Net Protections Holdings, Inc. (7383) AI Stock Analysis

• Market Cap: ¥79.82B
• Dividend Yield: N/A
• Average Volume (3M): 754.46K
• Price to Earnings (P/E): 46.6
• Beta (1Y): 1.47
• Revenue Growth: 14.63%
• EPS Growth: N/A
• Country: JP
• Employees: 333
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 4.77
• Shares Outstanding: 99,404,000
• 10 Day Avg. Volume: 760,330
• 30 Day Avg. Volume: 754,460
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥1,100.00
• Price Target Upside: 29.41% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: ¥904.00 ▲(6.35% Upside)

Net Protections Holdings, Inc. shows strong financial performance with significant improvements in profitability and cash flow, which is the most significant factor in its score. However, technical indicators suggest a bearish trend, and the high P/E ratio indicates potential overvaluation. The absence of a dividend yield further impacts its valuation negatively.

Net Protections Holdings, Inc. Business Overview & Revenue Model

Company Description

Net Protections Holdings, Inc. (7383) is a leading Japanese fintech company specializing in providing payment solutions and credit services. The company primarily operates in the e-commerce sector, offering services such as deferred payment options and credit screening to both consumers and merchants. With a focus on enhancing the online shopping experience, Net Protections aims to streamline transactions and reduce payment-related friction, catering to the needs of a growing digital marketplace.

How the Company Makes Money

Net Protections Holdings generates revenue through its core service offerings, which include transaction fees charged to merchants for processing deferred payment solutions and interest income from consumers utilizing their credit services. The company partners with various e-commerce platforms and retailers to integrate its payment solutions, expanding its reach and customer base. Additionally, Net Protections benefits from data analytics and risk assessment tools that enhance their credit screening processes, potentially leading to increased adoption and usage of their services. Their revenue model is primarily transactional, with fees collected based on the volume of transactions processed.

Net Protections Holdings, Inc. Financial Statement Overview

Summary

Net Protections Holdings, Inc. exhibits strong financial recovery and growth, with impressive improvements in profitability and cash flow. The balance sheet is stable, with moderate leverage and strengthened equity, although past volatility presents a risk.

Income Statement

The firm has shown a strong recovery with a significant improvement in net income and EBIT from previous losses. The revenue growth rate is robust at 10.47%, indicating a healthy upward trajectory. Gross profit margin is strong at 56.92%, demonstrating effective cost management. However, past volatility in EBIT and net income suggests potential risks in sustaining profitability.

Balance Sheet

The company maintains a healthy balance sheet with a debt-to-equity ratio of 0.54, indicating moderate leverage. The equity ratio stands at 27.06%, reflecting a stable financial position. Return on equity has improved significantly, highlighting enhanced shareholder value. However, the industry norm may require higher equity ratios for better resilience.

Cash Flow

Operating cash flow has substantially increased, showcasing strong cash-generating ability. The free cash flow to net income ratio is favorable, indicating efficient conversion of profits into cash. Free cash flow growth is impressive, reflecting improved financial flexibility. Despite previous fluctuations, current trends indicate robust cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	23.33B	22.44B	20.31B	18.84B	18.66B	18.11B
Gross Profit	13.22B	12.77B	20.84B	18.84B	18.22B	17.58B
EBITDA	3.95B	3.86B	1.00B	979.00M	2.21B	2.62B
Net Income	1.69B	1.35B	-828.00M	-443.00M	235.00M	574.00M
Balance Sheet
Total Assets	79.08B	70.85B	60.28B	55.40B	53.04B	44.92B
Cash, Cash Equivalents and Short-Term Investments	20.11B	17.04B	10.81B	10.56B	12.12B	8.30B
Total Debt	10.35B	10.28B	8.54B	8.46B	5.68B	6.88B
Total Liabilities	59.26B	51.62B	42.50B	36.94B	34.40B	34.41B
Stockholders Equity	19.76B	19.17B	17.70B	18.37B	18.64B	10.51B
Cash Flow
Free Cash Flow	10.63B	6.50B	191.00M	-4.07B	143.00M	5.66B
Operating Cash Flow	10.66B	6.57B	1.93B	-2.63B	951.00M	6.35B
Investing Cash Flow	-1.59B	-1.51B	-1.76B	-1.76B	-767.00M	-894.00M
Financing Cash Flow	-1.30B	1.21B	75.00M	2.84B	3.63B	-1.89B

