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Information Planning Co., Ltd.
(3712)
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Rating:76Outperform
Price Target:
¥1,098.00
▼(-82.71% Downside)
Action:Reiterated
Date:10/24/26
The score is driven primarily by strong financial performance—exceptional profitability and a conservative, low-leverage balance sheet—partly tempered by inconsistent cash conversion and weaker recent free cash flow. Valuation is supportive with a modest P/E and a ~2.47% dividend yield, while technical indicators are mixed and do not show clear bullish momentum.
Positive Factors
High Profitability
Exceptionally strong margins indicate substantial earnings power from the company’s software and related services. Their resilience in 2025 supports reinvestment, customer support, and product development while providing a durable buffer against moderate cost pressure.
Negative Factors
Weak Cash Conversion
Inconsistent conversion of reported earnings into cash reduces the quality and predictability of internally generated funds. If this persists, the company may have less cash available for product investment, shareholder returns, or strategic initiatives despite strong accounting profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Exceptionally strong margins indicate substantial earnings power from the company’s software and related services. Their resilience in 2025 supports reinvestment, customer support, and product development while providing a durable buffer against moderate cost pressure.
Read all positive factors
Information Planning Co., Ltd. (3712) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥19.63B
Dividend Yield2.41%
Average Volume (3M)5.80K
Price to Earnings (P/E)12.2
Beta (1Y)0.20
Revenue Growth13.26%
EPS Growth13.68%
CountryJP
Employees154
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Application
Share Statistics
EPS (TTM)81.50
Shares Outstanding20,450,000
10 Day Avg. Volume8,260
30 Day Avg. Volume5,803
Financial Highlights & Ratios
PEG Ratio2.79
Price to Book (P/B)2.76
Price to Sales (P/S)4.99
P/FCF Ratio42.78
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Information Planning Co., Ltd. Business Overview & Revenue Model
Company Description
Information Planning Co. Ltd. specializes in delivering information technology consulting services, primarily catering to the financial sector. Their extensive suite of credit risk management products encompasses tools for in-depth financial state...
How the Company Makes Money
Information Planning Co., Ltd. generates revenue primarily through (1) software-related sales and (2) services tied to the introduction and ongoing use of its software. Key revenue streams typically include: (a) licensing fees from selling or prov...
Information Planning Co., Ltd. Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
92
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.30B | 3.84B | 3.61B | 3.53B | 3.23B | 3.15B |
| Gross Profit | 2.71B | 2.51B | 2.41B | 2.33B | 2.02B | 1.95B |
| EBITDA | 1.92B | 1.66B | 1.55B | 1.49B | 1.31B | 1.32B |
| Net Income | 1.23B | 1.08B | 1.01B | 964.22M | 862.12M | 868.67M |
Balance Sheet | ||||||
| Total Assets | 8.85B | 8.42B | 7.52B | 6.72B | 7.14B | 6.42B |
| Cash, Cash Equivalents and Short-Term Investments | 3.01B | 2.85B | 2.72B | 2.66B | 3.26B | 2.46B |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 78.23M | 0.00 |
| Total Liabilities | 1.38B | 1.46B | 1.31B | 1.23B | 1.48B | 1.33B |
| Stockholders Equity | 7.47B | 6.95B | 6.21B | 5.50B | 5.66B | 5.09B |
Cash Flow | ||||||
| Free Cash Flow | 448.31M | 448.31M | 340.56M | 626.82M | 1.15B | 771.65M |
| Operating Cash Flow | 1.15B | 1.15B | 1.21B | 680.53M | 1.18B | 806.18M |
| Investing Cash Flow | -684.34M | -684.34M | -839.94M | -92.81M | -73.02M | -98.22M |
| Financing Cash Flow | -332.91M | -332.91M | -302.43M | -1.21B | -301.83M | -267.66M |
Information Planning Co., Ltd. Technical Analysis
Positive
6350.00
Price Trends
993.67
Positive
967.60
Positive
1037.41
Negative
Market Momentum
-0.98
Negative
54.49
Neutral
47.06
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3712, the sentiment is Positive. The current price of 6350 is above the 20-day moving average (MA) of 955.55, above the 50-day MA of 993.67, and above the 200-day MA of 1037.41, indicating a neutral trend. The MACD of -0.98 indicates Negative momentum. The RSI at 54.49 is Neutral, neither overbought nor oversold. The STOCH value of 47.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:3712.
Information Planning Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | ¥20.77B | 20.06 | ― | 3.31% | -2.50% | -17.10% | |
76 Outperform | ¥19.63B | 12.22 | ― | 2.41% | 13.26% | 13.68% | |
71 Outperform | ¥18.54B | 10.03 | ― | 3.32% | 12.33% | 13.11% | |
69 Neutral | ¥17.12B | 7.49 | ― | 0.88% | 7.11% | 146.94% | |
63 Neutral | ¥14.67B | 20.09 | ― | ― | 14.06% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:3712
Information Planning Co., Ltd.
996.00
-137.65
-12.14%
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Information Planning Co., Ltd. Corporate Events
Information Planning Posts Double-Digit Profit Growth and Strengthens Balance Sheet
Aug 6, 2026
Information Planning Co., Ltd. reported strong results for the third quarter of its fiscal year ending September 2026, with consolidated net sales rising 17.1% year on year to ¥3,147 million and operating profit increasing 17.5% to ¥1,22...
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.