Fintech Global Incorporated (8789) AI Stock Analysis

• Market Cap: ¥29.39B
• Dividend Yield: 2.17%
• Average Volume (3M): 2.96M
• Price to Earnings (P/E): 13.4
• Beta (1Y): 1.15
• Revenue Growth: 4.53%
• EPS Growth: 29.87%
• Country: JP
• Employees: 168
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Conglomerates
• EPS (TTM): 2.72
• Shares Outstanding: 201,321,700
• 10 Day Avg. Volume: 6,447,440
• 30 Day Avg. Volume: 2,956,416
• PEG Ratio: 0.36
• Price to Book (P/B): 2.08
• Price to Sales (P/S): 1.58
• P/FCF Ratio: -13.97
• 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: 70 Neutral
• Price Target: ¥155.00 ▲(11.51% Upside)

The stock score is primarily driven by a solid financial performance with potential growth opportunities, despite liquidity challenges. Technical analysis supports a positive trend, and the valuation is attractive with a reasonable P/E ratio and a decent dividend yield. The absence of earnings call and corporate events data did not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategy, supporting long-term expansion and stability.

Profitability Margins

Strong gross margins reflect efficient operations and cost control, enhancing profitability and competitive positioning in the fintech sector.

Market Position

As a leader in fintech, the company's innovative solutions and market presence provide a competitive edge and growth opportunities.

Negative Factors

Debt Levels

Rising debt levels can strain financial flexibility and increase risk, potentially impacting long-term financial health and investment capacity.

Cash Flow Volatility

Volatile cash flows can hinder the company's ability to fund operations and growth initiatives, posing a risk to financial stability.

Revenue Decline

A recent revenue decline may indicate market challenges or competitive pressures, affecting growth momentum and strategic objectives.

Fintech Global Incorporated Business Overview & Revenue Model

Company Description

Fintech Global Incorporated (8789) is a leading financial technology firm specializing in innovative solutions that enhance payment processing, digital banking, and financial data analytics. The company operates primarily in the fintech sector, offering a suite of products that includes payment gateways, mobile banking applications, and blockchain-based financial services. Through its advanced technology and user-friendly interfaces, Fintech Global aims to streamline financial transactions for businesses and consumers alike, while ensuring robust security and compliance with regulatory standards.

How the Company Makes Money

Fintech Global Incorporated generates revenue through a diversified model that includes transaction fees from its payment processing services, subscription fees for its SaaS-based digital banking platforms, and licensing fees for its proprietary financial software solutions. Key revenue streams are derived from partnerships with banks, e-commerce platforms, and retail businesses that utilize its technology to enhance their payment systems. Additionally, the company benefits from strategic alliances with technology providers and financial institutions, which expand its market reach and enhance its service offerings. The growing demand for digital financial solutions in various sectors, particularly in emerging markets, further contributes to its earnings potential.

Fintech Global Incorporated Financial Statement Overview

Summary

Fintech Global Incorporated demonstrates a strong revenue base and improving profitability margins, though recent revenue decline and cash flow volatility present challenges. The balance sheet is stable, but rising debt levels require careful monitoring. Overall, the company shows potential for growth but must address liquidity issues to sustain long-term success.

Income Statement

Fintech Global Incorporated has shown a consistent increase in revenue over the years, although the most recent year saw a slight decline. The company maintains a strong gross profit margin, indicating efficient cost management. However, the net profit margin has fluctuated, reflecting variability in profitability. The EBIT and EBITDA margins have improved, suggesting better operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has been relatively stable, indicating a balanced approach to leveraging. However, the increase in total debt in the latest year could pose a risk if not managed carefully. Return on equity has improved, reflecting better utilization of shareholder funds. The equity ratio remains healthy, suggesting a solid financial structure.

