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Net Protections Holdings, Inc.
(7383)
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Rating:62Neutral
Price Target:
¥439.00
▼(-48.35% Downside)
Action:Reiterated
Date:08/19/26
The score is driven primarily by improving financial performance from a strong revenue ramp and return to profitability, but is held back by weaker TTM operating profitability (EBIT turning slightly negative), rising leverage, and decelerating/free cash flow growth. Technicals are mixed with the stock below key short- and long-term moving averages (20DMA/200DMA), while valuation appears moderate based on a ~22.9 P/E with no dividend data to add support.
Positive Factors
Profitability Recovery
The return to sustained net profitability and a ~7% margin in 2026 indicates the business can generate operating earnings after prior losses. This supports reinvestment, lowers reliance on external capital, and shows the company can achieve positive unit economics over a multi-year horizon.
Negative Factors
Historic Margin Volatility
Large swings in margins indicate earnings are sensitive to portfolio mix, credit loss provisioning, or product economics. Such volatility undermines predictability of profits and makes multi‑period planning harder, increasing the need for higher capital buffers or conservative underwriting.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Recovery
The return to sustained net profitability and a ~7% margin in 2026 indicates the business can generate operating earnings after prior losses. This supports reinvestment, lowers reliance on external capital, and shows the company can achieve positive unit economics over a multi-year horizon.
Read all positive factors
Net Protections Holdings, Inc. (7383) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥44.42B
Dividend YieldN/A
Average Volume (3M)1.42M
Price to Earnings (P/E)22.9
Beta (1Y)1.48
Revenue Growth7.25%
EPS Growth8.41%
CountryJP
Employees377
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)18.68
Shares Outstanding99,587,410
10 Day Avg. Volume1,286,200
30 Day Avg. Volume1,416,780
Financial Highlights & Ratios
PEG Ratio0.81
Price to Book (P/B)1.71
Price to Sales (P/S)1.46
P/FCF Ratio4.02
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥700.00Price Target Upside-17.65% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)22.3
Revenue Forecast (FY)¥27.63B
Net Protections Holdings, Inc. Business Overview & Revenue Model
Company Description
Operating globally and within Japan, Net Protections Holdings, Inc. delivers diverse "buy now, pay later" (BNPL) financial solutions. Their services span B2C e-commerce BNPL, B2B deferred payment options, and consumer BNPL programs that include me...
How the Company Makes Money
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Net Protections Holdings, Inc. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
64
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 25.03B | 24.59B | 23.03B | 20.84B | 19.33B | 18.66B |
| Gross Profit | 14.90B | 14.63B | 23.03B | 20.84B | 19.33B | 18.66B |
| EBITDA | 1.69B | 3.97B | 3.86B | 1.00B | 979.00M | 2.21B |
| Net Income | 1.86B | 1.73B | 1.35B | -828.00M | -443.00M | 235.00M |
Balance Sheet | ||||||
| Total Assets | 91.55B | 85.06B | 70.85B | 60.28B | 55.40B | 53.04B |
| Cash, Cash Equivalents and Short-Term Investments | 24.99B | 20.22B | 17.04B | 10.81B | 10.56B | 12.12B |
| Total Debt | 11.66B | 6.28B | 10.54B | 8.54B | 8.46B | 6.08B |
| Total Liabilities | 69.83B | 63.98B | 51.62B | 42.50B | 36.94B | 34.40B |
| Stockholders Equity | 21.65B | 21.02B | 19.17B | 17.70B | 18.37B | 18.64B |
Cash Flow | ||||||
| Free Cash Flow | 5.54B | 8.96B | 5.02B | 191.00M | -4.07B | 143.00M |
| Operating Cash Flow | 5.56B | 8.97B | 6.57B | 1.93B | -2.63B | 951.00M |
| Investing Cash Flow | -1.81B | -1.75B | -1.51B | -1.76B | -1.76B | -767.00M |
| Financing Cash Flow | 1.07B | -4.12B | 1.21B | 75.00M | 2.84B | 3.63B |
Net Protections Holdings, Inc. Technical Analysis
Negative
850.00
Price Trends
391.64
Positive
396.26
Positive
483.54
Negative
Market Momentum
14.18
Positive
44.98
Neutral
44.94
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7383, the sentiment is Negative. The current price of 850 is above the 20-day moving average (MA) of 437.50, above the 50-day MA of 391.64, and above the 200-day MA of 483.54, indicating a neutral trend. The MACD of 14.18 indicates Positive momentum. The RSI at 44.98 is Neutral, neither overbought nor oversold. The STOCH value of 44.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7383.
Net Protections Holdings, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | ¥751.66B | 11.61 | 11.50% | 3.48% | 6.57% | 22.90% | |
79 Outperform | ¥84.41B | 22.94 | ― | 2.02% | 5.01% | 8.58% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥682.19B | 9.73 | 8.64% | 2.83% | 10.50% | 8.52% | |
64 Neutral | ¥528.52B | 17.86 | 11.68% | 4.38% | 7.53% | 6.62% | |
62 Neutral | ¥44.42B | 22.91 | ― | ― | 7.25% | 8.41% | |
59 Neutral | ¥167.33B | 10.35 | ― | 4.42% | 1.92% | -26.04% |
* Financial Sector Average
JP:7383
Net Protections Holdings, Inc.
414.00
-437.00
-51.35%
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7.51%
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23.83%
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-6.96%
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26.92%
Net Protections Holdings, Inc. Corporate Events
Net Protections Sees GMV Rebound but Profit Growth Remains Flat Amid Margin Pressure
Aug 18, 2026
Net Protections Holdings, Inc. reported that NP Atobarai has returned to positive GMV growth driven by strong sales momentum and the onboarding of large-scale merchants, a trend the company expects to continue. However, intense competition is exer...
Net Protections Outlines Q2 2026 Results and Appoints New CFO
Aug 14, 2026
Net Protections Holdings, Inc. reported its financial results for the three months ended June 30, 2026, with CEO Shin Shibata outlining the agenda that includes a review of financial performance, management strategy and recent business topics. As ...
Net Protections Posts Higher Q1 Profits and Strong GMV Growth While Maintaining No-Dividend Policy
Aug 14, 2026
Net Protections Holdings reported consolidated operating revenue of ¥6.58 billion for the three months ended June 30, 2026, up 6.8% year on year, with operating profit rising 9.5% to ¥840 million and profit attributable to owners jumping...
Net Protections to Issue Restricted Shares to Directors Under Incentive Plan
Jun 26, 2026
Net Protections Holdings has approved the issuance of 61,408 new ordinary shares as restricted stock-based compensation for nine directors, including audit and supervisory committee members, with a total issue value of about ¥20.76 million at...
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.