Want to see JP:4419 full AI Analyst Report?
Top Page
Finatext Holdings Ltd.
(4419)
Select Model
Select Model
Rating:66Neutral
Price Target:
¥1,637.00
▲(65.52% Upside)
Action:Reiterated
Date:07/04/26
The score is driven primarily by improved profitability and strong revenue momentum, tempered by the most important risk: ongoing negative operating/free cash flow. Technicals are clearly bullish and support the stock near-term, but the high P/E multiple makes valuation less forgiving.
Positive Factors
Revenue Growth Momentum
Sustained high revenue growth (mid‑30s to ~40% range) indicates strong product-market fit and expanding customer adoption. That momentum supports scale economies, helps absorb fixed costs, and creates durable runway for reinvestment into product, sales, and platform capabilities.
Negative Factors
Persistent Negative Cash Flow
Operating and free cash flow remain negative despite reported accounting profits, meaning earnings are not converting to cash. This cash-generation gap increases dependence on external financing or equity raises, raises execution risk, and could limit the firm's ability to self-fund growth or weather downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Momentum
Sustained high revenue growth (mid‑30s to ~40% range) indicates strong product-market fit and expanding customer adoption. That momentum supports scale economies, helps absorb fixed costs, and creates durable runway for reinvestment into product, sales, and platform capabilities.
Read all positive factors
Finatext Holdings Ltd. (4419) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥78.68B
Dividend YieldN/A
Average Volume (3M)456.30K
Price to Earnings (P/E)46.5
Beta (1Y)0.97
Revenue Growth43.50%
EPS Growth125.85%
CountryJP
Employees294
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)29.39
Shares Outstanding51,898,340
10 Day Avg. Volume838,120
30 Day Avg. Volume456,300
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)4.52
Price to Sales (P/S)4.44
P/FCF Ratio-140.29
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)43.85
Revenue Forecast (FY)¥15.51B
Finatext Holdings Ltd. Business Overview & Revenue Model
Company Description
Established in 2013 and based in Tokyo, Japan, Finatext Holdings Ltd. operates across three key business areas: innovative financial technology solutions, comprehensive big data analysis, and foundational financial infrastructure. The firm deliver...
How the Company Makes Money
null...
Finatext Holdings Ltd. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
34
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 11.05B | 7.70B | 5.38B | 3.82B | 2.72B |
| Gross Profit | 7.65B | 5.13B | 3.23B | 2.10B | 1.67B |
| EBITDA | 2.07B | 1.06B | 129.41M | -316.11M | -703.40M |
| Net Income | 1.51B | 659.72M | -78.45M | -388.02M | -669.94M |
Balance Sheet | |||||
| Total Assets | 23.29B | 19.03B | 20.18B | 17.71B | 15.85B |
| Cash, Cash Equivalents and Short-Term Investments | 3.93B | 4.45B | 4.77B | 5.35B | 5.79B |
| Total Debt | 1.72B | 1.60B | 666.80M | 37.50M | 138.00M |
| Total Liabilities | 11.73B | 9.40B | 11.45B | 8.91B | 6.67B |
| Stockholders Equity | 10.85B | 9.10B | 8.22B | 8.29B | 8.59B |
Cash Flow | |||||
| Free Cash Flow | -349.42M | -973.43M | -987.82M | -272.57M | -1.53B |
| Operating Cash Flow | -267.44M | -945.21M | -938.06M | -179.51M | -1.53B |
| Investing Cash Flow | -431.82M | -489.84M | -343.67M | -233.63M | -279.40M |
| Financing Cash Flow | 159.35M | 1.04B | 684.02M | -32.08M | 3.27B |
Finatext Holdings Ltd. Technical Analysis
Positive
989.00
Price Trends
1244.32
Positive
1090.93
Positive
1081.71
Positive
Market Momentum
51.50
Negative
68.06
Neutral
71.50
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:4419, the sentiment is Positive. The current price of 989 is below the 20-day moving average (MA) of 1301.75, below the 50-day MA of 1244.32, and below the 200-day MA of 1081.71, indicating a bullish trend. The MACD of 51.50 indicates Negative momentum. The RSI at 68.06 is Neutral, neither overbought nor oversold. The STOCH value of 71.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:4419.
Finatext Holdings Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥737.19B | 30.04 | 20.54% | 1.47% | 11.96% | 18.70% | |
74 Outperform | ¥9.40B | 14.47 | ― | 0.47% | 17.60% | 71.29% | |
71 Outperform | ¥6.70B | 13.28 | ― | 1.18% | 12.84% | 24.85% | |
66 Neutral | ¥78.68B | 46.55 | ― | ― | 43.50% | 125.85% | |
59 Neutral | ¥8.16B | 23.19 | ― | ― | 7.92% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ¥11.04B | -24.17 | 6.02% | ― | 6.77% | -148.41% |
* General Sector Average
JP:4419
Finatext Holdings Ltd.
1,516.00
400.00
35.84%
JP:3769
GMO Payment Gateway
9,720.00
983.94
11.26%
JP:2315
CAICA Inc.
61.00
0.00
0.00%
JP:3623
Billing System Corporation
1,051.00
13.59
1.31%
JP:4374
ROBOT PAYMENT INC.
2,428.00
-128.49
-5.03%
JP:4488
AI inside, Inc.
2,095.00
-1,210.00
-36.61%
Finatext Holdings Ltd. Corporate Events
Finatext Lifts Revenue 43% and Sets Ambitious Growth Targets for FY2026
May 12, 2026
Finatext Holdings Ltd. reported FY2025 revenue of 11,052 million yen, up 43% year on year, with EBITDA of 2,270 million yen for a 21% margin and net income attributable to owners of the parent of 1,513 million yen, a 14% margin. The company also e...
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.