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Bank of Innovation, Inc. (JP:4393)
:4393
Japanese Market
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Bank of Innovation, Inc. (4393) Price & Analysis

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4393 Stock Chart & Stats

¥6120.00
¥220.00(3.36%)
At close: 4:00 PM EST
¥6120.00
¥220.00(3.36%)

Bulls Say, Bears Say

Bulls Say
Low Leverage & Strong Equity BaseA 73.2% equity ratio and 0.22 debt-to-equity indicate very low leverage and durable financial stability. This reduces refinancing and interest-rate risk, preserves regulatory capital headroom, and gives management flexibility to fund digital banking growth or absorb shocks without materially raising funding costs.
High ROE And Healthy MarginsROE of 23.2% alongside a 48.5% gross margin and 10.9% net margin signals structurally profitable economics and efficient use of equity. These margins provide persistent earnings capacity to reinvest in product development and customer acquisition, supporting sustainable competitive positioning over multiple quarters.
Strong Cash GenerationA turnaround to positive operating and free cash flow and an OCF-to-net-income ratio of 2.12 reflect reliable cash conversion. Durable cash generation supports organic loan growth, technology investment and liquidity buffers, reducing reliance on external funding and enabling steady capital allocation over the medium term.
Bears Say
Margin Compression / Operational EfficiencyDeclining EBIT and EBITDA margins point to weakening operational efficiency or rising costs. If this trend persists it can erode net profitability and ROE, constrain reinvestment in digital products, and force difficult trade-offs between growth and margin restoration across upcoming quarters.
Cash Flow VolatilityAlthough recent cash flow is positive, historical volatility complicates medium-term planning. Variable cash generation can force higher liquidity buffers, limit predictable lending capacity, and increase funding or operational contingency costs, reducing the firm's ability to execute capital-intensive initiatives reliably.
Inconsistent Revenue TrendsA negative reported revenue growth metric (-3.5%) signals inconsistency in top-line performance despite pockets of strong years. Persistent revenue variability undermines scale economics, makes forecasting and resource allocation harder, and can pressure operating leverage and long-term margin recovery.

4393 FAQ

What was Bank of Innovation, Inc.’s price range in the past 12 months?
Bank of Innovation, Inc. lowest stock price was ¥4225.00 and its highest was ¥14450.00 in the past 12 months.
    What is Bank of Innovation, Inc.’s market cap?
    Bank of Innovation, Inc.’s market cap is ¥19.20B.
      When is Bank of Innovation, Inc.’s upcoming earnings report date?
      Bank of Innovation, Inc.’s upcoming earnings report date is Aug 14, 2026 which is in 11 days.
        How were Bank of Innovation, Inc.’s earnings last quarter?
        Bank of Innovation, Inc. released its earnings results on May 15, 2026. The company reported ¥128.13 earnings per share for the quarter, beating the consensus estimate of N/A by ¥128.13.
          Is Bank of Innovation, Inc. overvalued?
          According to Wall Street analysts Bank of Innovation, Inc.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Bank of Innovation, Inc. pay dividends?
            Bank of Innovation, Inc. does not currently pay dividends.
            What is Bank of Innovation, Inc.’s EPS estimate?
            Bank of Innovation, Inc.’s EPS estimate for its next earnings report is not yet available.
            How many shares outstanding does Bank of Innovation, Inc. have?
            Bank of Innovation, Inc. has 4,003,000 shares outstanding.
              What happened to Bank of Innovation, Inc.’s price movement after its last earnings report?
              Bank of Innovation, Inc. reported an EPS of ¥128.13 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.434%.
                Which hedge fund is a major shareholder of Bank of Innovation, Inc.?
                Currently, no hedge funds are holding shares in JP:4393
                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

                  Bank of Innovation, Inc.

                  Headquartered in Tokyo, Japan, Bank of Innovation, Inc. specializes in the development and operation of games for smartphones. The company, which was established in 2006, offers titles such as Mitrasphere and Cryptotract.

                  Bank of Innovation, Inc. (4393) Earnings & Revenues

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