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Casa Inc.
(7196)
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Rating:56Neutral
Price Target:
¥752.00
▲(5.47% Upside)
Action:Reiterated
Date:08/06/26
The score is held up primarily by a strong, low-leverage balance sheet and a sharp 2026 cash flow recovery, but it is dragged down by a major recent deterioration in profitability/returns and very weak technical momentum (below key moving averages with negative MACD and deeply oversold RSI). Valuation is mixed due to a modest dividend but a negative P/E.
Positive Factors
Low leverage balance sheet
Casa's very low leverage provides durable financial resilience, reducing refinancing and liquidity risk across mortgage cycles. A sizable equity base supports lending capacity, cushions shocks, and preserves strategic optionality for capital allocation without stressing cash flow.
Negative Factors
Sharp profitability deterioration
A pronounced drop in margins and ROE signals weaker core profitability and poorer returns on equity, eroding the company's ability to fund growth from earnings. If persistent, lower margins limit reinvestment, dividend sustainability, and the attractiveness of the mortgage franchise to capital providers.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage balance sheet
Casa's very low leverage provides durable financial resilience, reducing refinancing and liquidity risk across mortgage cycles. A sizable equity base supports lending capacity, cushions shocks, and preserves strategic optionality for capital allocation without stressing cash flow.
Read all positive factors
Casa Inc. (7196) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥7.74B
Dividend Yield2.02%
Average Volume (3M)20.40K
Price to Earnings (P/E)―
Beta (1Y)0.39
Revenue Growth4.70%
EPS Growth-108.41%
CountryJP
Employees276
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)-8.72
Shares Outstanding11,522,500
10 Day Avg. Volume26,810
30 Day Avg. Volume20,396
Financial Highlights & Ratios
PEG Ratio-0.72
Price to Book (P/B)1.06
Price to Sales (P/S)0.55
P/FCF Ratio14.51
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)242
Revenue Forecast (FY)¥18.06B
Casa Inc. Business Overview & Revenue Model
Company Description
Casa Inc. is a Japanese firm dedicated to the rental guarantee industry. It delivers essential services to tenants, encompassing rental guarantees, exclusive benefits, and advisory support. Moreover, the company manages rental properties for landl...
Casa Inc. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
76
Positive
Cash Flow
62
Positive
| Breakdown | TTM | Jan 2026 | Jan 2025 | Jan 2024 | Jan 2023 | Jan 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.89B | 12.75B | 12.16B | 11.22B | 10.29B | 10.34B |
| Gross Profit | 5.51B | 5.04B | 7.39B | 6.14B | 5.85B | 6.01B |
| EBITDA | 552.19M | 771.43M | 1.83B | 1.34B | 942.04M | 1.45B |
| Net Income | -79.23M | 123.45M | 602.00M | 605.15M | 254.74M | 647.48M |
Balance Sheet | ||||||
| Total Assets | 16.16B | 15.18B | 15.77B | 14.78B | 13.23B | 12.91B |
| Cash, Cash Equivalents and Short-Term Investments | 2.99B | 2.82B | 2.99B | 3.71B | 2.89B | 2.42B |
| Total Debt | 409.66M | 615.69M | 176.00M | 193.54M | 47.29M | 60.81M |
| Total Liabilities | 9.79B | 8.58B | 8.26B | 7.54B | 6.38B | 5.92B |
| Stockholders Equity | 6.37B | 6.60B | 7.51B | 7.24B | 6.84B | 6.98B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 482.24M | 8.00M | 932.62M | 962.80M | 276.72M |
| Operating Cash Flow | 0.00 | 544.58M | 13.66M | 1.14B | 1.17B | 728.76M |
| Investing Cash Flow | 0.00 | -184.79M | -334.00M | -11.25M | -300.71M | -1.01B |
| Financing Cash Flow | 0.00 | -523.06M | -401.00M | -314.72M | -391.39M | -480.39M |
Casa Inc. Technical Analysis
Negative
713.00
Price Trends
767.06
Negative
756.32
Negative
733.69
Positive
Market Momentum
-6.25
Negative
41.35
Neutral
42.62
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7196, the sentiment is Negative. The current price of 713 is below the 20-day moving average (MA) of 744.00, below the 50-day MA of 767.06, and below the 200-day MA of 733.69, indicating a neutral trend. The MACD of -6.25 indicates Negative momentum. The RSI at 41.35 is Neutral, neither overbought nor oversold. The STOCH value of 42.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7196.
Casa Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | ¥439.73B | 12.95 | 13.93% | 4.80% | 2.32% | 3.67% | |
79 Outperform | ¥82.92B | 22.46 | ― | 2.02% | 5.01% | 8.58% | |
68 Neutral | ¥9.20B | 8.05 | ― | 5.03% | 6.81% | 11.76% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | ¥36.82B | 19.39 | ― | 4.51% | 14.73% | 15.80% | |
56 Neutral | ¥7.74B | -85.32 | ― | 4.49% | 4.70% | -108.41% | |
56 Neutral | ¥4.57B | 19.40 | ― | 2.04% | 14.35% | 268.68% |
* Financial Sector Average
JP:7196
Casa Inc.
744.00
-64.43
-7.97%
JP:7164
Zenkoku Hosho Co
3,219.00
-36.50
-1.12%
JP:7183
Anshin Guarantor Service Co., Ltd.
254.00
91.61
56.41%
JP:7192
Mortgage Service Japan Limited
629.00
201.49
47.13%
JP:7198
SBI ARUHI Corporation
847.00
46.91
5.86%
JP:8771
eGuarantee, Inc.
1,825.00
338.80
22.80%
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.