Paycloud Holdings Inc. AI Stock Analysis
Want to see JP:4015 full AI Analyst Report?
Paycloud Holdings Inc. (4015) AI Stock Analysis
Paycloud Holdings Inc.
(TSE/TYO:4015)
The score is held back mainly by weak technicals (price below all major moving averages and negative momentum) and mixed financial quality due to margin compression and a sharp deterioration in 2026 cash flow. These are partially offset by improved balance sheet leverage and a moderate valuation (P/E ~13.17) following the return to profitability.
Paycloud Holdings Inc. (4015) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 5.40B
- Dividend Yield
- ―
- Average Volume (3M)
- 40.62K
- Price to Earnings (P/E)
- 13.2
- Beta (1Y)
- 1.05
- Revenue Growth
- 8.88%
- EPS Growth
- 191.06%
- Country
- Japan
- Employees
- 301
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Specialty Business Services
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 se...
Paycloud Holdings Inc. Financial Statement Overview
Summary
Strong multi-year revenue scaling and a clear turnaround to consistent profitability, alongside improved leverage and equity growth. However, profitability remains thin (net margin ~3.8% in 2026), gross margin has compressed materially, and cash flow quality is a key concern given the sharp 2026 drop in operating/free cash flow.
Income Statement
64PositiveBalance Sheet
70PositiveCash Flow
45Neutral| Breakdown | TTM | Aug 2026 | Aug 2025 | Aug 2024 | Aug 2023 | Aug 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 11.14B | 11.14B | 10.23B | 6.85B | 4.48B | 1.17B |
| Gross Profit | 4.06B | 4.06B | 3.75B | 3.01B | 2.30B | 747.52M |
| EBITDA | 1.31B | 1.31B | 1.19B | 696.26M | 497.63M | -123.23M |
| Net Income | 418.90M | 418.90M | 143.75M | 74.15M | 114.13M | -1.83B |
Balance Sheet | ||||||
| Total Assets | 9.33B | 9.33B | 9.54B | 8.26B | 4.40B | 4.04B |
| Cash, Cash Equivalents and Short-Term Investments | 3.83B | 3.83B | 4.37B | 3.23B | 1.49B | 1.09B |
| Total Debt | 1.71B | 1.71B | 1.77B | 1.84B | 1.26B | 1.93B |
| Total Liabilities | 4.59B | 4.59B | 5.01B | 4.05B | 2.24B | 2.61B |
| Stockholders Equity | 4.74B | 4.74B | 4.53B | 4.22B | 2.16B | 1.43B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 195.31M | 1.39B | 1.16B | 542.00M | -226.96M |
| Operating Cash Flow | 0 | 227.87M | 1.41B | 1.16B | 561.86M | -218.22M |
| Investing Cash Flow | 0 | -452.02M | -272.80M | -19.77M | -87.64M | -194.09M |
| Financing Cash Flow | 0 | -312.68M | 10.99M | 121.07M | -80.73M | -96.72M |
Paycloud Holdings Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4015, the sentiment is Negative. The current price of 354.00 is below the 20-day moving average (MA) of 475.15, below the 50-day MA of 502.12, and below the 200-day MA of 493.19, indicating a bearish trend. The MACD of -47.21 indicates Positive momentum. The RSI at 28.97 is Positive, neither overbought nor oversold. The STOCH value of 19.89 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:4015.
Paycloud Holdings Inc. Peers Comparison
Overall Rating
JP:962981Outperform
JP:447773Outperform
JP:383566.5Neutral
JP:558865Neutral
JP:502759Neutral- JP:401553Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:9629 | 81Outperform | JPY 29.75B | 15.21 | ― | 6.04% | 8.61% | 30.21% |
| JP:4477 | 73Outperform | JPY 36.32B | 15.49 | ― | 1.61% | 36.14% | 304.76% |
| JP:3835 | 67Neutral | JPY 15.52B | 15.55 | ― | 4.38% | 1.86% | -12.57% |
| JP:5588 | 65Neutral | JPY 6.72B | 27.78 | ― | 0.62% | 25.25% | -49.30% |
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| JP:5027 | 59Neutral | JPY 45.30B | 34.83 | ― | 0.27% | 28.94% | -29.21% |
| JP:4015 | 53Neutral | JPY 5.79B | 13.17 | ― | ― | 8.88% | 191.06% |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:4015 | Paycloud Holdings Inc. | 354.00 | -153.00 | -30.18% | |
| JP:3835 | eBASE Co., Ltd. | 341.00 | -103.95 | -23.36% | |
| JP:4477 | BASE, Inc. | 310.00 | -32.79 | -9.57% | |
| JP:5027 | AnyMind Group Inc. | 730.00 | -20.61 | -2.75% | |
| JP:5588 | Fast Accounting Co.,Ltd. | 600.00 | -673.23 | -52.88% | |
| JP:9629 | PCA Corporation | 1570.00 | -146.91 | -8.56% |
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 11, 2026