Fidea Holdings Co.Ltd. (8713) AI Stock Analysis

• Market Cap: ¥34.43B
• Dividend Yield: 4%
• Average Volume (3M): 60.10K
• Price to Earnings (P/E): 7.0
• Beta (1Y): 0.82
• Revenue Growth: 10.72%
• EPS Growth: 293.23%
• Country: JP
• Employees: 1,421
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 67.95
• Shares Outstanding: 18,142,122
• 10 Day Avg. Volume: 55,630
• 30 Day Avg. Volume: 60,096
• PEG Ratio: 0.07
• Price to Book (P/B): 0.35
• Price to Sales (P/S): 0.56
• P/FCF Ratio: 0.64
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: ¥2,097.00 ▲(32.30% Upside)
• Action: Reiterated Date: 02/06/26
• Date: Action: Reiterated 02/06/26

The score is driven primarily by mixed financial performance—cash flow improvement and strong margins offset by weak/volatile revenue trends and high leverage—while technicals are positively trending and valuation is supportive due to a low P/E and solid dividend yield.

Positive Factors

Consistent gross margin

A consistent 100% gross profit margin indicates durable cost control at the core banking operations or holding consolidation. This margin buffer helps absorb revenue volatility, supports stable coverage of operating costs, and maintains runway for investment or dividends over the next several months.

Strong free cash flow recovery

A meaningful recovery in free cash flow and near-1 conversion ratio show the group is converting accounting profit into cash. Durable cash generation improves flexibility for capital allocation, supports dividends or debt reduction, and cushions against short-term revenue swings.

Diversified banking income model

The holding structure overseeing regional banking subsidiaries yields diversified revenue streams (net interest and fee income) across retail and corporate clients. This structural diversification reduces single-product risk and provides steady deposit and fee bases that support resilience over 2–6 months.

Negative Factors

High leverage

Significant leverage raises refinancing and interest-rate risks, reducing financial flexibility. In a regional banking context, high debt-to-equity can constrain capital buffers, limit capacity for growth or shock absorption, and increase the probability of forced deleveraging under stress.

Inconsistent revenue growth

Volatile and recently declining revenue undermines predictability of future earnings and cash flow. For a banking group, inconsistent top-line trends complicate interest margin management and fee income forecasting, making budgeting, capital planning, and dividend sustainability less certain.

Weak returns & margin volatility

Relatively low ROE indicates the group struggles to generate attractive returns on shareholder capital. Combined with reported volatility in net and operating margins, this points to structural challenges in converting revenue into durable profitability and limits long-term shareholder value creation.

Fidea Holdings Co.Ltd. Business Overview & Revenue Model

Company Description

Fidea Holdings Co., Ltd. (8713) is a diversified investment holding company based in Japan, primarily engaged in the sectors of real estate, finance, and technology. The company focuses on acquiring, developing, and managing a portfolio of assets to generate stable income and capital appreciation. Its core offerings include property management services, financial advisory, and technology-driven solutions that enhance operational efficiencies across its investments.

How the Company Makes Money

Fidea Holdings generates revenue through multiple key streams. Firstly, it earns income from its real estate operations by leasing and managing commercial and residential properties, which provides a consistent rental income. Secondly, the company offers financial advisory services, charging fees for consultations and strategic financial planning for corporate clients. Thirdly, its technology segment contributes to revenue through the development and licensing of software solutions aimed at improving asset management and operational efficiency for its clients. Additionally, strategic partnerships with financial institutions and technology firms enhance its market reach and provide access to new revenue opportunities.

Fidea Holdings Co.Ltd. Financial Statement Overview

Summary

Mixed fundamentals: strong gross profit margin and improved/free cash flow recovery, but inconsistent revenue growth (including a recent drop) and high leverage with relatively low ROE weigh on overall quality and financial flexibility.

Income Statement

Fidea Holdings Co.Ltd. shows a mixed performance in its income statement. The company has maintained a strong gross profit margin of 100% consistently, indicating efficient cost management. However, the net profit margin has fluctuated, with a decline in recent years, reflecting challenges in converting revenue into profit. Revenue growth has been inconsistent, with a significant drop in the latest period, which is a concern for future profitability. The EBIT and EBITDA margins have also shown volatility, suggesting potential operational inefficiencies.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, indicating significant leverage, which could pose risks in a volatile market. The return on equity is relatively low, suggesting that the company is not generating substantial returns on shareholders' investments. The equity ratio is not explicitly calculated but appears to be stable given the consistent stockholders' equity figures. Overall, the balance sheet reflects a need for improved financial stability and risk management.

