Money Forward, Inc. (JP:3994)
:3994
Want to see JP:3994 full AI Analyst Report?
3994 Stock Chart & Stats
¥5000.00
-¥23.00(-0.47%)
At close: 4:00 PM EST
¥5000.00
-¥23.00(-0.47%)
Day’s Range― - ―
52-Week Range¥2,750.50 - ¥6,794.00
Previous CloseN/A
Volume430.10K
Average Volume (3M)292.29K
Market Cap
¥252.28B
Enterprise Value¥212.84B
Total Cash (Recent Filing)¥45.33B
Total Debt (Recent Filing)¥33.43B
Price to Earnings (P/E)50.8
Beta0.55
Next Earnings
Jul 13, 2026EPS Estimate
-7.16Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-108.38
Shares Outstanding55,701,813
10 Day Avg. Volume391,570
30 Day Avg. Volume292,293
Financial Highlights & Ratios
PEG Ratio-1.15
Price to Book (P/B)5.20
Price to Sales (P/S)4.53
P/FCF Ratio68.80
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥3,750.00Price Target Upside-25.00% Downside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)-1.25
Revenue Forecast (FY)¥58.28B
Bulls Say, Bears Say
Bulls Say
Recurring SaaS Subscription ModelA subscription-based cloud model creates durable, recurring revenue and predictable renewal streams. Revenue scales with user count, modules and tiers, supporting long-term margin expansion, customer lifetime value growth, and visibility into near-term cash flows across 2–6 months and beyond.
Financial-data Connectivity As An EnablerOwning a financial data aggregation layer increases product stickiness and cross-sell potential across personal and corporate offerings. This structural asset supports differentiated integrations, higher switching costs and scalable data-driven upsell opportunities over the medium term.
Profitability And FCF Inflection In 2025A shift to positive net income, EBITDA and free cash flow marks a structural improvement in unit economics and cash generation. If sustained, this reduces financing reliance, enables reinvestment or deleveraging, and materially improves the firm's resilience over the coming quarters.
Bears Say
Operating Profit Still NegativeEven with EBITDA and net income improvement, persistent negative operating profit indicates core operating margins haven't fully normalized. This constrains sustainable earnings quality and means future profitability depends on continued cost discipline and scale economies to convert top-line growth into stable operating profits.
Historic Cash Flow VolatilityPrior multi-year negative operating and free cash flow create uncertainty about consistency of cash conversion. Episodic cash weakness raises refinancing and investment risk if growth slows, meaning recent FCF gains must be proven across a full business cycle to be judged durable.
Meaningful Absolute Debt And Rising LevelsHigh absolute debt increases leverage sensitivity to operating setbacks and limits strategic flexibility. Even with improving ratios, rising nominal debt creates refinancing and interest risks that could pressure cash flows if margins or growth weaken over the medium term.
Money Forward News
3994 FAQ
What was Money Forward, Inc.’s price range in the past 12 months?
Money Forward, Inc. lowest stock price was ¥2750.50 and its highest was ¥6794.00 in the past 12 months.
What is Money Forward, Inc.’s market cap?
Money Forward, Inc.’s market cap is ¥252.28B.
When is Money Forward, Inc.’s upcoming earnings report date?
Money Forward, Inc.’s upcoming earnings report date is Jul 13, 2026 which is in 39 days.
How were Money Forward, Inc.’s earnings last quarter?
Money Forward, Inc. released its earnings results on Apr 14, 2026. The company reported ¥33.06 earnings per share for the quarter, beating the consensus estimate of ¥12.712 by ¥20.348.
Is Money Forward, Inc. overvalued?
According to Wall Street analysts Money Forward, Inc.’s price is currently Overvalued.
Does Money Forward, Inc. pay dividends?
Money Forward, Inc. does not currently pay dividends.
What is Money Forward, Inc.’s EPS estimate?
Money Forward, Inc.’s EPS estimate is -7.16.
How many shares outstanding does Money Forward, Inc. have?
Money Forward, Inc. has 55,701,813 shares outstanding.
What happened to Money Forward, Inc.’s price movement after its last earnings report?
Money Forward, Inc. reported an EPS of ¥33.06 in its last earnings report, beating expectations of ¥12.712. Following the earnings report the stock price went up 7.694%.
Which hedge fund is a major shareholder of Money Forward, Inc.?
Currently, no hedge funds are holding shares in JP:3994
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Money Forward, Inc.
Money Forward, Inc. provides money-related services for individuals and corporations. It offers Money Forward ME, an automatic household account book service; MONEY PLUS for enhancing readers' money literacy and foster awareness of money; Money Forward Mall, a web portal and platform for comparing and applying for financial services, such as credit cards and securities accounts; mirai talk, a channel to resolve customers financial concerns; and Tock pop, an application specialized in coupon information. The company also provides Money Forward Cloud Accounting, a cloud accounting software; Money Forward Cloud Final Report, a cloud-type final tax return software; Money Forward Cloud Invoice, an invoice creation software; Money Forward Cloud Salary, a salary calculation software; Money Forward Cloud Attendance, a time management service for companies; Money Forward Cloud My Number, a my number management system; Money Forward Cloud Expenses, a cloud-type expense reimbursement system; and Money Forward Cloud Fundraising, a service that provides money forward cloud data to financial institutions. In addition, it offers STREAMED, a software specialized in automating accounting bookkeeping; Manageboard, a cloud service that allows to conduct business analysis by importing accounting software data; MF KESSAI, an inter-company postpaid settlement service; BALES, an inside sales outsourcing and consulting service; BALES CLOUD, a cloud-based inside sales management system; BOXIL that provides various information on prices, specifications, and word-of-mouth reviews of various Software-as-a-Service; and Money Forward X, a group that works with various client issues to create services. The company was formerly known as Moneybook Co. and changed its name to Money Forward, Inc. in December 2012. Money Forward, Inc. was founded in 2012 and is headquartered in Tokyo, Japan.
3994 Stock 12 Month Forecast
Average Price Target
¥3,750.00
▼(-25.00% Downside)
Technical Analysis
Business Engineering Corporation
―
Infomart Corporation
―
TeamSpirit, Inc.
―
freee K.K.
―
PCA Corporation
―
Options Prices
Currently, No data available
---