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CREAL Inc. (2998) AI Stock Analysis

0 Followers
JP:2998

CREAL Inc.

(TSE/TYO:2998)

Select Model
Rating:56Neutral
Price Target:JPY 438.00â–²(11.17% Upside)
Action:reiterated
Date:09/16/26

The score is held back primarily by volatile financial performance—especially the 2026 revenue drop, higher leverage, and negative operating/free cash flow—despite remaining profitable. Valuation is relatively supportive (low P/E and modest yield), while technical signals are mixed with a weak longer-term trend.

Positive Factors
Long-term growthThe multi-year expansion in revenue and net income indicates that CREAL developed greater business scale and improved its earnings capacity through 2025. Although recent results are volatile, this historical progression provides evidence of an operating model that can generate meaningful growth over several years.
Negative Factors
Revenue volatilityThe abrupt 2026 revenue contraction materially weakens confidence in the durability of CREAL’s growth profile. Such volatility makes forward earnings less predictable, complicates resource planning, and increases the risk that earlier expansion reflected non-recurring or timing-related business drivers.

CREAL Inc. (2998) vs. iShares MSCI Japan ETF (EWJ)

-60%-40%-20%0%20%40%JP:2998-58.20%EWJ+10.02%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
JPY 14.19B
Dividend Yield
2.03%
Average Volume (3M)
125.21K
Price to Earnings (P/E)
8.0
Beta (1Y)
0.96
Revenue Growth
-7.78%
EPS Growth
55.36%
Country
Japan
Employees
299
Sector
Financial
Sector Strength
68
Industry
Asset Management

CREAL Inc. Business Overview & Revenue Model

Company Description

Headquartered in Tokyo, Japan, CREAL Inc., established in 2011, is an asset management company offering diverse financial solutions. The firm operates three primary platforms: CREAL, an online marketplace facilitating real estate fund investments for...

CREAL Inc. Financial Statement Overview

Summary

Multi-year revenue and profitability improved into 2025, but 2026 shows clear instability: a sharp revenue contraction (-71.1%), materially higher debt, and a swing to negative operating/free cash flow. Overall profitability remains positive, but volatility and weaker cash conversion reduce confidence in sustainability.

Income Statement

62Positive

Balance Sheet

56Neutral

Cash Flow

34Negative
Financial statement breakdown
BreakdownTTMMar 2026Mar 2025Mar 2024Mar 2023Mar 2022
Income Statement
Total Revenue35.10B37.80B41.82B21.04B16.44B10.58B
Gross Profit7.36B7.69B5.65B3.56B2.21B1.55B
EBITDA2.38B2.86B2.01B1.04B609.73M372.49M
Net Income1.57B1.94B1.35B647.57M336.17M172.42M
Balance Sheet
Total Assets40.56B44.26B52.94B35.75B21.49B10.93B
Cash, Cash Equivalents and Short-Term Investments18.38B18.63B19.21B9.54B7.55B1.99B
Total Debt9.00B8.69B4.76B5.94B3.03B1.18B
Total Liabilities29.72B32.79B47.66B31.94B18.38B9.88B
Stockholders Equity10.83B11.47B5.27B3.81B3.11B1.04B
Cash Flow
Free Cash Flow0-8.28B10.96B-1.26B1.27B196.17M
Operating Cash Flow0-8.21B10.02B-1.21B1.29B274.83M
Investing Cash Flow0-676.10M-1.17B-134.78M-122.80M237.44M
Financing Cash Flow08.08B-1.11B2.91B3.57B-1.09B

CREAL Inc. Technical Analysis

Technical Analysis SentimentNegative
Last Price394.00

Price Trends

50DMA488.70Negative
100DMA497.57Negative
200DMA621.36Negative

Market Momentum

MACD-21.03Negative
RSI31.01Neutral
STOCH30.56Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:2998, the sentiment is Negative. The current price of 394.00 is below the 20-day moving average (MA) of 431.90, below the 50-day MA of 488.70, and below the 200-day MA of 621.36, indicating a bearish trend. The MACD of -21.03 indicates Negative momentum. The RSI at 31.01 is Neutral, neither overbought nor oversold. The STOCH value of 30.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:2998.

CREAL Inc. Peers Comparison

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

JP:2998 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
JP:8739JP:873984OutperformJPY 76.69B11.0421.29%6.14%30.22%45.03%
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
JP:3454JP:345466NeutralJPY 17.71B4.77―2.77%11.72%131.44%
JP:2998JP:299856NeutralJPY 15.35B7.98―2.03%-7.78%55.36%
JP:2134JP:213444NeutralJPY 7.37B-4.54――263.03%23.09%
JP:3121JP:312142NeutralJPY 7.94B-72.78―1.20%-33.35%-180.21%

* Financial Sector Average

Performance Comparison

-50%0%50%JP:2998JP:8739JP:2134JP:3121JP:3266JP:3454Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
JP:2998 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
JP:2998CREAL Inc.394.00-484.35-55.14%
JP:8739Sparx Group Co., Ltd.2363.00979.8870.85%
JP:2134Sun Capital Management Corp.12.00-33.00-73.33%
JP:3121MBK Co., Ltd.249.00-6.74-2.63%
JP:3266Fund Creation Group Co., Ltd.71.00-19.94-21.93%
JP:3454First Brothers Co., Ltd.1239.0071.236.10%

CREAL Inc. Corporate Events

CREAL Unveils Q1 FY2027 Results Framework and Outlook

Aug 14, 2026

CREAL Inc. has released presentation materials outlining its financial results for the first quarter of the fiscal year ending March 2027. The document, structured around an executive summary, company overview, segment-by-segment Q1 results, earnings...

CREAL Swings to Quarterly Loss but Holds Full-Year Forecast and Dividend Plan

Aug 14, 2026

CREAL Inc. reported a sharp year-on-year decline in first-quarter performance for the three months ended June 30, 2026, with net sales falling to ¥7.377 billion and gross profit down to ¥987 million. The company swung to an operating and or...

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Sep 16, 2026