Net Protections Holdings, Inc. (7383) AI Stock Analysis

• Market Cap: ¥55.58B
• Dividend Yield: N/A
• Average Volume (3M): 1.42M
• Price to Earnings (P/E): 30.1
• Beta (1Y): 1.49
• Revenue Growth: 13.25%
• EPS Growth: 1251.39%
• Country: JP
• Employees: 333
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 4.85
• Shares Outstanding: 99,430,000
• 10 Day Avg. Volume: 1,286,200
• 30 Day Avg. Volume: 1,416,780
• PEG Ratio: -0.13
• Price to Book (P/B): 2.42
• Price to Sales (P/S): 2.02
• P/FCF Ratio: 9.26
• 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: ¥900.00
• Price Target Upside: 5.88% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: ¥579.00 ▼(-31.88% Downside)

The overall stock score of 59 reflects strong financial performance and recovery, which is offset by weak technical indicators and a moderately high valuation. The lack of earnings call data and corporate events means these factors did not influence the score.

Positive Factors

Revenue Growth

Sustained revenue growth suggests strong market demand and effective business strategies, supporting long-term expansion and stability.

Cash Flow Management

Strong cash flow management enhances financial flexibility, allowing the company to invest in growth opportunities and weather economic downturns.

Profitability Improvement

Improved profitability indicates effective cost management and operational efficiency, boosting long-term financial health and shareholder value.

Negative Factors

Past Volatility

Historical volatility in earnings could pose risks to consistent profitability, potentially affecting investor confidence and strategic planning.

Leverage Concerns

Moderate leverage, while manageable, could limit financial flexibility and increase vulnerability to interest rate changes or economic downturns.

Equity Ratio

A relatively low equity ratio may imply less cushion against financial distress, potentially impacting long-term resilience in a volatile market.

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 options and credit screening to both consumers and merchants. With a focus on enhancing the online shopping experience, Net Protections aims to streamline transactions and reduce payment-related friction, catering to the needs of a growing digital marketplace.

How the Company Makes Money

Net Protections Holdings generates revenue through its core service offerings, which include transaction fees charged to merchants for processing deferred payment solutions and interest income from consumers utilizing their credit services. The company partners with various e-commerce platforms and retailers to integrate its payment solutions, expanding its reach and customer base. Additionally, Net Protections benefits from data analytics and risk assessment tools that enhance their credit screening processes, potentially leading to increased adoption and usage of their services. Their revenue model is primarily transactional, with fees collected based on the volume of transactions processed.

Net Protections Holdings, Inc. Financial Statement Overview

Summary

Net Protections Holdings, Inc. demonstrates strong financial recovery and growth, with impressive improvements in profitability and cash flow. The company’s balance sheet is stable, with moderate leverage and strengthened equity. While financial performance has shown volatility in the past, current metrics suggest a positive outlook with potential for sustained growth and resilience.

Income Statement

The firm has shown a strong recovery with a significant improvement in net income and EBIT from previous losses. The revenue growth rate is robust at 10.47%, indicating a healthy upward trajectory. Gross profit margin is strong at 56.92%, demonstrating effective cost management. However, past volatility in EBIT and net income suggests potential risks in sustaining profitability.

Balance Sheet

The company maintains a healthy balance sheet with a debt-to-equity ratio of 0.54, indicating moderate leverage. The equity ratio stands at 27.06%, reflecting a stable financial position. Return on equity has improved significantly, highlighting enhanced shareholder value. However, the industry norm may require higher equity ratios for better resilience.

Cash Flow

Operating cash flow has substantially increased, showcasing strong cash-generating ability. The free cash flow to net income ratio is favorable, indicating efficient conversion of profits into cash. Free cash flow growth is impressive, reflecting improved financial flexibility. Despite previous fluctuations, current trends indicate robust cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	23.91B	23.03B	20.84B	19.33B	18.66B	18.11B
Gross Profit	13.46B	23.03B	20.84B	19.33B	18.66B	18.11B
EBITDA	4.19B	3.86B	1.00B	979.00M	2.21B	2.55B
Net Income	1.84B	1.35B	-828.00M	-443.00M	235.00M	574.00M
Balance Sheet
Total Assets	81.47B	70.85B	60.28B	55.40B	53.04B	44.92B
Cash, Cash Equivalents and Short-Term Investments	21.93B	17.04B	10.81B	10.56B	12.12B	8.30B
Total Debt	9.91B	10.54B	8.54B	8.46B	5.68B	6.88B
Total Liabilities	61.18B	51.62B	42.50B	36.94B	34.40B	34.41B
Stockholders Equity	20.23B	19.17B	17.70B	18.37B	18.64B	10.51B
Cash Flow
Free Cash Flow	11.17B	5.02B	191.00M	-4.07B	143.00M	5.66B
Operating Cash Flow	11.20B	6.57B	1.93B	-2.63B	951.00M	6.35B
Investing Cash Flow	-1.64B	-1.51B	-1.76B	-1.76B	-767.00M	-894.00M
Financing Cash Flow	-1.72B	1.21B	75.00M	2.84B	3.63B	-1.89B

Net Protections Holdings, Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 850.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 558.00, above the 50-day MA of 682.04, and above the 200-day MA of 647.25, indicating a neutral trend. The MACD of -30.25 indicates Negative momentum. The RSI at 40.96 is Neutral, neither overbought nor oversold. The STOCH value of 47.86 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7191	72 Outperform	¥26.42B	16.71	―	2.50%	16.70%	22.23%
8771	72 Outperform	¥86.63B	23.89	―	2.02%	13.52%	7.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
5258	61 Neutral	¥12.58B	-24.13	―	―	12.25%	-1134.27%
7199	60 Neutral	¥76.58B	16.26	―	2.44%	15.20%	-16.02%
7383	59 Neutral	¥55.58B	30.07	―	―	13.25%	1251.39%
7183	54 Neutral	¥2.64B	23.90	―	2.04%	12.86%	-63.06%

Net Protections Holdings, Inc. Corporate Events

Net Protections Holdings Reports Strong H1 2025 Performance

Net Protections Holdings, Inc. reported an increase in gross profit for the first half of 2025, driven by better-than-expected GMV performance and cost reductions. Despite a year-over-year decline in GMV for NP Atobarai and other services in the second quarter, the company remains optimistic about future growth, citing strong performance from NP Atobarai air and a promising pipeline for NP Atobarai. The leadership believes the current forecasts accurately reflect the company’s strength, with potential for further upside.

Net Protections Holdings Revises Earnings Forecast Upwards After Strong First Half Performance

Net Protections Holdings, Inc. announced a variance between its consolidated earnings forecasts and actual results for the first half of the fiscal year ending March 31, 2026. The company reported higher-than-expected profits due to strong performance in its payment services and effective cost management. Consequently, the company has revised its full-year earnings forecast upwards, anticipating continued growth driven by improvements in credit screening and billing operations, despite a slight decrease in total operating revenue due to a higher ratio of large merchants.

Net Protections Holdings Reports Strong Financial Growth for H1 2025

Net Protections Holdings, Inc. reported a significant increase in its financial performance for the six months ending September 30, 2025, with a 12.5% rise in total operating revenue and a notable 78.9% increase in operating profit. The company’s strong performance indicates a positive trajectory in its market positioning and reflects its effective operational strategies, which may have favorable implications for stakeholders.