ONDECK Co., Ltd. (7360) AI Stock Analysis

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ONDECK Co., Ltd.

(TSE/TYO:7360)

Select Model

Rating:55Neutral

Price Target:JPY 1,245.00▲(3.75% Upside)

Action:reiterated

Date:10/30/26

The score is held back primarily by unstable profitability and cash generation, including a sharp 2025 revenue drop and return to losses with negative operating cash flow, despite low balance-sheet leverage. Technicals are supportive due to strong momentum and an uptrend, but overbought signals temper that benefit. Valuation is moderate (P/E ~20.4) with no dividend yield data to improve the outlook.

Positive Factors

Conservative leverageVery low debt relative to equity reduces balance-sheet pressure and limits exposure to interest costs or refinancing needs. This gives ONDECK greater flexibility to withstand weaker operating periods and preserve strategic options while profitability recovers.

Negative Factors

Sharp revenue and profit deteriorationThe steep revenue decline alongside a swing into a substantial net loss signals weakened demand or operating execution and reduces confidence in near-term earnings durability. Recovery will require both renewed top-line performance and restoration of profitable operating leverage.

ONDECK Co., Ltd. (7360) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 3.14B
Dividend Yield: ―
Average Volume (3M): 18.50K
Price to Earnings (P/E): 20.6
Beta (1Y): -0.11
Revenue Growth: 3.00%
EPS Growth: 112.22%
Country: Japan
Employees: 55
Sector: General
Sector Strength: 55
Industry: Financial - Capital Markets

ONDECK Co., Ltd. Business Overview & Revenue Model

Company Description

ONDECK Co., Ltd. specializes in mergers and acquisitions (M&A), offering comprehensive services such as brokering deals, facilitating transactions, and providing expert consultation. The company further extends its advisory capabilities to assist bus...

ONDECK Co., Ltd. Financial Statement Overview

Summary

Financials are weighed down by sharp volatility: a swing from strong profitability in 2024 (~14% net margin) to meaningful losses in 2025 (~-18%) alongside a steep revenue decline (~-38% YoY). Cash flow is also inconsistent with negative operating cash flow in 2025, raising durability concerns. The main offset is a conservative balance sheet with very low leverage (debt-to-equity ~0.0x–0.15x), which limits financial risk.

Income Statement

32Negative

Balance Sheet

78Positive

Cash Flow

35Negative

Financial statement breakdown
Breakdown	TTM	Nov 2025	Nov 2024	Nov 2023	Nov 2022	Nov 2021
Income Statement
Total Revenue	864.17M	864.42M	1.67B	826.66M	1.34B	778.76M
Gross Profit	320.55M	315.66M	959.94M	299.66M	706.95M	390.58M
EBITDA	-213.32M	-211.09M	365.92M	-181.31M	220.69M	45.63M
Net Income	-152.12M	-151.64M	239.07M	-152.76M	151.32M	22.79M
Balance Sheet
Total Assets	1.16B	1.16B	1.68B	1.02B	1.77B	1.33B
Cash, Cash Equivalents and Short-Term Investments	664.47M	664.47M	888.56M	520.79M	1.38B	1.07B
Total Debt	36.67M	36.67M	46.67M	0	14.26M	48.56M
Total Liabilities	202.73M	202.73M	575.99M	159.21M	503.64M	210.11M
Stockholders Equity	952.54M	952.54M	1.10B	865.14M	1.27B	1.12B
Cash Flow
Free Cash Flow	-219.32M	0	410.75M	-535.87M	337.63M	-23.26M
Operating Cash Flow	-218.25M	-218.25M	411.15M	-509.44M	347.11M	-7.74M
Investing Cash Flow	4.15M	4.15M	-90.02M	-77.72M	-4.09M	-23.13M
Financing Cash Flow	-10.00M	-10.00M	46.63M	-268.11M	-34.35M	503.99M

ONDECK Co., Ltd. Technical Analysis

Technical Analysis SentimentPositive

Last Price1200.00

Price Trends

50DMA729.64Positive

100DMA677.44Positive

200DMA728.16Positive

Market Momentum

MACD143.21Negative

RSI79.04Negative

STOCH53.43Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7360, the sentiment is Positive. The current price of 1200.00 is above the 20-day moving average (MA) of 860.25, above the 50-day MA of 729.64, and above the 200-day MA of 728.16, indicating a bullish trend. The MACD of 143.21 indicates Negative momentum. The RSI at 79.04 is Negative, neither overbought nor oversold. The STOCH value of 53.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7360.

ONDECK Co., Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:7360 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:7175	83Outperform	JPY 8.76B	5.82	―	5.46%	45.64%	113.95%
JP:8700	77Outperform	JPY 8.00B	8.20	―	4.99%	30.22%	97.84%
JP:8617	72Outperform	JPY 5.56B	12.85	―	1.70%	94.46%	―
JP:8705	63Neutral	JPY 10.68B	12.05	6.91%	7.21%	21.75%	411.73%
JP:8708	62Neutral	JPY 46.57B	12.69	―	3.14%	9.78%	35.19%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
JP:7360	55Neutral	JPY 3.44B	20.62	―	―	3.00%	112.22%

* General Sector Average

Performance Comparison

JP:7360 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7360	ONDECK Co., Ltd.	1200.00	341.00	39.70%
JP:8705	Okato Nissan Securities Holdings, Inc.	208.00	48.55	30.45%
JP:7175	Imamura Securities Co.Ltd.	1647.00	574.05	53.50%
JP:8617	Kosei Securities Co., Ltd.	588.00	120.00	25.64%
JP:8700	Maruhachi Securities Co., Ltd.	2005.00	466.94	30.36%
JP:8708	AIZAWA SECURITIES GROUP CO. LTD.	1499.00	286.50	23.63%

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.

Date of analysis: Oct 30, 2026

ONDECK Co., Ltd. AI Stock Analysis