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ONDECK Co., Ltd. (JP:7360)
:7360
Japanese Market

ONDECK Co., Ltd. (7360) AI Stock Analysis

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JP:7360

ONDECK Co., Ltd.

(7360)

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Neutral 47 (OpenAI - 5.2)
Rating:47Neutral
Price Target:
¥809.00
▼(-5.71% Downside)
Action:ReiteratedDate:01/16/26
The score is held back primarily by unstable profitability and cash generation (sharp 2025 deterioration and negative operating cash flow), despite a conservatively leveraged balance sheet. Technicals are neutral-to-mixed and valuation is constrained by current losses (negative P/E).
Positive Factors
Conservative balance sheet
Very low leverage provides durable financial flexibility and lowers insolvency risk across downturns. This structural strength supports survival through weak operating periods, gives access to financing optionality, and preserves capacity to invest when revenues recover.
Negative Factors
Severe revenue decline
A near-50% revenue contraction materially erodes scale and weakens competitive position. Structural top-line losses impair fixed-cost absorption, reduce pricing power, and extend recovery timelines, forcing strategic trade-offs and making multi-quarter rebounding of profitability uncertain.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage provides durable financial flexibility and lowers insolvency risk across downturns. This structural strength supports survival through weak operating periods, gives access to financing optionality, and preserves capacity to invest when revenues recover.
Read all positive factors

ONDECK Co., Ltd. (7360) vs. iShares MSCI Japan ETF (EWJ)

ONDECK Co., Ltd. Business Overview & Revenue Model

Company Description
ONDECK Co., Ltd. (7360) is a company that operates in the technology sector, primarily focusing on providing digital solutions and IT services. The company offers a range of products and services that cater to the needs of businesses and individua...
How the Company Makes Money
ONDECK Co., Ltd. generates revenue through a diversified model that includes the sale of digital solutions, IT services, and consultancy. The company earns money by providing tailored software solutions, offering IT support services, and engaging ...

ONDECK Co., Ltd. Financial Statement Overview

Summary
Balance sheet is a clear strength with very low leverage (78 score), but operating results and cash flow are weak and volatile. The company swung from strong profitability in 2024 to meaningful losses in 2025 alongside a sharp revenue decline, and operating cash flow/FCF also turned negative again (Income Statement 32; Cash Flow 35).
Income Statement
32
Negative
Balance Sheet
78
Positive
Cash Flow
35
Negative
BreakdownNov 2025Nov 2024Nov 2023Nov 2022Nov 2021
Income Statement
Total Revenue864.42M1.67B826.66M1.34B778.76M
Gross Profit316.66M960.29M299.66M706.05M390.58M
EBITDA-211.09M365.92M-181.31M220.69M45.63M
Net Income-151.64M239.07M-152.76M151.32M22.79M
Balance Sheet
Total Assets1.16B1.68B1.02B1.77B1.33B
Cash, Cash Equivalents and Short-Term Investments664.47M888.56M520.79M1.38B1.07B
Total Debt36.67M46.67M0.0014.26M48.56M
Total Liabilities202.73M575.99M159.21M503.64M210.11M
Stockholders Equity952.54M1.10B865.14M1.27B1.12B
Cash Flow
Free Cash Flow0.00410.75M-535.87M337.63M-23.26M
Operating Cash Flow-218.25M411.15M-509.44M347.11M-7.74M
Investing Cash Flow4.15M-90.02M-77.72M-4.09M-23.13M
Financing Cash Flow-10.00M46.63M-268.11M-34.35M503.99M

ONDECK Co., Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price858.00
Price Trends
50DMA
798.76
Negative
100DMA
806.06
Negative
200DMA
851.54
Negative
Market Momentum
MACD
-9.43
Positive
RSI
47.78
Neutral
STOCH
36.88
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7360, the sentiment is Negative. The current price of 858 is above the 20-day moving average (MA) of 789.15, above the 50-day MA of 798.76, and above the 200-day MA of 851.54, indicating a bearish trend. The MACD of -9.43 indicates Positive momentum. The RSI at 47.78 is Neutral, neither overbought nor oversold. The STOCH value of 36.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7360.

ONDECK 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
74
Outperform
¥7.14B4.164.08%-10.65%-19.65%
71
Outperform
¥50.27B10.124.36%1.14%-16.88%
68
Neutral
¥13.97B6.172.60%3.54%-11.21%-44.89%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
65
Neutral
¥7.22B6.673.66%4.48%19.69%
50
Neutral
¥5.16B12.651.12%-34.90%-1619.67%
47
Neutral
¥2.26B-14.0120.14%278.37%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7360
ONDECK Co., Ltd.
790.00
13.00
1.67%
JP:8705
Okato Nissan Securities Holdings
272.00
112.12
70.13%
JP:7175
Imamura Securities Co.Ltd.
1,342.00
356.35
36.15%
JP:8617
Kosei Securities Co., Ltd.
546.00
167.00
44.06%
JP:8700
Maruhachi Securities Co., Ltd.
1,809.00
357.08
24.59%
JP:8708
AIZAWA SECURITIES GROUP CO. LTD.
1,618.00
425.27
35.66%
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: Jan 16, 2026