Fintech Global Incorporated (8789) AI Stock Analysis

• Market Cap: ¥22.95B
• Dividend Yield: 1.27%
• Average Volume (3M): 976.77K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 1.21
• Revenue Growth: 21.87%
• EPS Growth: -19.19%
• Country: JP
• Employees: 168
• Sector: Financial
• Sector Strength: 71
• Industry: Financial - Conglomerates
• EPS (TTM): 1.58
• Shares Outstanding: 201,321,700
• 10 Day Avg. Volume: 1,209,770
• 30 Day Avg. Volume: 976,770
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• 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: ¥118.00
• Price Target Upside: 3.51% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 71 Outperform
• Price Target: ¥118.00 ▲(3.51% Upside)

Fintech Global Incorporated's robust financial performance and fair valuation are the primary strengths, despite technical analysis indicating a lack of strong momentum. The absence of earnings call data or corporate events limits additional insights.

Fintech Global Incorporated Business Overview & Revenue Model

Company Description

Fintech Global Incorporated (8789) is a diversified financial technology company specializing in providing innovative solutions across various sectors, including financial services, technology, and consulting. The company focuses on leveraging technology to enhance financial operations and services, offering a range of products such as digital payment solutions, financial advisory, and consulting services for businesses looking to navigate the digital transformation of their financial operations.

How the Company Makes Money

Fintech Global Incorporated generates revenue through multiple streams primarily driven by its suite of digital payment solutions and consulting services. The company earns money by charging transaction fees on payments processed through its digital platforms, as well as subscription fees for access to its financial technology solutions. Additionally, it provides consulting services to businesses aiming to improve their financial operations, charging fees based on the scope and complexity of the projects undertaken. Strategic partnerships with banks and financial institutions enhance its offerings and market reach, contributing significantly to its revenue through collaborative products and services.

Fintech Global Incorporated Financial Statement Overview

Summary

Fintech Global Incorporated demonstrates strong revenue growth and profitability metrics, with a stable balance sheet. However, there are challenges in free cash flow consistency and reliance on debt for asset financing.

Income Statement

Fintech Global Incorporated has demonstrated strong revenue growth from the previous year, with a significant increase in total revenue from 2023 to 2024. The company maintains a solid gross profit margin, indicating efficient cost management. The net profit margin and EBIT margin are healthy, showing profitability and operational efficiency. However, there is room for improvement in EBITDA margin to enhance overall profitability.

Balance Sheet

The company's balance sheet reflects a stable financial position with a solid equity base and a moderate debt-to-equity ratio, indicating prudent financial leverage management. The return on equity is impressive, showcasing the company's ability to generate returns for shareholders. However, there is a slight concern regarding the equity ratio which suggests reliance on debt for asset financing.

Cash Flow

The cash flow analysis shows challenges in free cash flow generation, with inconsistent free cash flow figures over the periods analyzed. Despite this, the operating cash flow to net income ratio is strong, suggesting effective cash conversion. Improving free cash flow consistency could enhance the company's financial flexibility.

Breakdown	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement
Total Revenue	13.81B	9.30B	9.30B	8.11B	6.84B
Gross Profit	7.35B	5.11B	3.99B	3.37B	2.31B
EBITDA	3.04B	1.81B	1.15B	817.45M	-150.14M
Net Income	1.68B	1.60B	176.13M	130.81M	-1.19B
Balance Sheet
Total Assets	20.67B	19.12B	17.93B	16.46B	16.58B
Cash, Cash Equivalents and Short-Term Investments	5.79B	5.77B	4.86B	3.42B	3.29B
Total Debt	7.47B	7.65B	8.13B	7.20B	7.62B
Total Liabilities	9.92B	9.73B	10.09B	9.02B	9.28B
Stockholders Equity	9.63B	8.37B	6.64B	6.41B	6.32B
Cash Flow
Free Cash Flow	4.06B	553.26M	-822.85M	558.78M	393.04M
Operating Cash Flow	4.06B	615.26M	-701.85M	747.78M	680.04M
Investing Cash Flow	-547.69M	766.65M	-141.09M	-173.48M	-282.68M
Financing Cash Flow	-790.51M	-538.92M	802.98M	-360.36M	-767.19M

Fintech Global Incorporated Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 114.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8789, the sentiment is Positive. The current price of 114 is above the 20-day moving average (MA) of 112.90, above the 50-day MA of 109.36, and above the 200-day MA of 106.98, indicating a bullish trend. The MACD of 1.74 indicates Positive momentum. The RSI at 54.17 is Neutral, neither overbought nor oversold. The STOCH value of 44.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8789.

