FP Partner, Inc. (JP:7388)
:7388
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FP Partner, Inc.
(7388)
Select Model
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Rating:75Outperform
Price Target:
¥2,638.00
▲(24.32% Upside)
Action:ReiteratedDate:01/16/26
The score is driven mainly by solid financial fundamentals (strong profitability and low leverage) tempered by the latest-year slowdown and weaker cash-flow momentum. Technicals are constructive but near overbought, and valuation is mixed (good yield but a higher P/E).
Positive Factors
Conservative Balance Sheet
Very low leverage and a sizable equity base provide durable financial flexibility and downside protection. This structure supports resilience through market cycles, enables opportunistic investments or M&A, and reduces refinancing risk, underpinning long-term capital allocation ability.
Negative Factors
Revenue Momentum Weakening
An ~8% revenue decline signals structural pressure on AUM or client activity, which for a fee-based manager reduces recurring management and performance fees. If not reversed, revenue erosion can weaken reinvestment capacity and long-term growth prospects for the business.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Very low leverage and a sizable equity base provide durable financial flexibility and downside protection. This structure supports resilience through market cycles, enables opportunistic investments or M&A, and reduces refinancing risk, underpinning long-term capital allocation ability.
Read all positive factors
FP Partner, Inc. (7388) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥57.16B
Dividend Yield4.61%
Average Volume (3M)91.36K
Price to Earnings (P/E)23.8
Beta (1Y)0.72
Revenue Growth-4.72%
EPS Growth-40.77%
CountryJP
Employees2,781
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)22.21
Shares Outstanding23,270,000
10 Day Avg. Volume106,230
30 Day Avg. Volume91,356
Financial Highlights & Ratios
PEG Ratio-0.50
Price to Book (P/B)4.11
Price to Sales (P/S)1.51
P/FCF Ratio50.93
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)99.88
Revenue Forecast (FY)¥35.23B
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 expl...
How the Company Makes Money
FP Partner, Inc. generates revenue primarily through management fees charged for its asset management services, which are based on a percentage of assets under management (AUM). Additionally, the company earns advisory fees from its financial plan...
FP Partner, Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
86
Very Positive
Cash Flow
68
Positive
| Breakdown | TTM | Nov 2025 | Nov 2024 | Nov 2023 | Nov 2022 | Nov 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 34.91B | 32.10B | 35.62B | 30.56B | 25.61B | 20.92B |
| Gross Profit | 11.46B | 10.67B | 12.15B | 11.65B | 8.81B | 6.16B |
| EBITDA | 4.68B | 3.63B | 5.89B | 5.97B | 4.02B | 1.99B |
| Net Income | 3.03B | 2.04B | 3.90B | 3.95B | 2.37B | 1.22B |
Balance Sheet | ||||||
| Total Assets | 18.25B | 18.40B | 18.53B | 19.15B | 14.27B | 7.88B |
| Cash, Cash Equivalents and Short-Term Investments | 7.86B | 7.52B | 8.76B | 11.96B | 8.85B | 3.09B |
| Total Debt | 564.12M | 1.12B | 590.94M | 644.58M | 649.05M | 1.65B |
| Total Liabilities | 6.47B | 6.58B | 6.69B | 6.50B | 5.61B | 5.18B |
| Stockholders Equity | 11.78B | 11.82B | 11.83B | 12.65B | 8.66B | 2.70B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 953.81M | 2.27B | 3.19B | 3.31B | 1.70B |
| Operating Cash Flow | 0.00 | 2.26B | 4.39B | 3.91B | 3.56B | 1.94B |
| Investing Cash Flow | 0.00 | -1.94B | -2.43B | -805.52M | -365.00M | -257.33M |
| Financing Cash Flow | 0.00 | -1.56B | -5.16B | 2.14M | 2.57B | -617.64M |
FP Partner, Inc. Technical Analysis
Positive
2122.00
Price Trends
2338.68
Positive
2264.40
Positive
2193.84
Positive
Market Momentum
41.14
Negative
62.36
Neutral
92.69
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7388, the sentiment is Positive. The current price of 2122 is below the 20-day moving average (MA) of 2357.90, below the 50-day MA of 2338.68, and below the 200-day MA of 2193.84, indicating a bullish trend. The MACD of 41.14 indicates Negative momentum. The RSI at 62.36 is Neutral, neither overbought nor oversold. The STOCH value of 92.69 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7388.
FP Partner, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | ¥199.56B | 6.74 | ― | 4.01% | -2.39% | -4.54% | |
75 Outperform | ¥57.16B | 23.79 | ― | 4.61% | -4.72% | -40.77% | |
74 Outperform | ¥245.23B | 12.14 | 14.00% | 5.13% | 3.27% | -1.81% | |
71 Outperform | ¥70.51B | 12.60 | 9.22% | 6.15% | 7.45% | 45.25% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ¥80.59B | 24.43 | 10.06% | 3.75% | 20.36% | 9.29% | |
43 Neutral | ¥171.33B | 13.27 | 7.26% | 4.16% | 14.69% | -114.36% |
* Financial Sector Average
JP:7388
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FP Partner, Inc. Corporate Events
FP Partner Profit Slumps in FY2025 but Firm Targets Recovery and Maintains High Dividend
Jan 14, 2026
FP Partner Inc. reported a sharp profit decline for the fiscal year ended November 30, 2025, with net sales down 9.9% year-on-year to ¥32.1 billion and operating profit nearly halved to ¥2.98 billion, while profit fell 47.7% to ¥2.0...
FP Partner to Relocate Tokyo Head Office to Owned Building and Amend Articles
Jan 14, 2026
FP Partner Inc. has resolved to relocate its head office to the FP Asakusabashi Building in Taito-ku, Tokyo, a property owned by the company, as part of a strategy to stabilize long-term operations, cut rental costs, and secure flexibility for fut...
FP Partner Redirects IPO Funds From Data Platform to Policy Transfer Growth Strategy
Jan 14, 2026
FP Partner Inc. has revised the planned use of proceeds from its 2022 stock market listing after determining it can build its customer data platform (CDP) at a lower cost than initially expected. The company will reallocate ¥67.3 million in s...
FP Partner Switches Shareholder Perks to Flexible Digital Gift Program
Jan 14, 2026
FP Partner Inc. has resolved to revise its shareholder benefit program to make it more convenient and appealing, responding to investor requests for more flexible and user-friendly rewards as part of its effort to encourage longer-term shareholdin...
FP Partner to Buy Back Up to 1.5% of Shares for Incentive Plan and Capital Flexibility
Jan 14, 2026
FP Partner Inc. has resolved to acquire up to 350,000 of its own common shares, representing about 1.5% of its outstanding stock (excluding treasury shares), for a maximum total of 700 million yen through market purchases on the Tokyo Stock Exchan...
FP Partner Inc. Launches Business Improvement Initiatives Following Administrative Order
Nov 17, 2025
FP Partner Inc. has announced the establishment of a Business Improvement Meeting and Committee to address a business improvement order received in August 2025. These initiatives, part of their ‘NEXT’ corporate slogan, aim to enhance t...
FP Partner Inc. Reports Strong Q3 Growth and Strategic M&A Milestone
Oct 24, 2025
FP Partner Inc. has reported stronger than expected operating profit growth for the third quarter, driven by a recovery in sales of protection-related products and a customer-first approach. The company’s acquisition of PRESTIGE Co., Ltd., a...
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.