Billing System Corporation AI Stock Analysis
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Billing System Corporation (3623) AI Stock Analysis
Billing System Corporation
(TSE/TYO:3623)
The company's excellent financial fundamentals, characterized by a debt-free balance sheet and strong cash generation, are the primary strengths. However, the overall score is significantly weighed down by extremely weak technicals, with the stock in a clear downtrend and showing deeply oversold momentum. The reasonable valuation provides some support but is a secondary factor.
Billing System Corporation (3623) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 6.80B
- Dividend Yield
- 2.37%
- Average Volume (3M)
- 25.96K
- Price to Earnings (P/E)
- 12.5
- Beta (1Y)
- 0.48
- Revenue Growth
- 13.23%
- EPS Growth
- 40.67%
- Country
- Japan
- Employees
- 97
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Software - Infrastructure
Billing System Corporation Business Overview & Revenue Model
Company Description
Headquartered in Tokyo, Japan, Billing System Corporation specializes in delivering a comprehensive suite of settlement services. The company's diverse offerings span numerous payment processing and agency functions, including facilitating account tr...
Billing System Corporation Financial Statement Overview
Summary
Strong financial health with consistent revenue growth (~9.5% CAGR), expanding margins, a pristine debt-free balance sheet, and robust cash flow conversion. The 2022 cash flow dip and slight 2025 moderation are minor relative to overall stability.
Income Statement
82Very PositiveBalance Sheet
95Very PositiveCash Flow
85Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.03B | 4.55B | 4.22B | 3.78B | 3.43B | 3.14B |
| Gross Profit | 1.95B | 1.62B | 1.53B | 1.37B | 1.21B | 1.03B |
| EBITDA | 848.91M | 651.38M | 676.45M | 518.36M | 535.97M | 401.53M |
| Net Income | 547.33M | 408.02M | 406.90M | 300.06M | 323.04M | 224.02M |
Balance Sheet | ||||||
| Total Assets | 30.00B | 30.15B | 25.96B | 21.30B | 15.16B | 16.02B |
| Cash, Cash Equivalents and Short-Term Investments | 27.72B | 27.82B | 23.80B | 19.58B | 13.58B | 14.88B |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 26.53B | 26.87B | 23.00B | 18.69B | 12.80B | 13.93B |
| Stockholders Equity | 3.32B | 3.13B | 2.83B | 2.50B | 2.26B | 2.00B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 4.20B | 4.31B | 6.00B | -1.14B | 6.26B |
| Operating Cash Flow | 0 | 4.20B | 4.36B | 6.13B | -1.12B | 6.33B |
| Investing Cash Flow | 0 | -37.85M | -48.31M | -66.15M | -112.51M | -86.03M |
| Financing Cash Flow | 0 | -147.85M | -80.69M | -66.76M | -66.83M | -155.66M |
Billing System Corporation Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3623, the sentiment is Negative. The current price of 1090.00 is below the 20-day moving average (MA) of 1172.80, below the 50-day MA of 1226.98, and below the 200-day MA of 1097.76, indicating a bearish trend. The MACD of -38.50 indicates Positive momentum. The RSI at 32.77 is Neutral, neither overbought nor oversold. The STOCH value of 38.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:3623.
Billing System Corporation Peers Comparison
Overall Rating
JP:443183Outperform
JP:437475Outperform
JP:376973Outperform- JP:362370.5Outperform
JP:363367Neutral
JP:441960Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:4431 | 83Outperform | JPY 67.89B | 26.36 | ― | 0.69% | 20.70% | 56.44% |
| JP:4374 | 75Outperform | JPY 9.65B | 14.84 | ― | 1.12% | 14.08% | 28.55% |
| JP:3769 | 73Outperform | JPY 664.00B | 26.35 | 20.84% | 2.14% | 15.40% | 14.93% |
| JP:3623 | 71Outperform | JPY 6.95B | 12.46 | ― | 2.37% | 13.23% | 40.67% |
| JP:3633 | 67Neutral | JPY 12.31B | 7.72 | ― | 2.88% | -3.24% | 80.65% |
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| JP:4419 | 60Neutral | JPY 61.99B | 34.51 | ― | ― | 45.49% | 103.80% |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:3623 | Billing System Corporation | 1090.00 | 81.81 | 8.11% | |
| JP:3769 | GMO Payment Gateway | 8755.00 | -1101.80 | -11.18% | |
| JP:3633 | GMO Pepabo, Inc. | 2326.00 | 198.23 | 9.32% | |
| JP:4374 | ROBOT PAYMENT INC. | 1245.00 | -181.63 | -12.73% | |
| JP:4419 | Finatext Holdings Ltd. | 1193.00 | 258.00 | 27.59% | |
| JP:4431 | Smaregi, Inc. | 3470.00 | 676.06 | 24.20% |
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: Nov 07, 2026