Japan Living Warranty, Inc. (JP:7320)
:7320
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Japan Living Warranty, Inc.
(7320)
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Rating:44Neutral
Price Target:
¥1,764.00
▲(25.37% Upside)
Action:Reiterated
Date: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
Revenue Growth
Sustained top-line growth (double-digit recent year increase) indicates the company is expanding market share or adoption of its software. Durable revenue momentum supports investment in product development and sales capacity, enabling scale benefits and longer-term margin recovery if fixed costs are leveraged.
Negative Factors
Negative Profitability
Persistent negative net income and EBITDA highlight structural profitability issues: pricing, cost base, or business mix problems. Until margins recover, losses will limit retained earnings, hinder reinvestment capacity, and may force reliance on external financing or cost cuts that could slow strategic initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained top-line growth (double-digit recent year increase) indicates the company is expanding market share or adoption of its software. Durable revenue momentum supports investment in product development and sales capacity, enabling scale benefits and longer-term margin recovery if fixed costs are leveraged.
Read all positive factors
Japan Living Warranty, Inc. (7320) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥21.13B
Dividend Yield0.98%
Average Volume (3M)46.68K
Price to Earnings (P/E)11.7
Beta (1Y)0.64
Revenue Growth12.68%
EPS Growth-144.14%
CountryJP
Employees236
SectorIndustrials
Sector Strength72
IndustrySoftware - Application
Share Statistics
EPS (TTM)-13.99
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
1613.16
Positive
1537.51
Positive
1762.61
Positive
Market Momentum
12.25
Negative
65.52
Neutral
67.59
Neutral
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 1621.00, below the 50-day MA of 1613.16, and below the 200-day MA of 1762.61, indicating a bullish trend. The MACD of 12.25 indicates Negative momentum. The RSI at 65.52 is Neutral, neither overbought nor oversold. The STOCH value of 67.59 is Neutral, 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 | ¥25.80B | 48.67 | ― | ― | 21.50% | 81.42% | |
75 Outperform | ¥13.92B | 8.73 | ― | 3.14% | 6.92% | 15.75% | |
70 Outperform | ¥9.18B | 12.97 | ― | 1.48% | 12.08% | 12.32% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
50 Neutral | ¥2.87B | 19.01 | ― | 0.72% | -5.33% | -250.59% | |
44 Neutral | ¥21.13B | 11.65 | ― | 0.98% | 12.68% | -144.14% | |
43 Neutral | ¥13.59B | 174.45 | ― | ― | 50.61% | -44.96% |
* Industrials Sector Average
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Japan Living Warranty, Inc. Corporate Events
Solvvy posts sharp profit rebound and raises shareholder returns outlook
May 18, 2026
Solvvy Inc. reported consolidated net sales of ¥5.24 billion for the nine months ended March 31, 2026, up 12.5% year on year, with operating profit edging up 2.0% to ¥1.07 billion and ordinary profit rising 19.3% to ¥1.62 billion. P...
Solvvy and JACCS Forge Capital and Business Alliance for Housing DX and Warranty Expansion
May 15, 2026
Solvvy Inc. has entered into a basic capital and business alliance agreement with consumer finance company JACCS CO., LTD. to jointly develop a digital transformation platform for Japan’s home renovation market. Leveraging Solvvy’s Saa...
Solvvy Posts Record Q3 Results and Expands Housing Finance Platform
May 15, 2026
Solvvy Inc., a Tokyo Stock Exchange Growth Market-listed company, specializes in housing sector consulting and financial solutions tied to homeowner data and pre-owned housing and renovation markets. Its business model increasingly centers on stoc...
Solvvy Advances Share Buyback, Acquires 55,900 Shares by End of April
May 7, 2026
Solvvy Inc. reported the status of its ongoing share buyback program authorized by its board in February 2026 under provisions of the Companies Act. During the period from April 1 to April 30, 2026, the company repurchased 11,500 of its own shares...
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...
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.