Information Planning Co., Ltd. (3712) AI Stock Analysis

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Information Planning Co., Ltd.

(TSE/TYO:3712)

Select Model

Rating:62Neutral

Price Target:JPY 1,002.00▲(8.68% Upside)

Action:downgraded

Date:11/11/26

The overall score of 62 reflects a company with a strong balance sheet and high profitability that is currently facing significant headwinds. The primary drags on the score are the weak technical momentum and the concerning decline in free cash flow and revenue growth. The low valuation and dividend yield provide some support, but the negative price trend and deteriorating cash generation are the most significant factors weighing on the outlook.

Positive Factors

Very Conservative Balance SheetMinimal leverage gives the company substantial financial resilience and reduces the burden of interest or refinancing costs. The steady expansion of equity and assets further supports its ability to fund operations, withstand weaker periods, and pursue business investment without relying heavily on external financing.

Negative Factors

Latest Revenue ContractionA contraction in the latest annual revenue period raises questions about the durability of demand and the company’s ability to sustain expansion. If weaker top-line performance persists, it could limit operating leverage, reduce investment capacity, and place greater importance on maintaining existing margins.

Information Planning Co., Ltd. (3712) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 14.07B
Dividend Yield: 2.82%
Average Volume (3M): 6,374
Price to Earnings (P/E): 11.4
Beta (1Y): 0.27
Revenue Growth: 11.29%
EPS Growth: 13.43%
Country: Japan
Employees: 154
Sector: General
Sector Strength: 55
Industry: Software - Application

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 statemen...

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 providi...

Information Planning Co., Ltd. Financial Statement Overview

Summary

The company demonstrates strong profitability with high margins and a pristine, debt-free balance sheet. However, a sharp deceleration in revenue growth and a significant, multi-year decline in free cash flow generation are major concerns that temper the overall financial health score.

Income Statement

72Positive

Balance Sheet

88Very Positive

Cash Flow

55Neutral

Financial statement breakdown
Breakdown	TTM	Sep 2026	Sep 2025	Sep 2024	Sep 2023	Sep 2022
Income Statement
Total Revenue	4.30B	4.28B	3.84B	3.61B	3.53B	3.23B
Gross Profit	2.71B	2.65B	2.51B	2.41B	2.33B	2.02B
EBITDA	1.92B	1.81B	1.66B	1.55B	1.49B	1.31B
Net Income	1.23B	1.22B	1.08B	1.01B	964.22M	862.12M
Balance Sheet
Total Assets	8.85B	9.25B	8.42B	7.52B	6.72B	7.14B
Cash, Cash Equivalents and Short-Term Investments	3.01B	3.16B	2.85B	2.72B	2.66B	3.26B
Total Debt	0	0	0	0	0	78.23M
Total Liabilities	1.38B	1.44B	1.46B	1.31B	1.23B	1.48B
Stockholders Equity	7.47B	7.81B	6.95B	6.21B	5.50B	5.66B
Cash Flow
Free Cash Flow	448.31M	377.91M	448.31M	340.56M	626.82M	1.15B
Operating Cash Flow	1.15B	1.29B	1.15B	1.21B	680.53M	1.18B
Investing Cash Flow	-684.34M	-611.27M	-684.34M	-839.94M	-92.81M	-73.02M
Financing Cash Flow	-332.91M	-363.45M	-332.91M	-302.43M	-1.21B	-301.83M

Information Planning Co., Ltd. Technical Analysis

Technical Analysis SentimentNegative

Last Price922.00

Price Trends

50DMA986.44Negative

100DMA971.49Negative

200DMA1021.78Negative

Market Momentum

MACD-9.69Positive

RSI41.64Neutral

STOCH19.15Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3712, the sentiment is Negative. The current price of 922.00 is below the 20-day moving average (MA) of 961.25, below the 50-day MA of 986.44, and below the 200-day MA of 1021.78, indicating a bearish trend. The MACD of -9.69 indicates Positive momentum. The RSI at 41.64 is Neutral, neither overbought nor oversold. The STOCH value of 19.15 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:3712.

Information Planning Co., Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:3712 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:3648	78Outperform	JPY 17.61B	10.19	―	3.52%	6.10%	-14.81%
JP:3853	75Outperform	JPY 14.52B	6.22	―	1.06%	7.11%	146.94%
JP:3835	67Neutral	JPY 15.71B	15.64	―	4.29%	1.86%	-12.57%
JP:4448	63Neutral	JPY 14.07B	18.87	―	―	14.06%	―
JP:3712	62Neutral	JPY 18.31B	11.41	―	2.82%	11.29%	13.43%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

JP:3712 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:3712	Information Planning Co., Ltd.	922.00	-168.65	-15.46%
JP:3648	AGS Corporation	1024.00	-297.61	-22.52%
JP:3835	eBASE Co., Ltd.	348.00	-87.49	-20.09%
JP:3853	Asteria Corporation	847.00	-383.91	-31.19%
JP:4448	Chatwork Co.Ltd.	323.00	-67.00	-17.18%

Information Planning Co., Ltd. Corporate Events

Information Planning Reports Higher Sales, Profits and Equity in Fiscal 2026

Nov 5, 2026

Information Planning Co., Ltd. is listed on the Tokyo Stock Exchange, but the release does not specify its industry, primary products, services, or market focus.For the fiscal year ended September 30, 2026, consolidated net sales increased 11.3% to ¥...

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: Nov 11, 2026

Information Planning Co., Ltd. AI Stock Analysis