Riskmonster.Com (3768) AI Stock Analysis

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Riskmonster.Com

(TSE/TYO:3768)

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Rating:75Outperform

Price Target:JPY 628.00▲(12.75% Upside)

Action:reiterated

Date:08/18/26

The overall score of 75 is primarily driven by the company's robust financial stability, exceptional cash generation, and an attractive dividend yield. However, the score is moderately offset by neutral short-term technical momentum and lingering structural pressure on profit margins, resulting in a solid but cautiously optimistic outlook.

Positive Factors

Conservative balance sheetLow leverage and a large, stable equity base reduce balance-sheet stress and preserve flexibility. This provides resilience through weaker operating periods and supports continued investment without relying heavily on external financing.

Negative Factors

Volatile profitabilityThe swing from loss to profit shows that earnings power is not yet stable. Such volatility makes planning less predictable, can weaken confidence in recurring returns, and raises execution risk even when the latest year is positive.

Riskmonster.Com (3768) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 4.19B
Dividend Yield: 2.87%
Average Volume (3M): 3,568
Price to Earnings (P/E): 25.9
Beta (1Y): 0.14
Revenue Growth: 1.54%
EPS Growth: -87.33%
Country: Japan
Employees: 185
Sector: Industrials
Sector Strength: 63
Industry: Consulting Services

Riskmonster.Com Business Overview & Revenue Model

Company Description

Headquartered in Tokyo, Japan, and established in 2000, Riskmonster.com and its subsidiaries deliver a broad array of credit management and cloud-based application services across Japan. Their core offerings include corporate credit ratings, which le...

Riskmonster.Com Financial Statement Overview

Summary

Financial performance is highly resilient, highlighted by exceptional cash flow generation and a fortress balance sheet with negligible debt. While profitability has rebounded, margins have not yet reached their historical peaks.

Income Statement

68Positive

Balance Sheet

88Very Positive

Cash Flow

94Very Positive

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	3.82B	3.82B	3.73B	3.67B	3.74B	3.75B
Gross Profit	1.77B	1.77B	1.70B	1.75B	1.97B	2.01B
EBITDA	1.11B	1.11B	777.29M	963.10M	1.07B	1.12B
Net Income	223.31M	223.31M	-49.60M	160.94M	360.38M	459.08M
Balance Sheet
Total Assets	6.98B	6.98B	7.14B	6.79B	6.68B	6.94B
Cash, Cash Equivalents and Short-Term Investments	1.75B	1.75B	1.23B	1.72B	2.00B	2.15B
Total Debt	246.56M	246.56M	365.24M	56.20M	115.59M	158.50M
Total Liabilities	962.11M	962.11M	1.16B	763.69M	831.57M	1.05B
Stockholders Equity	5.92B	5.92B	5.89B	5.95B	5.79B	5.84B
Cash Flow
Free Cash Flow	0	1.70B	196.76M	795.26M	889.24M	640.83M
Operating Cash Flow	0	1.74B	226.01M	812.43M	916.94M	651.47M
Investing Cash Flow	0	-894.41M	-1.02B	-713.81M	-790.03M	-793.44M
Financing Cash Flow	0	-321.74M	199.67M	-278.13M	-272.90M	-248.79M

Riskmonster.Com Technical Analysis

Technical Analysis SentimentNeutral

Last Price557.00

Price Trends

50DMA558.96Negative

100DMA559.74Negative

200DMA560.67Negative

Market Momentum

MACD-1.93Positive

RSI49.86Neutral

STOCH57.36Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3768, the sentiment is Neutral. The current price of 557.00 is below the 20-day moving average (MA) of 557.75, below the 50-day MA of 558.96, and below the 200-day MA of 560.67, indicating a bearish trend. The MACD of -1.93 indicates Positive momentum. The RSI at 49.86 is Neutral, neither overbought nor oversold. The STOCH value of 57.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:3768.

Riskmonster.Com Peers Comparison

Overall Rating

UnderperformOutperform

Sector (63)

Financial Indicators

JP:3768 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:7033	75Outperform	JPY 27.65B	12.17	―	1.94%	―	―
JP:3768	75Outperform	JPY 4.23B	25.89	―	2.87%	1.54%	-87.33%
JP:9644	68Neutral	JPY 22.44B	20.04	―	4.21%	8.61%	1.36%
JP:6027	65Neutral	JPY 97.53B	59.48	―	―	21.57%	26.95%
Sector *	63Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
JP:6035	63Neutral	JPY 13.09B	12.86	―	2.17%	8.89%	29.56%
JP:4422	57Neutral	JPY 3.37B	26.00	―	―	28.99%	―

* Industrials Sector Average

Performance Comparison

JP:3768 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:3768	Riskmonster.Com	557.00	58.63	11.76%
JP:4422	VALUENEX Japan Inc.	389.00	225.67	138.16%
JP:6027	Bengo4.com, Inc.	4265.00	1416.00	49.70%
JP:6035	IR Japan Holdings Ltd.	737.00	-52.41	-6.64%
JP:7033	Management Solutions Co., Ltd.	1647.00	301.93	22.45%
JP:9644	TANABE CONSULTING GROUP CO. LTD	665.00	-7.86	-1.17%

Riskmonster.Com Corporate Events

Riskmonster.com Quarterly Profit Slumps but Full-Year Outlook Signals Recovery

Aug 12, 2026

Riskmonster.com reported consolidated net sales of ¥922 million for the three months ended June 30, 2026, a modest 0.6% year-on-year increase that underscores stable top-line performance in its risk management services business. However, operating pr...

RiskMonster.com Releases FY2026 Consolidated Results and Outlook

May 20, 2026

RiskMonster.com has released a briefing of its consolidated financial results for the fiscal year ended March 31, 2026, outlining quarterly performance, business segment results and trends in its cloud services for corporate members. The report also...

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: Aug 18, 2026

Riskmonster.Com AI Stock Analysis