Ai Partners Financial Inc. (7345) AI Stock Analysis

• Market Cap: ¥1.99B
• Dividend Yield: 0.65%
• Average Volume (3M): 3.48K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.46
• Revenue Growth: 1.87%
• EPS Growth: 51.81%
• Country: JP
• Employees: 39
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 4.87
• Shares Outstanding: 3,534,800
• 10 Day Avg. Volume: 3,580
• 30 Day Avg. Volume: 3,476
• PEG Ratio: 0.87
• Price to Book (P/B): 3.08
• Price to Sales (P/S): 0.51
• P/FCF Ratio: -191.51
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 53 Neutral
• Price Target: ¥629.00 ▲(2.44% Upside)

The overall stock score of 53 reflects significant financial challenges, particularly in profitability and cash flow management, which weigh heavily on the score. While technical analysis shows a moderately positive trend, the negative P/E ratio and low dividend yield further dampen the stock's attractiveness. The absence of earnings call data and corporate events limits additional insights.

Positive Factors

Business Model Innovation

The integration of AI in financial services positions the company as a leader in fintech, offering innovative solutions that could drive long-term growth and competitive advantage.

Revenue Diversification

A diversified revenue stream through various models reduces dependency on any single source, enhancing financial stability and resilience in changing market conditions.

Strategic Partnerships

Collaborations with established institutions can expand market reach and provide access to new technologies, supporting sustained growth and innovation.

Negative Factors

Profitability Challenges

Sustained profitability challenges could hinder reinvestment in growth initiatives and limit the company's ability to weather economic downturns.

Cash Flow Management

Negative cash flow from operations suggests difficulties in covering operational expenses, potentially affecting liquidity and financial flexibility.

Revenue Decline

A declining revenue trend may indicate weakening demand or competitive pressures, which could impact long-term growth prospects and market position.

Ai Partners Financial Inc. Business Overview & Revenue Model

Company Description

Ai Partners Financial Inc. (7345) is a financial technology company specializing in artificial intelligence-driven solutions for investment management and financial services. The company operates in the fintech sector, providing innovative tools for asset management, risk assessment, and personalized financial planning. Its core products include AI-powered analytics platforms, robo-advisory services, and automated trading systems designed to enhance decision-making for both individual investors and institutional clients.

How the Company Makes Money

Ai Partners Financial Inc. generates revenue through multiple streams. Primarily, it earns money by offering subscription-based access to its AI analytics platforms and robo-advisory services, allowing clients to leverage advanced algorithms for investment strategies. Additionally, the company generates fees from asset management services, where it charges a percentage of assets under management (AUM). Partnerships with financial institutions and brokerages also contribute to its earnings, as these collaborations often involve revenue-sharing agreements for utilizing Ai Partners' technology within their services. Furthermore, Ai Partners may engage in performance-based fees tied to the profitability of investment portfolios, providing an incentive for clients to utilize their advanced tools.

Ai Partners Financial Inc. Financial Statement Overview

Summary

Ai Partners Financial Inc. faces significant financial challenges, particularly in terms of profitability and cash flow management. The income statement reveals declining revenue and negative net income, indicating profitability issues. The balance sheet shows low leverage but a decreasing equity ratio, and the cash flow statement highlights potential cash management issues with negative operating cash flow in 2025.

Income Statement

The income statement reveals a challenging financial situation. The company experienced a decline in total revenue from 2024 to 2025, with a negative net income in 2025 indicating profitability issues. The gross profit margin decreased slightly, and the EBIT margin turned negative, highlighting operational inefficiencies. Revenue growth has been inconsistent, with a notable decline in 2025.

Balance Sheet

The balance sheet indicates a moderate financial position. The debt-to-equity ratio is low, suggesting conservative leverage, which is a positive aspect. However, the equity ratio has decreased over time, indicating a potential increase in financial risk. The return on equity is negative in 2025 due to the net loss, which is a concern for shareholders.

Cash Flow

The cash flow statement shows mixed results. Operating cash flow turned negative in 2025, indicating potential cash management issues. Free cash flow also declined significantly, which could affect future investments and debt servicing. Despite these challenges, the company has managed to maintain a positive free cash flow in previous years, suggesting some resilience.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.74B	3.80B	3.73B	3.00B	3.81B	4.03B
Gross Profit	748.46M	751.93M	771.00M	665.21M	862.75M	1.05B
EBITDA	16.59M	19.31M	36.83M	-93.96M	131.97M	259.89M
Net Income	-10.62M	-9.73M	7.43M	-131.91M	64.87M	152.98M
Balance Sheet
Total Assets	1.00B	1.00B	1.08B	998.65M	1.21B	1.12B
Cash, Cash Equivalents and Short-Term Investments	488.00M	495.29M	518.73M	541.00M	664.56M	526.22M
Total Debt	7.39M	15.90M	24.01M	31.97M	10.69M	15.35M
Total Liabilities	401.00M	369.88M	449.19M	363.43M	334.81M	623.18M
Stockholders Equity	603.00M	630.26M	634.10M	635.22M	870.67M	494.43M
Cash Flow
Free Cash Flow	0.00	-10.15M	10.89M	-75.24M	-80.08M	290.99M
Operating Cash Flow	0.00	-3.02M	14.49M	-61.53M	-60.06M	311.95M
Investing Cash Flow	0.00	-5.44M	-6.62M	-12.58M	-35.65M	-19.47M
Financing Cash Flow	0.00	-14.97M	-31.45M	-108.50M	294.40M	-4.32M

Ai Partners Financial Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 614.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7345, the sentiment is Positive. The current price of 614 is above the 20-day moving average (MA) of 611.10, above the 50-day MA of 606.70, and above the 200-day MA of 585.61, indicating a bullish trend. The MACD of 0.28 indicates Positive momentum. The RSI at 52.10 is Neutral, neither overbought nor oversold. The STOCH value of 44.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7345.

Ai Partners Financial Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
3121	54 Neutral	¥7.92B	62.11	―	0.85%	―	―
7345	53 Neutral	¥1.99B	-172.28	―	0.65%	1.87%	51.81%
7162	48 Neutral	¥3.12B	-6.73	―	3.00%	21.67%	-214.76%
8518	46 Neutral	€5.04B	65.75	4.15%	―	-6.60%	―
3113	39 Underperform	¥5.56B	-6.13	―	―	-42.35%	42.01%