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Japan Living Warranty, Inc.
(7320)
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Rating:71Outperform
Price Target:
¥1,541.00
▲(9.52% Upside)
Action:Upgraded
Date:08/18/26
The score is primarily driven by improving fundamentals (strong growth, high margins, and reduced leverage), supported by attractive valuation (low P/E with a modest yield). These positives are tempered by weak technical positioning (trading below key moving averages with soft RSI) and the company’s recent earnings and cash-flow volatility.
Positive Factors
Sustained Revenue Growth
Revenue expansion over several years indicates growing adoption of the company’s housing warranty and support services. Continued growth provides operating scale and supports the potential for durable earnings expansion if demand remains resilient.
Negative Factors
Earnings Volatility
The abrupt loss followed by a rebound raises questions about the consistency of the earnings base. If similar disruptions recur, they could weaken confidence in margin sustainability and make planning, reinvestment, and debt servicing less predictable.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Revenue expansion over several years indicates growing adoption of the company’s housing warranty and support services. Continued growth provides operating scale and supports the potential for durable earnings expansion if demand remains resilient.
Read all positive factors
Japan Living Warranty, Inc. (7320) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥16.89B
Dividend Yield1.38%
Average Volume (3M)46.68K
Price to Earnings (P/E)9.4
Beta (1Y)0.70
Revenue Growth14.52%
EPS GrowthN/A
CountryJP
Employees260
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)-90.87
Shares Outstanding11,997,254
10 Day Avg. Volume33,800
30 Day Avg. Volume46,680
Financial Highlights & Ratios
PEG Ratio-0.02
Price to Book (P/B)2.83
Price to Sales (P/S)2.03
P/FCF Ratio9.38
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)184.6
Revenue Forecast (FY)¥9.00B
Japan Living Warranty, Inc. Business Overview & Revenue Model
Company Description
Headquartered in Tokyo, Japan, Solvvy Inc. was founded in 2009 and specializes in offering comprehensive warranty services alongside a suite of Software-as-a-Service (SaaS) products. Their extensive service portfolio encompasses various guarantees...
How the Company Makes Money
null...
Japan Living Warranty, Inc. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.29B | 7.68B | 6.71B | 5.36B | 3.92B | 3.31B |
| Gross Profit | 5.28B | 5.65B | 4.81B | 4.00B | 2.79B | 2.19B |
| EBITDA | -620.60M | 2.19B | -604.05M | 1.52B | 1.18B | 857.85M |
| Net Income | -479.60M | 1.74B | -628.14M | 973.30M | 751.28M | 546.44M |
Balance Sheet | ||||||
| Total Assets | 32.92B | 34.42B | 29.62B | 24.59B | 20.10B | 16.22B |
| Cash, Cash Equivalents and Short-Term Investments | 3.93B | 3.53B | 3.41B | 2.80B | 4.40B | 3.76B |
| Total Debt | 2.16B | 2.13B | 2.28B | 2.51B | 2.29B | 1.44B |
| Total Liabilities | 27.95B | 28.89B | 25.43B | 21.59B | 18.16B | 14.98B |
| Stockholders Equity | 4.95B | 5.51B | 4.17B | 3.01B | 1.95B | 1.24B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 1.66B | 2.09B | 539.65M | 1.63B | -482.37M |
| Operating Cash Flow | 0.00 | 1.67B | 2.10B | 922.42M | 1.86B | 292.82M |
| Investing Cash Flow | 0.00 | -377.22M | -1.34B | -2.09B | -1.90B | -3.17B |
| Financing Cash Flow | 0.00 | -1.12B | -549.55M | 168.00M | 783.35M | 748.24M |
Japan Living Warranty, Inc. Technical Analysis
Negative
1407.00
Price Trends
1449.43
Negative
1538.25
Negative
1536.14
Negative
Market Momentum
-11.10
Positive
43.62
Neutral
35.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7320, the sentiment is Negative. The current price of 1407 is below the 20-day moving average (MA) of 1480.35, below the 50-day MA of 1449.43, and below the 200-day MA of 1536.14, indicating a bearish trend. The MACD of -11.10 indicates Positive momentum. The RSI at 43.62 is Neutral, neither overbought nor oversold. The STOCH value of 35.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7320.
Japan Living Warranty, Inc. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ¥16.32B | 9.58 | ― | 3.14% | 10.64% | 10.58% | |
76 Outperform | ¥10.78B | 16.01 | ― | 3.01% | 15.39% | 23.76% | |
73 Outperform | ¥28.06B | 17.97 | ― | ― | 44.69% | 124.67% | |
71 Outperform | ¥16.89B | 9.45 | ― | 0.98% | 14.52% | ― | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
52 Neutral | ¥13.61B | -181.53 | ― | ― | 74.81% | -141.25% | |
50 Neutral | ¥2.55B | -8.34 | ― | 0.72% | -6.07% | -348.97% |
* Technology Sector Average
JP:7320
Japan Living Warranty, Inc.
1,454.00
-659.19
-31.19%
JP:2307
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4,075.00
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-21.18%
Japan Living Warranty, Inc. Corporate Events
Solvvy Nears Limit of Share Buyback Program with Completion of Treasury Stock Acquisition
Jun 24, 2026
Solvvy Inc. has completed a share buyback program authorized by its board of directors under provisions of the Companies Act, acquiring 68,600 common shares for approximately 101.9 million yen through market purchases on the Tokyo Stock Exchange b...
Solvvy Advances Share Buyback Program, Repurchasing 67,700 Shares in May
Jun 1, 2026
Solvvy Inc. has disclosed the latest status of its ongoing share buyback program, conducted under provisions of the Companies Act that allow acquisitions of its own shares pursuant to board authorization. Between May 1 and May 31, 2026, the compan...
Solvvy posts sharp profit rebound and raises shareholder returns outlook
May 18, 2026
Solvvy Inc. reported consolidated net sales of ¥5.24 billion for the nine months ended March 31, 2026, up 12.5% year on year, with operating profit edging up 2.0% to ¥1.07 billion and ordinary profit rising 19.3% to ¥1.62 billion. P...
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.