, 2026
Solvvy Inc. reported record-high net sales for the second quarter of FY2026 and ordinary profit exceeding 1 billion yen, achieving its first-half plan and maintaining its full-year earnings outlook. Strong performance in housing-related warranty p...
Solvvy Posts Strong Profit Growth and Hikes Dividend Despite Lower Operating Margin
Feb 16, 2026
Solvvy Inc. reported consolidated net sales of ¥3,276 million for the six months to December 31, 2025, up 9.9% year on year, while operating profit fell 16.6% to ¥557 million but ordinary profit rose 21.9% to ¥1,044 million. Profit ...
Solvvy Launches Share Buyback of Up to 1.88% of Outstanding Stock
Feb 13, 2026
Solvvy Inc. has announced that its board of directors has approved a share buyback program, authorizing the repurchase of up to 220,000 common shares, equivalent to 1.88% of its outstanding shares excluding treasury stock. The company plans to spe...
Solvvy Confirms Interim Dividend and Signals Higher Annual Payout
Feb 13, 2026
Solvvy Inc. has approved an interim dividend of 10 yen per share for shareholders of record on December 31, 2025, totaling 116 million yen and payable on March 16, 2026. The payout, funded from retained earnings, aligns with the company’s pr...
Solvvy Misses Interim Sales and Operating Profit Forecasts but Keeps Full-Year Outlook
Feb 13, 2026
Solvvy Inc. reported that net sales and operating profit for the second quarter of the fiscal year ending June 30, 2026, fell short of earlier forecasts, with net sales down about 9% and operating profit down over 30%, mainly because the company c...
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.