Cash Flow

Cash flow from operations has been volatile, with recent negative figures indicating potential liquidity challenges. Free cash flow has also been inconsistent, impacting the company's ability to reinvest or return capital to shareholders. The operating cash flow to net income ratio suggests that earnings are not fully translating into cash flow, which could be a concern.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	14.59B	14.43B	13.81B	9.30B	9.30B	8.11B
Gross Profit	8.53B	8.36B	7.35B	5.11B	3.99B	3.37B
EBITDA	3.71B	3.91B	3.04B	1.81B	1.24B	817.45M
Net Income	1.80B	2.12B	1.68B	1.60B	176.13M	130.81M
Balance Sheet
Total Assets	25.97B	26.99B	20.67B	19.12B	17.93B	16.46B
Cash, Cash Equivalents and Short-Term Investments	6.85B	6.63B	5.79B	5.77B	4.86B	3.42B
Total Debt	11.73B	11.70B	7.47B	7.65B	8.13B	7.20B
Total Liabilities	14.47B	14.95B	9.92B	9.73B	10.09B	9.02B
Stockholders Equity	10.51B	10.97B	9.63B	8.37B	6.64B	6.41B
Cash Flow
Free Cash Flow	0.00	-1.63B	3.16B	553.26M	-822.85M	558.78M
Operating Cash Flow	0.00	-1.34B	4.06B	615.26M	-701.85M	747.78M
Investing Cash Flow	0.00	-1.59B	-547.69M	766.65M	-141.09M	-173.48M
Financing Cash Flow	0.00	3.13B	-790.51M	-538.92M	802.98M	-360.36M

Fintech Global Incorporated Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 139.00
• 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 139 is below the 20-day moving average (MA) of 143.60, below the 50-day MA of 143.62, and above the 200-day MA of 117.55, indicating a bullish trend. The MACD of 1.26 indicates Positive momentum. The RSI at 57.04 is Neutral, neither overbought nor oversold. The STOCH value of 61.11 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
7191	81 Outperform	¥25.19B	15.29	―	2.50%	16.70%	22.23%
8551	75 Outperform	¥38.80B	11.08	―	3.28%	22.26%	-12.68%
8772	70 Outperform	¥30.80B	8.02	―	2.41%	15.07%	27.86%
8789	70 Neutral	¥29.39B	13.39	―	2.17%	4.53%	29.87%
3772	69 Neutral	¥20.25B	109.26	―	1.85%	-40.77%	-91.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8338	66 Neutral	¥42.09B	7.07	―	1.20%	8.45%	168.74%

Fintech Global Incorporated Corporate Events

FinTech Global Unveils Capital-Efficiency Focused Management Initiatives

FinTech Global Incorporated has released an updated outline of its actions to implement management practices that are more conscious of its cost of capital and stock price as of December 16, 2025. The document details an analysis of the company’s current return on capital with a focus on ROE, its cost of capital, and market valuation, and sets out initiatives and targets to improve ROE and reduce the cost of shareholders’ equity, signaling a stronger emphasis on capital efficiency and shareholder value.

The most recent analyst rating on (JP:8789) stock is a Hold with a Yen155.00 price target. To see the full list of analyst forecasts on Fintech Global Incorporated stock, see the JP:8789 Stock Forecast page.

FinTech Global Reports Strong Fiscal 2025 Results and Positive Outlook for 2026

FinTech Global Incorporated reported a significant improvement in its financial performance for fiscal 2025, with a 4.5% increase in revenues and substantial growth in operating income and profits. The company also announced a higher dividend payout, reflecting its strong financial position and commitment to returning value to shareholders. The introduction of a new subsidiary, Solar 2025 Spring LLC, indicates strategic expansion efforts. The financial forecasts for fiscal 2026 suggest continued growth, with expectations of increased revenues and profits.

The most recent analyst rating on (JP:8789) stock is a Hold with a Yen116.00 price target. To see the full list of analyst forecasts on Fintech Global Incorporated stock, see the JP:8789 Stock Forecast page.

FinTech Global Completes Major Share Repurchase

FinTech Global Incorporated has completed a significant repurchase of its own shares, totaling 2,500,000 shares at a cost of 277,174,700 yen, as per the resolution passed by its Board of Directors. This move is expected to impact the company’s market positioning by potentially increasing shareholder value and consolidating its share structure.

The most recent analyst rating on (JP:8789) stock is a Hold with a Yen116.00 price target. To see the full list of analyst forecasts on Fintech Global Incorporated stock, see the JP:8789 Stock Forecast page.