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Net Protections Holdings, Inc.
(7383)
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Rating:64Neutral
Price Target:
¥490.00
▼(-42.35% Downside)
Action:Reiterated
Date:08/05/26
The score is primarily supported by improving financial performance (return to profitability, stronger recent cash conversion, and declining leverage). It is held back by historically volatile margins/cash flows and a technical setup that looks overbought in the near term while still below the 200-day average, alongside a P/E around 25 with no dividend yield provided.
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
¥44.81B
Dividend YieldN/A
Average Volume (3M)1.42M
Price to Earnings (P/E)26.4
Beta (1Y)1.48
Revenue Growth7.25%
EPS Growth8.41%
CountryJP
Employees377
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)17.43
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
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
388.26
Positive
394.50
Positive
487.76
Negative
Market Momentum
19.60
Positive
69.05
Neutral
67.48
Neutral
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 434.75, above the 50-day MA of 388.26, and above the 200-day MA of 487.76, indicating a neutral trend. The MACD of 19.60 indicates Positive momentum. The RSI at 69.05 is Neutral, neither overbought nor oversold. The STOCH value of 67.48 is Neutral, 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 | ¥83.60B | 22.83 | ― | 2.02% | 5.01% | 8.58% | |
64 Neutral | ¥44.81B | 26.45 | ― | ― | 7.25% | 8.41% | |
64 Neutral | ¥702.34B | 9.95 | 8.64% | 2.83% | 10.50% | 8.52% | |
63 Neutral | ¥758.55B | 11.72 | 11.50% | 3.48% | 6.57% | 22.90% | |
62 Neutral | ¥534.35B | 18.02 | 11.68% | 4.38% | 7.53% | 6.62% | |
56 Neutral | ¥168.67B | 10.46 | ― | 4.42% | 1.92% | -26.04% |
* Financial Sector Average
JP:7383
Net Protections Holdings, Inc.
461.00
-394.00
-46.08%
JP:8572
ACOM Co
483.60
38.47
8.64%
JP:8253
Credit Saison Co
4,735.00
1,126.94
31.23%
JP:8252
Marui Group Co
2,968.00
-158.16
-5.06%
JP:8584
Jaccs Co., Ltd.
3,790.00
-211.54
-5.29%
JP:8771
eGuarantee, Inc.
1,855.00
385.41
26.23%
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.