Net Protections Holdings, Inc. (JP:7383)
:7383
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Net Protections Holdings, Inc.
(7383)
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Rating:65Neutral
Price Target:
¥470.00
▼(-44.71% Downside)
Action:Reiterated
Date:05/16/26
The score is primarily driven by improving financial performance (profitability recovery, stronger recent cash conversion, and reduced leverage), tempered by historical volatility in earnings/cash flows. Technicals are neutral-to-mixed with longer-term weakness (below 100D/200D) despite modest positive momentum, while valuation is mid-range based on the provided P/E and no dividend yield data.
Positive Factors
Improving Leverage
Material reduction in debt-to-equity increases financial flexibility for a credit-driven fintech. Lower leverage reduces refinancing and liquidity risk, supports continued lending capacity, and strengthens resilience through credit cycles, enabling sustainable capital allocation to product and platform growth.
Negative Factors
Multi-year Volatility
Historic swings between loss years and profitable years create uncertainty in cash generation and capital planning. For a lender-like BNPL business, this makes forecasting credit losses and funding needs harder, raising the risk of capital strain or dilutive raises during adverse periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Leverage
Material reduction in debt-to-equity increases financial flexibility for a credit-driven fintech. Lower leverage reduces refinancing and liquidity risk, supports continued lending capacity, and strengthens resilience through credit cycles, enabling sustainable capital allocation to product and platform growth.
Read all positive factors
Net Protections Holdings, Inc. (7383) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥39.00B
Dividend YieldN/A
Average Volume (3M)1.42M
Price to Earnings (P/E)20.8
Beta (1Y)1.64
Revenue Growth9.59%
EPS Growth25.89%
CountryJP
Employees333
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)17.43
Shares Outstanding99,487,000
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)21.72
Revenue Forecast (FY)¥27.81B
Net Protections Holdings, Inc. Business Overview & Revenue Model
Company Description
Net Protections Holdings, Inc. (7383) is a leading Japanese fintech company specializing in providing payment solutions and credit services. The company primarily operates in the e-commerce sector, offering services such as deferred payment option...
How the Company Makes Money
Net Protections Holdings, Inc. generates revenue through its BNPL services by charging transaction fees to merchants for using its payment platform. The company’s revenue model capitalizes on its ability to process payments for businesses and prov...
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
Negative
850.00
Price Trends
422.54
Negative
470.50
Negative
627.46
Negative
Market Momentum
0.56
Positive
47.21
Neutral
41.14
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 434.45, above the 50-day MA of 422.54, and above the 200-day MA of 627.46, indicating a bearish trend. The MACD of 0.56 indicates Positive momentum. The RSI at 47.21 is Neutral, neither overbought nor oversold. The STOCH value of 41.14 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥79.61B | 20.71 | ― | 2.02% | 7.88% | 6.55% | |
65 Neutral | ¥39.00B | 20.77 | ― | ― | 9.59% | 25.89% | |
64 Neutral | ¥651.60B | 9.28 | 9.13% | 2.79% | 11.14% | 1.90% | |
63 Neutral | ¥720.64B | 9.05 | 7.97% | 3.48% | 6.29% | 147.90% | |
60 Neutral | ¥510.39B | 19.27 | 11.30% | 3.66% | 8.83% | 10.44% | |
56 Neutral | ¥159.97B | 10.53 | ― | 4.42% | 1.18% | -28.29% |
* Financial Sector Average
JP:7383
Net Protections Holdings, Inc.
392.00
-27.00
-6.44%
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304.97
21.02%
Net Protections Holdings, Inc. Corporate Events
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...
Net Protections Revamps CFO Role in Board Slate Ahead of June Shareholders Meeting
Mar 24, 2026
Net Protections Holdings has announced a slate of board nominees to be voted on at its eighth annual general meeting in June 2026, reaffirming President and Representative Director Shin Shibata, CIO Takashi Yamashita, and several outside directors...
Net Protections Faces Consumer Lawsuit Over BNPL Terms, Sees Limited Financial Impact
Mar 17, 2026
Net Protections Holdings has been sued in the Tokyo District Court by the Consumers Organization of Japan, which claims certain clauses in the company’s B2C payment service terms, including NP Atobarai and atone, violate the Consumer Contrac...
Net Protections Revises B2B Market Data in Latest Financial Results Presentation
Feb 20, 2026
Net Protections Holdings has announced corrections to its financial results presentation for the nine months ended December 31, 2025, originally disclosed on February 13, 2026. The changes focus on updating descriptions of progress with alliance p...
Net Protections Bets on B2B Growth With Sumitomo Mitsui Card Alliance
Feb 16, 2026
Net Protections Holdings, Inc. outlined how its new partnership with Sumitomo Mitsui Card will focus on the B2B domain, complementing Sumitomo Mitsui Card’s existing B2C alliance with GMO and reinforcing a clear division of roles across thos...
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.