Cash Flow

The cash flow statement shows a strong recovery in free cash flow, with significant growth in the latest period. The operating cash flow to net income ratio indicates that the company is generating sufficient cash from operations relative to its net income. However, historical volatility in cash flows suggests potential challenges in maintaining consistent cash generation. The free cash flow to net income ratio is close to 1, indicating efficient cash conversion.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	45.46B	48.95B	46.72B	47.97B	47.53B	49.52B
Gross Profit	45.46B	46.12B	45.65B	47.52B	47.36B	49.02B
EBITDA	2.51B	5.65B	4.99B	6.48B	7.58B	7.30B
Net Income	2.84B	2.82B	1.18B	3.27B	3.51B	3.31B
Balance Sheet
Total Assets	2.98T	2.92T	3.06T	3.02T	3.27T	3.22T
Cash, Cash Equivalents and Short-Term Investments	0.00	316.70B	306.34B	316.92B	725.95B	612.33B
Total Debt	98.40B	103.30B	176.47B	157.65B	396.63B	399.70B
Total Liabilities	2.89T	2.84T	2.97T	2.93T	3.16T	3.10T
Stockholders Equity	81.54B	77.23B	85.67B	90.51B	108.92B	119.78B
Cash Flow
Free Cash Flow	0.00	42.82B	-14.28B	-405.49B	83.99B	468.07B
Operating Cash Flow	0.00	43.31B	-13.40B	-404.54B	85.90B	469.63B
Investing Cash Flow	0.00	159.67B	-75.51B	913.00M	34.70B	-3.14B
Financing Cash Flow	0.00	-73.05B	34.07B	-7.24B	-7.02B	-1.26B

Fidea Holdings Co.Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1585.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8713, the sentiment is Negative. The current price of 1585 is below the 20-day moving average (MA) of 2154.85, below the 50-day MA of 2052.04, and below the 200-day MA of 1684.00, indicating a neutral trend. The MACD of -4.18 indicates Positive momentum. The RSI at 34.57 is Neutral, neither overbought nor oversold. The STOCH value of 11.55 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8713.

Fidea Holdings Co.Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8558	78 Outperform	¥41.48B	24.09	―	2.87%	16.42%	119.62%
8713	71 Outperform	¥34.43B	7.00	4.94%	4.00%	10.72%	293.23%
8541	69 Neutral	¥69.35B	6.31	―	2.34%	-0.97%	27.62%
8551	68 Neutral	¥40.13B	10.62	―	3.28%	22.26%	-12.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8338	65 Neutral	¥47.45B	4.49	―	1.20%	8.45%	168.74%
8364	64 Neutral	¥32.28B	7.87	―	2.59%	4.90%	―

Fidea Holdings Co.Ltd. Corporate Events

Fidea Holdings Posts Higher Nine-Month Profit and Keeps Fiscal 2026 Outlook Intact

Fidea Holdings reported consolidated ordinary income of ¥40.35 billion for the nine months ended December 31, 2025, up 6.2% year on year, with ordinary profit rising 5.9% to ¥3.87 billion and profit attributable to owners of parent increasing 7.3% to ¥3.14 billion. The group’s equity position improved, with net assets climbing to ¥85.88 billion and the equity-to-asset ratio edging up to 2.9%, while it maintained its full-year earnings guidance and planned annual dividend of ¥75 per share, signaling stable capital policy and steady profitability for shareholders.

Total assets reached ¥2.95 trillion as of December 31, 2025, up from ¥2.92 trillion at the prior fiscal year-end, indicating measured balance-sheet expansion alongside stronger comprehensive income compared with the previous year. The company confirmed there were no significant changes in consolidation scope or accounting policies, and reiterated that its forecasts for ordinary profit of ¥4.8 billion and profit attributable to owners of parent of ¥3.3 billion for the fiscal year ending March 31, 2026 remain unchanged, underscoring management’s confidence in sustaining performance despite a modest capital base.

The most recent analyst rating on (JP:8713) stock is a Buy with a Yen2378.00 price target. To see the full list of analyst forecasts on Fidea Holdings Co.Ltd. stock, see the JP:8713 Stock Forecast page.