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Money Forward, Inc. (JP:3994)
:3994
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Money Forward (3994) Price & Analysis

2 Followers

3994 Stock Chart & Stats

¥5000.00
-¥23.00(-0.47%)
At close: 4:00 PM EST
¥5000.00
-¥23.00(-0.47%)

Bulls Say, Bears Say

Bulls Say
Profitability Inflection (2025)A clear 2025 profitability inflection demonstrates the business can reach positive net income, EBITDA and free cash flow, indicating improving unit economics and operational leverage. This structural shift reduces reliance on external funding and supports reinvestment if sustained across cycles.
Recurring SaaS Model And Data ConnectivityA subscription-based SaaS model plus a financial-data aggregation layer creates durable, recurring revenue and high customer stickiness. Cross-sell of modules and value from aggregated financial data support predictable revenue streams and scalable margins over the medium term.
Improving Balance-sheet LeverageGrowing equity and an improving debt-to-equity ratio signal stronger balance-sheet support as the company scales. Manageable leverage for a software company provides financial flexibility to fund growth initiatives and absorb shocks without immediate refinancing pressure.
Bears Say
Operating Profit Still NegativeDespite a headline net-income swing, core operating profit remains negative, implying the underlying business still has structural cost or efficiency gaps. Persistent operating losses weaken margin sustainability and mean profitability could revert if revenue growth slows or expenses reaccelerate.
Free Cash Flow VolatilityCash generation improved in 2025, but a track record of multi-year negative operating and free cash flow shows conversion risk. Volatile FCF makes organic funding of growth uncertain, raises refinancing risk, and limits strategic flexibility during downturns.
High Absolute Debt LevelsEven with improved leverage ratios, total debt is still high in absolute terms and has recently increased. Elevated debt can raise interest and refinancing risk, constrain capital allocation, and amplify downside if operating performance deteriorates.

Money Forward News

3994 FAQ

What was Money Forward, Inc.’s price range in the past 12 months?
Money Forward, Inc. lowest stock price was ¥2750.50 and its highest was ¥6794.00 in the past 12 months.
    What is Money Forward, Inc.’s market cap?
    Money Forward, Inc.’s market cap is ¥220.88B.
      When is Money Forward, Inc.’s upcoming earnings report date?
      Money Forward, Inc.’s upcoming earnings report date is Jul 13, 2026 which is in 31 days.
        How were Money Forward, Inc.’s earnings last quarter?
        Money Forward, Inc. released its earnings results on Apr 14, 2026. The company reported ¥33.06 earnings per share for the quarter, beating the consensus estimate of ¥12.712 by ¥20.348.
          Is Money Forward, Inc. overvalued?
          According to Wall Street analysts Money Forward, Inc.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Money Forward, Inc. pay dividends?
            Money Forward, Inc. does not currently pay dividends.
            What is Money Forward, Inc.’s EPS estimate?
            Money Forward, Inc.’s EPS estimate is -7.16.
              How many shares outstanding does Money Forward, Inc. have?
              Money Forward, Inc. has 55,701,813 shares outstanding.
                What happened to Money Forward, Inc.’s price movement after its last earnings report?
                Money Forward, Inc. reported an EPS of ¥33.06 in its last earnings report, beating expectations of ¥12.712. Following the earnings report the stock price went up 7.694%.
                  Which hedge fund is a major shareholder of Money Forward, Inc.?
                  Currently, no hedge funds are holding shares in JP:3994
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Money Forward, Inc.

                    Money Forward, Inc. delivers a comprehensive range of financial solutions tailored for both individual and corporate clients. For personal users, offerings include Money Forward ME, an automated personal finance management service; MONEY PLUS, designed to enhance financial literacy; Money Forward Mall, a digital platform for comparing and applying for financial products such as credit cards and investment accounts; mirai talk, which provides channels for addressing financial concerns; and Tock pop, a dedicated coupon application. The company's extensive business services are largely centered around the Money Forward Cloud platform, encompassing solutions for Accounting, Final Report preparation, Invoice generation, Salary processing, Attendance tracking, My Number identification management, Expense reimbursement, and Fundraising, which facilitates the sharing of cloud data with financial institutions. Additional corporate tools include STREAMED, specializing in automating accounting ledger entries; Manageboard, a cloud service enabling business analysis through imported accounting data; MF KESSAI, an inter-company deferred payment system; BALES, offering inside sales outsourcing and consulting; BALES CLOUD, a cloud-based system for managing inside sales operations; BOXIL, a resource providing pricing, specifications, and user reviews for various Software-as-a-Service options; and Money Forward X, a division dedicated to collaborating with clients on custom service development. Founded in 2012 as Moneybook Co., the company officially adopted its current name, Money Forward, Inc., in December of the same year. Its operations are headquartered in Tokyo, Japan.

                    Money Forward (3994) Earnings & Revenues

                    3994 Stock 12 Month Forecast

                    Average Price Target

                    ¥3,750.00
                    ▼(-25.00% Downside)
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