Fintech Global Incorporated Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8772	76 Outperform	¥24.57B	7.50		2.68%	14.16%	-2.14%
7191	72 Outperform	¥22.82B	15.57		2.46%	17.16%	19.23%
8551	72 Outperform	¥29.86B	7.51		2.99%	-4.52%	85.81%
8789	71 Outperform	¥22.95B	12.35		1.27%	21.87%	-19.19%
Sector *	65 Neutral	£5.47B	8.77	9.49%	5.10%	10.05%	-13.15%
3772	64 Neutral	¥19.64B	12.58		1.95%	-30.94%	26.14%
8338	60 Neutral	¥23.02B	5.17		1.89%	1.45%	73.78%

Fintech Global Incorporated Corporate Events

FinTech Global Reports Strong Revenue Gains from Private Equity Investments

FinTech Global Incorporated announced significant revenue gains from its private equity investments, reporting ¥1.7 billion in the third quarter and projecting ¥700 million in the fourth quarter of fiscal 2025. The company has revised its revenue forecast for the year to ¥5.0 billion, up from ¥4.3 billion, indicating a positive impact on operating income. Additionally, FGI secured first negotiating rights on large private equity deals, which are expected to boost operating income by over 30% in fiscal 2026.

FinTech Global Books Extraordinary Loss Amid Strategic Investments

FinTech Global Incorporated has announced the booking of an extraordinary loss of ¥505 million due to a provision for doubtful accounts related to new projects aimed at generating additional revenue. Despite this setback, the company remains committed to robust investment activities with a focus on medium- to long-term growth and profitability, indicating a strategic approach to risk management and future development.

FinTech Global Revises Fiscal 2025 Forecast Amid Strong Investment Growth

FinTech Global Incorporated has revised its consolidated performance forecast for fiscal 2025, reflecting a positive outlook due to steady expansion in private equity investments and better-than-expected performance in fund formation and aircraft operating lease activities. Despite an upward revision in revenue, operating income, and ordinary profit forecasts, the profit attributable to owners remains unchanged due to anticipated higher expenses and an extraordinary loss, maintaining the year-end dividend at ¥3 per share.

FinTech Global Reports Strong Operational Performance in Fiscal 2025

FinTech Global Incorporated reported its consolidated financial results for the first three quarters of fiscal 2025, showing an 8.1% increase in revenues compared to the previous year. Despite a slight decrease in profit attributable to owners of the parent, the company experienced significant growth in operating income and ordinary profit, indicating strong operational performance and potential for future growth.

FinTech Global Announces Interim Share Repurchase Status

FinTech Global Incorporated announced the interim status of its share repurchase program, initially resolved in May 2025. The company has repurchased 393,900 shares for 42,880,600 yen as of July 31, 2025, with a total repurchase plan of up to 2,500,000 shares by October 31, 2025. This move is part of FGI’s strategy to enhance shareholder value and optimize its capital structure.

FinTech Global Announces Interim Share Repurchase Status

FinTech Global Incorporated announced the interim status of its share repurchase program, which was resolved by the Board of Directors in May 2025. The company has repurchased 424,400 shares for 45,221,100 yen as of June 30, 2025, as part of a larger plan to repurchase up to 2,500,000 shares by October 2025. This move is likely aimed at enhancing shareholder value and optimizing capital structure.

FinTech Global Announces Interim Share Repurchase Status

FinTech Global Incorporated announced the interim status of its share repurchase program, which was resolved by the Board of Directors on May 9, 2025. The company has repurchased 339,200 shares for a total of 35,552,900 yen as of May 31, 2025, with the program set to continue until October 31, 2025. This move is part of a broader strategy to enhance shareholder value and optimize the company’s capital structure.