Procrea Holdings,Inc. (7384) AI Stock Analysis

• Market Cap: ¥40.91B
• Dividend Yield: 3.47%
• Average Volume (3M): 62.16K
• Price to Earnings (P/E): 33.3
• Beta (1Y): 0.81
• Revenue Growth: 2.78%
• EPS Growth: N/A
• Country: JP
• Employees: 2,407
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): -164.78
• Shares Outstanding: 28,658,957
• 10 Day Avg. Volume: 62,150
• 30 Day Avg. Volume: 62,156
• PEG Ratio: 0.00
• Price to Book (P/B): 0.32
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.12
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 53 Neutral
• Price Target: ―

Procrea Holdings, Inc. has a mixed outlook with significant financial challenges overshadowed by attractive valuation metrics. High debt levels, declining revenues, and lack of cash flow are critical issues, but the undervalued stock price and healthy dividend yield offer potential investment appeal. Technical indicators suggest caution due to bearish trends.

Procrea Holdings,Inc. Business Overview & Revenue Model

Company Description

Procrea Holdings,Inc. operates as a holding company for The Aomori Bank,Ltd. and The Michinoku Bank,Ltd. that provides banking products and services. It offers credit cards, credit guarantees, and credit management and collection services; and engages in consulting, leasing, and real estate management business. The company was incorporated in 2022 and is headquartered in Aomori, Japan.

How the Company Makes Money

Procrea Holdings,Inc. Financial Statement Overview

Summary

Procrea Holdings, Inc. faces significant financial challenges, with declining revenues and profits, high leverage, and insufficient cash flow data. While the company maintains strong gross margins, the overall financial health is hindered by low profitability, high debt levels, and poor cash flow performance. Immediate attention to improving revenue growth and cash flow generation is essential to stabilize the financial outlook.

Income Statement

The income statement shows a significant decline in revenue and net income for the TTM period compared to the previous year, indicating potential revenue challenges. The gross profit margin is high at 93.17%, but the net profit margin is relatively low at 7.66% for the TTM, suggesting high operational costs. The EBIT margin stands at 37.06%, showing some operational efficiency despite the revenue drop.

Balance Sheet

The balance sheet reflects a high debt-to-equity ratio of 2.54, indicating substantial use of leverage. However, the equity ratio of 2.76% suggests low equity financing in the overall asset structure. The return on equity (ROE) for the TTM is weak at 3.40%, pointing to inefficiencies in generating returns from equity.

Cash Flow

The company's cash flow statement reveals concerning trends, with no reported operating cash flow or free cash flow for the TTM, which raises red flags about cash generation and liquidity. The absence of cash flow figures prevents a detailed analysis of cash flow health and sustainability.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023
Income Statement		Total Revenue
73.22B	60.29B	69.76B	77.90B
	Gross Profit
68.22B	0.00	69.76B	77.90B
	EBIT
27.14B	-8.29B	4.09B	50.14B
	EBITDA
2.55B	-8.29B	6.85B	53.42B
	Net Income Common Stockholders
5.61B	1.23B	2.82B	48.96B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.31T	0.00	1.21T	1.12T
	Total Assets
5.98T	6.06T	5.97T	5.97T
	Total Debt
418.59B	570.66B	426.47B	476.79B
	Net Debt
-889.92B	570.66B	-778.74B	-647.13B
	Total Liabilities
5.81T	5.90T	5.81T	476.79B
	Stockholders Equity
164.98B	158.30B	167.35B	184.44B
Cash Flow		Free Cash Flow
0.00	213.22B	-28.82B	-510.94B
	Operating Cash Flow
0.00	215.26B	-19.79B	-508.45B
	Investing Cash Flow
0.00	119.69B	104.33B	72.62B
	Financing Cash Flow
0.00	-74.44B	-22.05B	-2.87B

Procrea Holdings,Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1454.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7384, the sentiment is Negative. The current price of 1454 is below the 20-day moving average (MA) of 1477.70, below the 50-day MA of 1518.54, and below the 200-day MA of 1677.51, indicating a bearish trend. The MACD of -26.43 indicates Positive momentum. The RSI at 34.41 is Neutral, neither overbought nor oversold. The STOCH value of 26.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7384.

Procrea Holdings,Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
2121	80 Outperform	$223.20B	13.31	9.81%	3.82%	5.43%	155.37%
2371	77 Outperform	$523.68B	26.31	34.91%	1.88%	17.19%	11.92%
3923	76 Outperform	¥414.98B	51.84		0.20%	27.33%	91.27%
3092	73 Outperform	$1.37T	30.25	48.74%	2.34%	8.18%	3.02%
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
4755	58 Neutral	$1.76T	―	-22.97%	―	10.38%	38.09%
7384	53 Neutral	¥40.91B	33.34		3.47%	2.78%	―

Procrea Holdings,Inc. Corporate Events

Procrea Holdings Reports Unrealized Losses with No Impact on Financial Forecasts

Procrea Holdings, Inc. has reported unrealized losses on held-to-maturity bonds amounting to 7,949 million yen for the fiscal year ended March 31, 2025. Despite these losses, the company assures stakeholders that there will be no impact on its consolidated financial results forecasts and dividend forecasts for the same fiscal year, maintaining stability in its financial outlook.