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

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Capital Asset Planning, Inc.

(TSE/TYO:3965)

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Rating:85Outperform

Price Target:JPY 1,025.00▲(17.55% Upside)

Action:reiterated

Date:11/14/26

Capital Asset Planning earns a strong overall score, primarily driven by its highly attractive valuation and robust financial turnaround. The exceptionally low P/E ratio and solid dividend yield provide a great value proposition. Fundamentals are bolstered by aggressive debt reduction and a recent surge in free cash flow, though slightly lower-than-average margins remain a minor consideration. The technical setup is also supportive, with the stock trading comfortably above all major moving averages.

Positive Factors

Improved ProfitabilityThe move from losses in 2022 to positive net and operating margins indicates meaningful profitability improvement. If margins remain durable, the company can retain more revenue as earnings, strengthen internal funding capacity, and support investment without relying as heavily on external capital.

Negative Factors

Latest Revenue DeclineThe latest revenue contraction shows that recent growth has not yet become consistent across cycles. A weaker top line can limit operating leverage, reduce investment capacity, and make the improved margins harder to sustain if the company cannot restore dependable demand over the next several quarters.

Capital Asset Planning, Inc. (3965) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 5.02B
Dividend Yield: 3.27%
Average Volume (3M): 8,571
Price to Earnings (P/E): 7.5
Beta (1Y): 0.21
Revenue Growth: 9.84%
EPS Growth: 49.53%
Country: Japan
Employees: 387
Sector: Technology
Sector Strength: 61
Industry: Software - Application

Capital Asset Planning, Inc. Business Overview & Revenue Model

Company Description

Capital Asset Planning, Inc., established in Osaka, Japan, in 1990, delivers system integration services both domestically and internationally. The company develops specialized application systems tailored for life insurance providers, encompassing p...

Capital Asset Planning, Inc. Financial Statement Overview

Summary

Demonstrates strong top-line expansion and margin improvement, alongside aggressive debt reduction driving a healthy 0.23x debt-to-equity ratio. While absolute margins are slightly low for the software industry, a recent surge in free cash flow generation marks a successful operational turnaround.

Income Statement

78Positive

Balance Sheet

88Very Positive

Cash Flow

85Very Positive

Financial statement breakdown
Breakdown	TTM	Sep 2026	Sep 2025	Sep 2024	Sep 2023	Sep 2022
Income Statement
Total Revenue	10.66B	10.64B	9.69B	8.18B	8.05B	6.75B
Gross Profit	2.64B	2.64B	2.12B	1.73B	1.66B	983.87M
EBITDA	1.23B	1.14B	846.59M	613.21M	761.85M	53.22M
Net Income	664.22M	602.07M	401.82M	156.75M	221.62M	-248.38M
Balance Sheet
Total Assets	7.03B	6.91B	6.63B	5.77B	5.61B	5.15B
Cash, Cash Equivalents and Short-Term Investments	3.42B	2.44B	1.77B	1.44B	1.89B	1.21B
Total Debt	1.35B	909.84M	1.41B	1.44B	1.34B	1.38B
Total Liabilities	2.97B	2.84B	2.70B	2.48B	2.47B	2.21B
Stockholders Equity	3.93B	3.94B	3.79B	3.30B	3.15B	2.94B
Cash Flow
Free Cash Flow	1.19B	2.17B	383.71M	-429.50M	879.67M	-460.04M
Operating Cash Flow	1.29B	2.27B	434.51M	-283.41M	1.22B	-182.17M
Investing Cash Flow	-87.52M	-269.00M	16.48M	-178.02M	-433.68M	-164.65M
Financing Cash Flow	-199.53M	-124.94M	-119.53M	11.15M	-104.54M	-335.00M

Capital Asset Planning, Inc. Technical Analysis

Technical Analysis SentimentPositive

Last Price872.00

Price Trends

50DMA863.72Positive

100DMA855.12Positive

200DMA836.33Positive

Market Momentum

MACD2.68Negative

RSI54.64Neutral

STOCH45.55Neutral

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 872.00 is above the 20-day moving average (MA) of 856.05, above the 50-day MA of 863.72, and above the 200-day MA of 836.33, indicating a bullish trend. The MACD of 2.68 indicates Negative momentum. The RSI at 54.64 is Neutral, neither overbought nor oversold. The STOCH value of 45.55 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

Overall Rating

UnderperformOutperform

Sector (61)

Financial Indicators

JP:3965 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:3965	85Outperform	JPY 5.29B	7.51	―	3.27%	9.84%	49.53%
JP:4389	79Outperform	JPY 10.83B	15.12	―	3.07%	18.75%	32.52%
JP:7320	64Neutral	JPY 16.73B	9.15	―	1.37%	15.36%	―
Sector *	61Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
JP:4375	57Neutral	JPY 34.41B	74.78	―	―	22.56%	―
JP:5035	51Neutral	JPY 1.83B	-3.58	―	1.16%	-6.00%	-480.80%
JP:4446	48Neutral	JPY 9.44B	-16.60	―	―	-0.72%	-474.84%

* Technology Sector Average

Performance Comparison

JP:3965 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:3965	Capital Asset Planning, Inc.	872.00	101.53	13.18%
JP:4375	Safie Inc.	626.00	-229.00	-26.78%
JP:4389	Property Data Bank, Inc.	1043.00	242.20	30.24%
JP:4446	Link-U Group Inc.	650.00	-394.00	-37.74%
JP:5035	HOUSEI Inc.	257.00	-160.79	-38.49%
JP:7320	Japan Living Warranty, Inc.	1465.00	-90.32	-5.81%

Capital Asset Planning, Inc. Corporate Events

Capital Asset Planning Reports Fiscal 2026 Sales and Profit Growth

Nov 13, 2026

Capital Asset Planning, Inc., a Tokyo Stock Exchange-listed company, reported consolidated net sales of ¥10,643 million for the fiscal year ended September 30, 2026, up 9.8% year on year. Operating profit increased 70.8% to ¥906 million, ordinary pro...

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 14, 2026

Capital Asset Planning, Inc. AI Stock Analysis