Net Protections Holdings, Inc. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 850.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7383, the sentiment is Neutral. The current price of 850 is below the 20-day moving average (MA) of 858.35, below the 50-day MA of 870.78, and above the 200-day MA of 621.25, indicating a neutral trend. The MACD of -16.22 indicates Positive momentum. The RSI at 41.75 is Neutral, neither overbought nor oversold. The STOCH value of 13.70 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7383.

Net Protections Holdings, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7191	72 Outperform	¥23.11B	14.61	―	2.33%	16.70%	22.23%
8771	72 Outperform	¥76.44B	21.31	―	2.32%	13.15%	8.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7383	67 Neutral	¥79.82B	46.61	―	―	14.63%	―
7199	63 Neutral	¥78.77B	16.23	―	2.40%	17.78%	-3.79%
5258	58 Neutral	¥14.72B	-18.19	―	―	16.63%	-328.87%
7183	55 Neutral	¥2.79B	43.66	―	1.94%	11.56%	-81.06%

Net Protections Holdings, Inc. Corporate Events

Net Protections Holdings Announces Corrections to Financial Forecasts

Net Protections Holdings, Inc. has announced corrections to its consolidated financial results for the three months ended June 30, 2025. The corrections were necessary due to errors in the percentage changes of the forecasted results for the fiscal year ending March 31, 2026, which were initially based on incorrect earnings forecasts. The revised forecasts show significant increases in key financial metrics, indicating a stronger than anticipated financial performance, which may positively impact the company’s market position and stakeholder confidence.

The most recent analyst rating on (JP:7383) stock is a Buy with a Yen773.00 price target. To see the full list of analyst forecasts on Net Protections Holdings, Inc. stock, see the JP:7383 Stock Forecast page.

Net Protections Holdings Reports Strong Q1 Growth and Upward Forecast Revision

Net Protections Holdings, Inc. reported strong growth in its ‘atone’ and ‘NP Kakebarai’ services, with increases of 65.3% and 43.4% respectively. The company attributes its improved performance to a reduced delinquency rate, achieved through enhanced credit risk management strategies and conservative forecasting. This has led to an upward revision of their fiscal year forecast, highlighting the impact of top-line contributions to their financial results.

The most recent analyst rating on (JP:7383) stock is a Hold with a Yen430.00 price target. To see the full list of analyst forecasts on Net Protections Holdings, Inc. stock, see the JP:7383 Stock Forecast page.

Net Protections Holdings Revises Earnings Forecast Upward for Fiscal Year 2026

Net Protections Holdings, Inc. has revised its earnings forecast for the fiscal year ending March 2026, reflecting better-than-expected performance in the first quarter. The company attributes this positive adjustment to increased transaction volumes from existing and new merchants, as well as improvements in credit screening that reduced delinquency rates. Despite the upward revision, the company maintains a cautious outlook for the rest of the fiscal year due to uncertainties in forecasting the impact of credit screening enhancements.

The most recent analyst rating on (JP:7383) stock is a Hold with a Yen430.00 price target. To see the full list of analyst forecasts on Net Protections Holdings, Inc. stock, see the JP:7383 Stock Forecast page.

Net Protections Holdings Reports Strong Q1 Financial Growth

Net Protections Holdings, Inc. reported a significant increase in its financial performance for the three months ended June 30, 2025, with a 17.3% rise in total operating revenue and a remarkable 250.5% increase in profit attributable to owners of the parent compared to the previous year. The company also revised its forecast for the fiscal year ending March 31, 2026, indicating continued growth and stability in its operations, which reflects positively on its market positioning and potential benefits for stakeholders.

The most recent analyst rating on (JP:7383) stock is a Hold with a Yen430.00 price target. To see the full list of analyst forecasts on Net Protections Holdings, Inc. stock, see the JP:7383 Stock Forecast page.