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Net Protections Holdings, Inc.
(7383)
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Rating:59Neutral
Price Target:
¥412.00
▼(-51.53% Downside)
Action:Reiterated
Date:06/23/26
The score is supported by a clear 2025–2026 turnaround in profitability, stronger cash generation, and improving leverage, but is held back by weak technicals (bearish trend and momentum) and a valuation that is only moderate given the business’s historical volatility.
Positive Factors
Profitability Turnaround
The company’s shift from losses to a ~7% net margin in 2026 indicates structural improvement in core economics and pricing or cost control. Sustained profitability provides capacity to reinvest, build reserves, and absorb shocks, strengthening long-term business viability if maintained.
Negative Factors
Historical Earnings Volatility
Prior multi-year losses and episodes of negative cash flow demonstrate earnings fragility. Such volatility undermines predictability of returns and makes planning for investment and capital needs harder, increasing the chance of cyclical profit reversals during stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Turnaround
The company’s shift from losses to a ~7% net margin in 2026 indicates structural improvement in core economics and pricing or cost control. Sustained profitability provides capacity to reinvest, build reserves, and absorb shocks, strengthening long-term business viability if maintained.
Read all positive factors
Net Protections Holdings, Inc. (7383) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥39.20B
Dividend YieldN/A
Average Volume (3M)1.42M
Price to Earnings (P/E)23.8
Beta (1Y)1.58
Revenue Growth9.59%
EPS Growth25.90%
CountryJP
Employees377
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)17.43
Shares Outstanding99,503,000
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)22.25
Revenue Forecast (FY)¥27.56B
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...
Net Protections Holdings, Inc. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
70
Positive
Cash Flow
64
Positive
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 24.59B | 23.03B | 20.84B | 19.33B | 18.66B |
| Gross Profit | 14.63B | 23.03B | 20.84B | 19.33B | 18.66B |
| EBITDA | 3.97B | 3.86B | 1.00B | 979.00M | 2.21B |
| Net Income | 1.73B | 1.35B | -828.00M | -443.00M | 235.00M |
Balance Sheet | |||||
| Total Assets | 85.06B | 70.85B | 60.28B | 55.40B | 53.04B |
| Cash, Cash Equivalents and Short-Term Investments | 20.22B | 17.04B | 10.81B | 10.56B | 12.12B |
| Total Debt | 6.28B | 10.54B | 8.54B | 8.46B | 6.08B |
| Total Liabilities | 63.98B | 51.62B | 42.50B | 36.94B | 34.40B |
| Stockholders Equity | 21.02B | 19.17B | 17.70B | 18.37B | 18.64B |
Cash Flow | |||||
| Free Cash Flow | 8.96B | 5.02B | 191.00M | -4.07B | 143.00M |
| Operating Cash Flow | 8.97B | 6.57B | 1.93B | -2.63B | 951.00M |
| Investing Cash Flow | -1.75B | -1.51B | -1.76B | -1.76B | -767.00M |
| Financing Cash Flow | -4.12B | 1.21B | 75.00M | 2.84B | 3.63B |
Net Protections Holdings, Inc. Technical Analysis
Positive
850.00
Price Trends
372.74
Positive
404.79
Positive
533.46
Negative
Market Momentum
7.80
Negative
64.71
Neutral
94.24
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7383, the sentiment is Positive. The current price of 850 is above the 20-day moving average (MA) of 362.30, above the 50-day MA of 372.74, and above the 200-day MA of 533.46, indicating a neutral trend. The MACD of 7.80 indicates Negative momentum. The RSI at 64.71 is Neutral, neither overbought nor oversold. The STOCH value of 94.24 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥84.73B | 24.42 | ― | 2.02% | 7.88% | 6.59% | |
64 Neutral | ¥662.61B | 10.81 | 9.13% | 2.79% | 10.98% | 0.22% | |
63 Neutral | ¥758.24B | 9.59 | 7.97% | 3.48% | 6.29% | 147.90% | |
60 Neutral | ¥531.66B | 18.86 | 11.30% | 3.66% | 8.83% | 10.43% | |
59 Neutral | ¥39.20B | 23.75 | ― | ― | 9.59% | 25.90% | |
56 Neutral | ¥165.77B | 9.52 | ― | 4.42% | 1.18% | -26.06% |
* Financial Sector Average
JP:7383
Net Protections Holdings, Inc.
408.00
-288.00
-41.38%
JP:8572
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23.09%
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3.70%
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-170.69
-4.36%
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eGuarantee, Inc.
1,899.00
465.56
32.48%
Net Protections Holdings, Inc. Corporate Events
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...
Net Protections Shifts Merchant Strategy and Leans on Partnerships in Three-Year Plan
May 18, 2026
Net Protections Holdings used its QA session on fourth-quarter and full-year results to clarify that current forecasts do not yet include any quantitative changes to its late administration fee structure, despite an ongoing lawsuit, and management...
Net Protections Outlines FY2026 Results and New Three-Year Plan
May 15, 2026
Net Protections Holdings CEO Shin Shibata opened the presentation of financial results for the fiscal year ended March 31, 2026, outlining both full-year and fourth-quarter performance. He also indicated that the company would disclose its earning...
Net Protections Sets Aggressive Growth Targets in Updated Medium-Term Plan
May 15, 2026
Net Protections Holdings has approved an updated three-year medium-term management plan covering the fiscal years ending March 2027 to March 2029. The plan reflects the company’s policy of annually revising its three-year roadmap to incorpor...
Net Protections Lifts Profit and GMV, Forecasts Double-Digit Growth for FY 2027
May 15, 2026
Net Protections Holdings reported consolidated operating revenue of ¥25.2 billion for the fiscal year ended March 31, 2026, up 9.5% year on year, with operating profit rising 35.4% to ¥2.85 billion and profit attributable to owners of th...
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.