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Procrea Holdings,Inc. (7384) Stock Price & Analysis
7384 Stock Chart & Stats
- Day’s Range
- JPY 4,165.00 - JPY 4,355.00
- 52-Week Range
- JPY 1,631.00 - JPY 6,070.00
- Previous Close
- JPY 4,210.00
- Volume
- 48.30K
- Average Volume (3M)
- 192.30K
- Market Cap
- JPY 121.58B
- Enterprise Value
- -JPY 1.15T
- Total Cash (Recent Filing)
- JPY 1.44T
- Total Debt (Recent Filing)
- JPY 181.70B
- Price to Earnings (P/E)
- 29.8
- Beta
- 1.25
- Next Earnings
- Nov 06, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- Mar 30, 2027
- Dividend Yield
- 1.75%
Bulls Say, Bears Say
Bulls Say
Revenue Rebound
The sustained revenue recovery across the last three reported years indicates improving business activity rather than a single-period increase. Continued top-line expansion can support operating leverage, strengthen the company’s market position, and provide a broader base for future earnings growth.
Margin Recovery
Improving operating and net margins show that the company is converting its revenue rebound into better profitability. If this recovery persists, it could enhance internal funding capacity, improve resilience, and support more consistent returns despite earlier earnings normalization.
Lower Leverage
The sharp reduction in debt-to-equity strengthens the balance sheet relative to the prior year and reduces financial strain. Although leverage remains elevated, this direction of change improves flexibility to absorb operating volatility and allocate capital toward the business.
Bears Say
Elevated Leverage
Leverage remains a meaningful structural constraint even after the year-on-year improvement. A debt-to-equity ratio of 1.88x can limit financial flexibility, increase sensitivity to weaker operating conditions, and leave fewer resources available for investment or shareholder returns.
Volatile Cash Generation
Large year-to-year swings in operating and free cash flow weaken confidence that recent positive cash generation is durable. Uneven conversion of earnings into cash can complicate capital planning, reduce funding certainty, and make the company more exposed to future operating fluctuations.
Inconsistent Profitability
Profitability has not yet demonstrated consistent underlying performance, with margins falling sharply after the 2023 peak and only partly recovering. The modest 2026 ROE further suggests that earnings power and shareholder returns remain weaker and less predictable than the rebound implies.
Procrea Holdings,Inc. News
Procrea Holdings Reports Large Unrealized Bond Losses but Keeps Earnings Outlook Intact
The latest update is out from Procrea Holdings,Inc. ( ($JP:7384) ). Procrea Holdings, Inc., a Prime Market-listed Japanese financial group, operates through Aomori Michinoku Bank and other subsidiaries, with a
Procrea Holdings Discloses Large Unrealized Bond Losses, Keeps Earnings Outlook Unchanged
Procrea Holdings,Inc. ( ($JP:7384) ) has shared an update. Procrea Holdings, Inc. reported that its consolidated subsidiary Aomori Michinoku Bank recorded unrealized losses of 12,072 million yen on held-to-maturity bonds
Procrea Holdings Flags Large Unrealized Bond Losses, Keeps Earnings Outlook Intact
The latest announcement is out from Procrea Holdings,Inc. ( ($JP:7384) ). Procrea Holdings said consolidated subsidiary Aomori Michinoku Bank recorded unrealized losses of ¥11.77 billion on held-to-maturity bonds as of
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Company Description
Procrea Holdings,Inc.
Procrea Holdings, Inc. functions as a parent organization for The Aomori Bank, Ltd. and The Michinoku Bank, Ltd., through which it provides a comprehensive range of banking solutions. Its services include issuing credit cards, offering credit guarantees, and handling credit management and collection. The company also diversifies its activities into consulting, leasing, and property management. Founded in 2022, its main corporate office is located in Aomori, Japan.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Susumu Narita
- Employees
- 2,197
- Website
- www.procrea-hd.co.jp
- Address
- 1-3-1, Katta, Aomori, AO, 030-8622, JP
Procrea Holdings,Inc. (7384) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 6 | 8 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 6 | 0 | 6 |






