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

• Market Cap: ¥4.60B
• Dividend Yield: 2.26%
• Average Volume (3M): 21.01K
• Price to Earnings (P/E): 17.4
• Beta (1Y): 0.23
• Revenue Growth: 14.08%
• EPS Growth: 31.61%
• Country: JP
• Employees: 360
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): -10.32
• Shares Outstanding: 5,747,616
• 10 Day Avg. Volume: 6,930
• 30 Day Avg. Volume: 21,010
• PEG Ratio: -0.94
• Price to Book (P/B): 1.31
• Price to Sales (P/S): 0.53
• P/FCF Ratio: -10.02
• 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: Hold
• Number of Analyst Covering: 0

• Rating: 60 Neutral
• Price Target: ¥831.00 ▲(4.40% Upside)

The overall stock score of 60 reflects stable revenue growth and a strong balance sheet, but is tempered by challenges in profitability and cash flow management. The bearish technical indicators suggest caution, while the reasonable valuation offers some appeal. The absence of earnings call and corporate events data limits further insights.

Capital Asset Planning, Inc. Business Overview & Revenue Model

Company Description

Capital Asset Planning, Inc. (3965) is a financial services firm specializing in asset management and investment planning for a diverse range of clients, including individuals, corporations, and institutional investors. The company operates in the financial sector, focusing on providing strategic financial advice, portfolio management, and customized investment solutions to help clients optimize their asset allocations and achieve their financial goals.

How the Company Makes Money

Capital Asset Planning, Inc. generates revenue primarily through management fees charged on assets under management (AUM) from its investment portfolios. The company may also earn performance-based fees tied to the success of its investment strategies. Additional revenue streams could include advisory fees for financial planning services, commissions from financial product sales, and partnerships with other financial institutions that enhance its service offerings. Significant partnerships with banks, insurance companies, or investment platforms may further contribute to its earnings by expanding its client base and service capabilities.

Capital Asset Planning, Inc. Financial Statement Overview

Summary

The company shows stable revenue growth but faces challenges in profitability and cash flow management. The balance sheet is strong with a healthy equity ratio and manageable debt levels. However, declining margins and negative cash flow ratios indicate potential operational inefficiencies.

Income Statement

The company shows a moderate revenue growth rate of 1.64% from 2023 to 2024, indicating stability in revenue generation. However, the net profit margin has decreased from 2.75% in 2023 to 1.92% in 2024, reflecting a decline in profitability. Gross profit margin remains stable at around 21%, while EBIT margin slightly decreased from 4.03% to 3.64%. The EBITDA margin also saw a decline from 9.46% to 7.50%, suggesting increased operational challenges.

Balance Sheet

The company's debt-to-equity ratio is stable at approximately 0.44, indicating a balanced leverage position. The return on equity (ROE) decreased from 7.04% in 2023 to 4.76% in 2024, showing reduced profitability relative to equity. The equity ratio remains healthy at around 58%, reflecting strong equity financing and a solid financial structure.

Cash Flow

The company experienced a significant decline in free cash flow from 2023 to 2024, dropping from 879.68 million to -429.51 million, indicating cash flow challenges. The operating cash flow to net income ratio turned negative, highlighting inefficiencies in converting income to cash. The free cash flow to net income ratio also turned negative, suggesting difficulties in maintaining positive cash flow from operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	9.26B	8.18B	8.05B	6.75B	6.63B	6.88B
Gross Profit	1.95B	1.73B	1.66B	983.87M	1.27B	1.31B
EBITDA	695.42M	613.21M	761.85M	53.22M	387.13M	350.88M
Net Income	263.81M	156.75M	221.62M	-248.38M	69.57M	89.28M
Balance Sheet
Total Assets	6.19B	5.66B	5.55B	5.10B	5.87B	5.68B
Cash, Cash Equivalents and Short-Term Investments	2.13B	1.41B	1.89B	1.21B	1.89B	1.42B
Total Debt	1.24B	1.44B	1.34B	1.38B	1.65B	1.56B
Total Liabilities	2.67B	2.36B	2.40B	2.16B	2.63B	2.47B
Stockholders Equity	3.53B	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: Negative
• Last Price: 796.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3965, the sentiment is Negative. The current price of 796 is below the 20-day moving average (MA) of 802.75, below the 50-day MA of 837.22, and above the 200-day MA of 771.94, indicating a neutral trend. The MACD of -11.86 indicates Negative momentum. The RSI at 41.97 is Neutral, neither overbought nor oversold. The STOCH value of 7.94 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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
3816	―	¥4.49B	10.70	8.20%	1.65%	-2.63%	22.03%
4829	―	¥4.28B	176.67	―	2.78%	-4.90%	-85.89%
Sector *	―	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
3965	―	¥4.60B	17.40	―	2.26%	14.08%	31.61%
4167	―	¥2.55B	45.63	―	―	-3.92%	3.93%
3967	―	¥4.12B	17.07	―	―	15.39%	-562.65%