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Paycloud Holdings Inc.
(4015)
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Rating:57Neutral
Price Target:
¥538.00
▲(8.47% Upside)
Action:Reiterated
Date:10/16/26
The score is primarily held back by weak and volatile cash flow (including a sharp 2026 deterioration) and margin compression despite the profitability turnaround and improved leverage. Technical signals are mixed/neutral, and valuation appears mid-range based on the provided P/E.
Positive Factors
Revenue Scaling and Profitability Turnaround
The substantial multi-year revenue increase shows that Paycloud has expanded its business meaningfully, while the return to sustained profitability demonstrates improved operating execution. This combination provides a stronger foundation for future growth than the loss-making position seen in 2022.
Negative Factors
Sharp Cash Flow Deterioration
The sharp 2026 reduction in operating and free cash flow weakens confidence in the durability of reported earnings and limits internally funded investment capacity. If cash conversion remains inconsistent, working-capital swings could continue to create financing needs despite accounting profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Scaling and Profitability Turnaround
The substantial multi-year revenue increase shows that Paycloud has expanded its business meaningfully, while the return to sustained profitability demonstrates improved operating execution. This combination provides a stronger foundation for future growth than the loss-making position seen in 2022.
Read all positive factors
Paycloud Holdings Inc. (4015) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥8.19B
Dividend YieldN/A
Average Volume (3M)22.41K
Price to Earnings (P/E)19.9
Beta (1Y)0.58
Revenue Growth8.88%
EPS Growth191.06%
CountryJP
Employees301
SectorTechnology
Sector Strength88
IndustrySpecialty Business Services
Share Statistics
EPS (TTM)8.39
Shares Outstanding16,029,148
10 Day Avg. Volume27,500
30 Day Avg. Volume22,410
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)1.76
Price to Sales (P/S)0.75
P/FCF Ratio42.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Paycloud Holdings Inc. Business Overview & Revenue Model
Company Description
Paycloud Holdings Inc. provides technology solutions in Japan and internationally. It operates through the Cashless Service Business, Digital Signage Related Business, Solution Business, and Other Businesses segments. The company provides end-user...
Paycloud Holdings Inc. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
70
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Aug 2026 | Aug 2025 | Aug 2024 | Aug 2023 | Aug 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.65B | 11.14B | 10.23B | 6.85B | 4.48B | 1.17B |
| Gross Profit | 3.94B | 4.06B | 3.75B | 3.01B | 2.30B | 747.52M |
| EBITDA | 1.24B | 1.31B | 1.19B | 696.26M | 497.63M | -123.23M |
| Net Income | 133.82M | 418.90M | 143.75M | 74.15M | 114.13M | -1.83B |
Balance Sheet | ||||||
| Total Assets | 10.03B | 9.33B | 9.54B | 8.26B | 4.40B | 4.04B |
| Cash, Cash Equivalents and Short-Term Investments | 4.51B | 3.83B | 4.37B | 3.23B | 1.49B | 1.09B |
| Total Debt | 1.72B | 1.71B | 1.77B | 1.84B | 1.26B | 1.93B |
| Total Liabilities | 5.24B | 4.59B | 5.01B | 4.05B | 2.24B | 2.61B |
| Stockholders Equity | 4.79B | 4.74B | 4.53B | 4.22B | 2.16B | 1.43B |
Cash Flow | ||||||
| Free Cash Flow | 1.39B | 195.31M | 1.39B | 1.16B | 542.00M | -226.96M |
| Operating Cash Flow | 1.41B | 227.87M | 1.41B | 1.16B | 561.86M | -218.22M |
| Investing Cash Flow | -272.80M | -452.02M | -272.80M | -19.77M | -87.64M | -194.09M |
| Financing Cash Flow | 10.99M | -312.68M | 10.99M | 121.07M | -80.73M | -96.72M |
Paycloud Holdings Inc. Technical Analysis
Positive
496.00
Price Trends
530.90
Positive
519.66
Positive
497.68
Positive
Market Momentum
1.70
Negative
55.39
Neutral
34.85
Neutral
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 496 is below the 20-day moving average (MA) of 526.65, below the 50-day MA of 530.90, and below the 200-day MA of 497.68, indicating a bullish trend. The MACD of 1.70 indicates Negative momentum. The RSI at 55.39 is Neutral, neither overbought nor oversold. The STOCH value of 34.85 is Neutral, 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | ¥20.40B | 19.80 | ― | 3.36% | -2.50% | -17.10% | |
79 Outperform | ¥28.78B | 13.95 | ― | 6.17% | 8.18% | 35.49% | |
74 Outperform | ¥43.64B | 19.19 | ― | 1.29% | 34.68% | 552.65% | |
64 Neutral | ¥7.57B | 31.72 | ― | 0.55% | 25.25% | -49.30% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
59 Neutral | ¥47.15B | 37.55 | ― | 0.25% | 28.94% | -29.21% | |
57 Neutral | ¥8.19B | 19.89 | ― | ― | 8.88% | 191.06% |
* Technology Sector Average
JP:4015
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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.