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Finatext Holdings Ltd.
(4419)
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Rating:55Neutral
Price Target:
¥1,484.00
▲(50.05% Upside)
Action:Reiterated
Date:08/18/26
The score is driven primarily by mixed financial performance: strong growth and a recent profitability inflection are outweighed by consistently negative operating/free cash flow. Weak technical momentum (below key moving averages with negative MACD) further pressures the outlook, while a high P/E without a dividend leaves limited valuation support.
Positive Factors
Revenue Growth and Profitability
Rapid revenue expansion alongside a move into solid profitability indicates increasing scale and customer adoption. If sustained, this combination can strengthen operating leverage and provide a durable foundation for the fintech software model.
Negative Factors
Negative Cash Conversion
Persistent cash outflows despite reported profitability indicate that earnings are not yet converting into internally generated funding. Working-capital needs or investment requirements could constrain growth and require continued external financing.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth and Profitability
Rapid revenue expansion alongside a move into solid profitability indicates increasing scale and customer adoption. If sustained, this combination can strengthen operating leverage and provide a durable foundation for the fintech software model.
Read all positive factors
Finatext Holdings Ltd. (4419) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥75.16B
Dividend YieldN/A
Average Volume (3M)456.30K
Price to Earnings (P/E)43.8
Beta (1Y)0.61
Revenue Growth44.45%
EPS Growth85.85%
CountryJP
Employees414
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)29.39
Shares Outstanding51,908,340
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)44.53
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
Finatext Holdings makes money primarily by providing fintech-related technology services to business clients (e.g., financial institutions and financial-service operators). Revenue is generated through fees associated with delivering and operating...
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
1471.98
Negative
1322.66
Positive
1134.44
Positive
Market Momentum
-31.24
Positive
50.07
Neutral
76.50
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 1460.15, below the 50-day MA of 1471.98, and below the 200-day MA of 1134.44, indicating a neutral trend. The MACD of -31.24 indicates Positive momentum. The RSI at 50.07 is Neutral, neither overbought nor oversold. The STOCH value of 76.50 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 |
|---|---|---|---|---|---|---|---|
85 Outperform | ¥9.66B | 15.32 | ― | 1.22% | 15.31% | 40.40% | |
78 Outperform | ¥7.96B | 15.73 | ― | 2.58% | 13.25% | 35.07% | |
69 Neutral | ¥714.13B | 28.91 | 21.37% | 1.54% | 13.19% | 25.73% | |
59 Neutral | ¥8.37B | 21.59 | ― | ― | 6.94% | ― | |
58 Neutral | ¥11.76B | -26.59 | -8.34% | ― | 6.77% | -148.41% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ¥75.16B | 43.75 | ― | ― | 44.45% | 85.85% |
* General Sector Average
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Finatext Holdings Ltd. Corporate Events
Finatext Targets Strong FY2026 Growth on Rising Financial Infrastructure Partnerships
Aug 12, 2026
Finatext Holdings reported first-quarter FY2026 revenue of 2,843 million yen, up 35% year on year, with EBITDA of 323 million yen and a margin of 11%. Net income attributable to owners of the parent reached 565 million yen, a margin of 20%, booste...
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.