Capital Asset Planning, Inc. (3965) AI Stock Analysis

• Market Cap: ¥4.38B
• Dividend Yield: 2.1%
• Average Volume (3M): 13.30K
• Price to Earnings (P/E): 18.4
• Beta (1Y): 0.31
• Revenue Growth: 3.29%
• EPS Growth: -17.15%
• Country: JP
• Employees: 360
• Sector: Technology
• Sector Strength: 84
• Industry: Software - Application
• EPS (TTM): 46.17
• Shares Outstanding: 5,747,616
• 10 Day Avg. Volume: 3,950
• 30 Day Avg. Volume: 13,303
• PEG Ratio: 0.37
• Price to Book (P/B): 1.18
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 70 Outperform
• Price Target: ¥834.00 ▲(9.31%Upside)

Capital Asset Planning, Inc. scores a 70, driven primarily by its strong financial performance, particularly a robust balance sheet, and moderate valuation metrics. Technical analysis indicates a stable outlook, though recent cash flow challenges highlight a need for improved cash management. The lack of earnings call data and corporate events had no impact on the overall score.

Capital Asset Planning, Inc. Business Overview & Revenue Model

Company Description

Capital Asset Planning, Inc. provides system integration services in Japan and internationally. The company offers application systems for life insurance companies, including insurance design/application issuance, insurance information provision site for customer relationship management, and system construction for Web and PC, as well as life planning, public pension estimation, and retirement simulation system construction services. It also provides systems for banks and securities companies, such as investment trust/life insurance and individual annuity insurance counter sales support, counter sales portfolio design, individual stock selection, information provision system for defined contribution pension policyholders, and future fund management forecast. In addition, the company offers Wealth Management Workstation (WMW), an integrated asset management system in the cloud computing environment; and estate planning services for asset practitioners using WMW. In addition, the company offers financial planning education, other portfolio and life insurance theories, real estate business, and private banking education consisting of tax law services; and develops and distributes education content. Capital Asset Planning, Inc. was founded in 1990 and is headquartered in Osaka, Japan.

How the Company Makes Money

Capital Asset Planning, Inc. generates revenue primarily through management and advisory fees charged to clients for their asset management and financial planning services. The company earns a percentage of the assets under management (AUM) as a fee, which is typically calculated annually based on the total value of the client's portfolio. Additionally, the company may charge consultation fees for personalized financial advice and planning services. Strategic partnerships with financial institutions and investment firms may also contribute to revenue through referral fees or co-branded services, enhancing the company's service offerings and market reach.

Capital Asset Planning, Inc. Financial Statement Overview

Summary

The company demonstrates consistent revenue growth and stable margins, with a strong balance sheet characterized by low leverage. However, cash flow management shows volatility, with recent negative operating cash flow, indicating a need for improvement in cash generation.

Income Statement

The company has shown consistent revenue growth, with a TTM (Trailing-Twelve-Months) revenue of 8.29 billion, up from 8.17 billion in the previous annual report. Gross profit margin remains steady at around 20%, and net profit margin has improved to 1.9% in TTM. However, EBIT and EBITDA margins have slightly decreased, indicating a need for cost management to sustain profitability.

Balance Sheet

The balance sheet is strong with a low debt-to-equity ratio of 0.39, reflecting solid financial stability. The equity ratio is healthy at 59.2%, indicating a stable asset base. The company's leverage is well-managed, with a negative net debt position, enhancing financial flexibility.

Cash Flow

Cash flow analysis shows some volatility, as operating cash flow was negative in the latest annual report, contrasting with a positive cash flow in previous years. The free cash flow growth rate is not calculable due to negative values, which could indicate challenges in cash generation. Monitoring cash flow management is crucial for future stability.

Breakdown
TTM	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement		Total Revenue
8.29B	8.18B	8.05B	6.75B	6.63B	6.88B
	Gross Profit
1.72B	1.73B	1.66B	983.87M	1.27B	1.31B
	EBIT
300.25M	297.35M	324.67M	-246.51M	120.50M	169.22M
	EBITDA
614.01M	613.21M	761.85M	53.22M	387.13M	350.88M
	Net Income Common Stockholders
159.03M	156.75M	221.62M	-248.38M	69.57M	89.28M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.66B	1.41B	1.89B	1.21B	1.89B	1.42B
	Total Assets
5.74B	5.66B	5.55B	5.10B	5.87B	5.68B
	Total Debt
1.34B	1.44B	1.34B	1.38B	1.65B	1.56B
	Net Debt
-326.00M	28.90M	-551.22M	168.72M	-238.15M	140.72M
	Total Liabilities
2.35B	2.36B	2.40B	2.16B	2.63B	2.47B
	Stockholders Equity
3.40B	3.30B	3.15B	2.94B	3.24B	3.21B
Cash Flow		Free Cash Flow
0.00	-429.50M	879.67M	-460.04M	486.59M	-777.28M
	Operating Cash Flow
0.00	-283.41M	1.22B	-182.17M	996.62M	-458.28M
	Investing Cash Flow
0.00	-178.02M	-433.68M	-164.65M	-525.36M	-362.46M
	Financing Cash Flow
0.00	11.15M	-104.54M	-335.00M	4.71M	-21.45M

Capital Asset Planning, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 763.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3965, the sentiment is Positive. The current price of 763 is above the 20-day moving average (MA) of 757.25, above the 50-day MA of 758.35, and above the 200-day MA of 746.18, indicating a bullish trend. The MACD of -0.90 indicates Negative momentum. The RSI at 56.05 is Neutral, neither overbought nor oversold. The STOCH value of 67.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:3965.

Capital Asset Planning, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
3965	70 Outperform	¥4.38B	18.39		2.10%	3.29%	-17.15%
Sector *	62 Neutral	$11.70B	10.39	-7.10%	2.92%	7.45%	-8.42%
M2V		€28.28M	11.80	7.29%	1.59%	―	―
3826		¥4.18B	7.09		2.64%	―	―
4167	74 Outperform	¥4.16B	31.53		―	10.24%	280.34%
4829	65 Neutral	¥4.43B	89.86		2.61%	-0.26%	-75.64%
3967	57 Neutral	¥4.44B	17.07		―	11.96%	-434.38%