FP Partner, Inc. (7388) AI Stock Analysis

• Market Cap: ¥46.79B
• Dividend Yield: 4.69%
• Average Volume (3M): 169.85K
• Price to Earnings (P/E): 15.5
• Beta (1Y): 0.50
• Revenue Growth: 5.40%
• EPS Growth: -25.66%
• Country: JP
• Employees: 2,781
• Sector: Financial
• Sector Strength: 73
• Industry: Insurance - Brokers
• EPS (TTM): 19.33
• Shares Outstanding: 23,001,900
• 10 Day Avg. Volume: 141,220
• 30 Day Avg. Volume: 169,846
• PEG Ratio: -1.36
• Price to Book (P/B): 4.33
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ¥2,335.00
• Price Target Upside: 12.53% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: ¥2,195.00 ▲(5.78%Upside)

FP Partner, Inc.'s overall score reflects its strong financial performance, which is the most significant factor, with robust growth and profitability. However, technical indicators suggest bearish momentum, which could pose short-term risks. The valuation provides a balance with a reasonable P/E ratio and attractive dividend yield.

FP Partner, Inc. Business Overview & Revenue Model

Company Description

FP Partner Inc. provides insurance services for individuals and corporations in Japan. It offers life and non-life insurance products; financial planning services under the Money Doctor brand; and face-to-face and online consultation, product explanation, contract procedure, and after-sales services. FP Partner Inc. was founded in 2005 and is headquartered in Tokyo, Japan.

How the Company Makes Money

FP Partner, Inc. generates revenue through the sale of life insurance policies and related financial products. The company's income is primarily derived from premiums paid by policyholders. Additionally, FP Partner, Inc. may earn commission-based revenue by providing financial consulting services and acting as an intermediary for other financial products. Strategic partnerships with financial institutions and investment firms can also contribute to its revenue by broadening its product offerings and customer base.

FP Partner, Inc. Financial Statement Overview

Summary

FP Partner, Inc. exhibits strong financial health with impressive growth in revenue and profitability. The company maintains a low debt-to-equity ratio, strong operating cash flow, and significant free cash flow generation, indicating robust financial stability and operational efficiency.

Income Statement

FP Partner, Inc. has demonstrated strong revenue growth, increasing from 17.3 billion JPY in 2020 to 35.6 billion JPY in 2024, indicating robust business expansion. The gross profit margin has remained healthy, and net profit margin has improved significantly over the years, reflecting effective cost management and profitability. The EBIT and EBITDA margins are also strong, suggesting operational efficiency.

Balance Sheet

The company has a very low debt-to-equity ratio, indicating minimal leverage and financial stability. The return on equity is impressive, showcasing effective use of shareholders' funds to generate profits. The equity ratio is also strong, reflecting a solid capital structure with significant shareholder equity relative to total assets.

Cash Flow

FP Partner, Inc. has shown consistent growth in operating cash flow, with substantial free cash flow generation, which supports strong liquidity. The operating cash flow to net income ratio is favorable, indicating good cash conversion from earnings. The company has effectively managed its capital expenditures and has maintained healthy free cash flow to net income ratios.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	35.62B	30.56B	25.61B	20.92B	17.30B
Gross Profit	12.15B	11.65B	8.81B	6.16B	4.40B
EBITDA	5.89B	5.97B	4.02B	1.99B	866.25M
Net Income	3.90B	3.95B	2.37B	1.22B	424.60M
Balance Sheet
Total Assets	18.53B	19.15B	14.27B	7.88B	6.21B
Cash, Cash Equivalents and Short-Term Investments	8.76B	11.96B	8.85B	3.09B	2.02B
Total Debt	590.94M	644.58M	649.05M	1.65B	2.27B
Total Liabilities	6.69B	6.50B	5.61B	5.18B	4.73B
Stockholders Equity	11.83B	12.65B	8.66B	2.70B	1.48B
Cash Flow
Free Cash Flow	4.39B	3.19B	3.31B	1.70B	-118.08M
Operating Cash Flow	4.39B	3.91B	3.56B	1.94B	-82.91M
Investing Cash Flow	-2.43B	-805.52M	-365.00M	-257.33M	-101.50M
Financing Cash Flow	-5.16B	2.14M	2.57B	-617.64M	-53.29M

FP Partner, Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2075.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7388, the sentiment is Negative. The current price of 2075 is above the 20-day moving average (MA) of 2059.35, below the 50-day MA of 2183.10, and below the 200-day MA of 2376.05, indicating a bearish trend. The MACD of -40.93 indicates Negative momentum. The RSI at 44.62 is Neutral, neither overbought nor oversold. The STOCH value of 93.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7388.

FP Partner, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7388	73 Outperform	¥46.79B	15.53		4.69%	5.40%	-25.66%
Sector *	67 Neutral	$16.60B	11.20	9.14%	3.93%	10.99%	-3.70%
9KC	―	€356.18M	13.28	9.19%	3.52%	―	―
MJP	―	€328.92M	31.41	11.76%	3.62%	―	―
8704	81 Outperform	¥35.43B	7.97		2.67%	20.01%	19.98%
8614	71 Outperform	¥35.86B	13.19		3.91%	11.72%	158.52%
8708	67 Neutral	¥40.48B	16.30		3.60%	0.74%	-5.46%

FP Partner, Inc. Corporate Events

FP Partner Inc. Navigates Challenges Amid Industry Changes

FP Partner Inc. has faced challenges in the first half of the fiscal year due to a Financial Services Agency inspection, which affected employee morale and sales growth. Despite these setbacks, the company remains optimistic about improving profit margins and is implementing measures to recover its business quality support fee rate. The company acknowledges industry-wide changes and is positioning itself to adapt to new regulations, viewing these changes as opportunities for growth.

FP Partner Inc. Revises Earnings Forecast Amid Sales Challenges

FP Partner Inc. has announced a downward revision of its earnings forecast for the fiscal year ending November 30, 2025, due to lower-than-expected sales of high-margin insurance products and a decline in sales employee morale following media reports. Despite these challenges, the company plans to maintain its year-end dividend forecast, emphasizing its commitment to shareholder returns. The company aims to improve its sales and product mix to enhance business performance in future fiscal years.

FP Partner Inc. Reports Decline in Interim Financial Results and Revises Earnings Forecast

FP Partner Inc. reported a decrease in financial performance for the six months ending May 31, 2025, with net sales dropping by 4.1% and operating profit declining by 45% compared to the previous year. The company has revised its earnings forecast for the fiscal year ending November 30, 2025, indicating a significant reduction in expected profits, which may impact its market positioning and stakeholder confidence.