Paycloud Holdings Inc. (4015) AI Stock Analysis

• Market Cap: ¥12.27B
• Dividend Yield: N/A
• Average Volume (3M): 104.33K
• Price to Earnings (P/E): 40.4
• Beta (1Y): 1.15
• Revenue Growth: 130.32%
• EPS Growth: 215.53%
• Country: JP
• Employees: 276
• Sector: Technology
• Sector Strength: 82
• Industry: Software - Application
• EPS (TTM): 19.11
• Shares Outstanding: 15,894,608
• 10 Day Avg. Volume: 101,910
• 30 Day Avg. Volume: 104,330
• PEG Ratio: 0.29
• Price to Book (P/B): 2.32
• 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: 62 Neutral
• Price Target: ―

Paycloud Holdings Inc. showcases strong financial fundamentals with significant revenue and cash flow growth. However, the stock's overvaluation and bearish technical indicators suggest caution. Improving net profitability and operational efficiency could enhance the stock outlook, but current market momentum and valuation metrics indicate moderate investment appeal.

Paycloud Holdings Inc. Business Overview & Revenue Model

Company Description

arara inc. provides various technology solutions in Japan. The company engages in the development and provision of CRM services featuring reward point, e-money, and other functions for promotion; P-Pointer' data security solutions; AR services; and QR code related services. It also provides and manages high-speed email delivery solutions. The company was incorporated in 2006 and is based in Tokyo, Japan.

How the Company Makes Money

Paycloud Holdings Inc. Financial Statement Overview

Summary

Paycloud Holdings Inc. demonstrates strong revenue growth and cash flow, indicating robust financial health. The company maintains operational efficiency and a solid equity position. However, the low net profit margin highlights high costs or non-operational expenses, which is a key area for improvement.

Income Statement

Paycloud Holdings Inc. exhibits strong revenue growth, with a substantial increase from JPY 4,476 million in 2023 to JPY 6,853 million in 2024, a growth rate of 53.1%. The company maintains healthy gross and EBIT margins, indicating strong operational efficiency. However, the net profit margin is relatively low at 1.08%, suggesting high costs or non-operational expenses impacting profitability.

Balance Sheet

The balance sheet reflects a robust equity position, with a debt-to-equity ratio of 0.44, indicating moderate leverage. The equity ratio stands at 51.03%, showcasing strong equity backing. Return on equity (ROE) is modest at 1.76%, suggesting potential inefficiencies in using shareholder capital to generate profit.

Cash Flow

Paycloud Holdings Inc. has shown exceptional growth in operating and free cash flows, with free cash flow growing over 129.7% from 2023 to 2024. The operating cash flow to net income ratio is healthy, indicating good cash generation from operations. Strong free cash flow supports strategic initiatives and debt servicing, highlighting excellent cash management.

Breakdown
TTM	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement		Total Revenue
8.16B	6.85B	4.48B	1.17B	1.46B	1.20B
	Gross Profit
3.40B	3.01B	2.30B	747.52M	1.03B	773.45M
	EBIT
438.61M	337.94M	163.60M	-160.62M	305.61M	136.89M
	EBITDA
755.48M	703.61M	493.38M	-1.74B	314.03M	170.97M
	Net Income Common Stockholders
140.99M	74.15M	114.13M	-1.83B	229.21M	143.96M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
3.10B	3.23B	1.49B	1.09B	560.69M	700.35M
	Total Assets
8.45B	8.26B	4.40B	3.86B	3.39B	1.05B
	Total Debt
1.96B	1.84B	1.26B	1.93B	1.80B	100.00M
	Net Debt
-1.14B	-1.39B	-235.15M	831.55M	1.24B	-600.35M
	Total Liabilities
4.10B	4.05B	2.24B	2.42B	2.08B	634.27M
	Stockholders Equity
4.35B	4.22B	2.16B	1.43B	1.31B	420.62M
Cash Flow		Free Cash Flow
0.00	989.93M	430.94M	-407.57M	-132.63M	368.31M
	Operating Cash Flow
0.00	1.16B	561.86M	-218.22M	46.59M	416.77M
	Investing Cash Flow
0.00	-19.77M	-87.64M	-194.09M	-2.51B	-42.81M
	Financing Cash Flow
0.00	121.07M	-80.73M	-96.72M	2.32B	74.25M

Paycloud Holdings Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 772.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4015, the sentiment is Positive. The current price of 772 is above the 20-day moving average (MA) of 718.95, above the 50-day MA of 659.82, and above the 200-day MA of 578.24, indicating a bullish trend. The MACD of 33.85 indicates Negative momentum. The RSI at 71.70 is Negative, neither overbought nor oversold. The STOCH value of 83.39 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:4015.

Paycloud Holdings Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
3804	80 Outperform	¥11.29B	19.33		1.36%	0.64%	-1.00%
5591	69 Neutral	¥10.76B	64.65		―	―	―
4011	67 Neutral	¥12.88B	79.32		―	25.52%	282.24%
4015	62 Neutral	¥12.27B	40.39		―	130.32%	215.53%
Sector *	61 Neutral	$11.54B	10.46	-6.94%	2.94%	7.57%	-9.03%
5248	61 Neutral	¥12.05B	45.30		―	94.97%	150.73%
3823	49 Neutral	¥12.07B	―		―	45.82%	-6.97%