Want to see JP:7384 full AI Analyst Report?
Top Page
Procrea Holdings,Inc.
(7384)
Select Model
Select Model
Rating:57Neutral
Price Target:
¥4,932.00
▲(189.44% Upside)
Action:Reiterated
Date:08/18/26
The score is primarily held back by uneven financial performance (volatile profitability and cash flows despite 2026 improvement) and a relatively expensive valuation (P/E 33.8 with ~1.05% yield). These are partially offset by strong technical momentum, with the stock trading well above key moving averages and a positive MACD, though momentum is close to overbought.
Positive Factors
Revenue Rebound
Revenue increased from 70.2B in 2024 to 81.1B in 2026, showing a durable rebound in the core business. Continued top-line expansion can improve operating leverage and provide a stronger base for earnings over the next several periods.
Negative Factors
Cash Flow Volatility
Operating and free cash flow have swung sharply across recent years, including negative figures in 2023 and 2024 before a modest 2026 recovery. This inconsistency reduces confidence in recurring cash generation and limits financial predictability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Rebound
Revenue increased from 70.2B in 2024 to 81.1B in 2026, showing a durable rebound in the core business. Continued top-line expansion can improve operating leverage and provide a stronger base for earnings over the next several periods.
Read all positive factors
Procrea Holdings,Inc. (7384) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥130.10B
Dividend Yield1.08%
Average Volume (3M)59.77K
Price to Earnings (P/E)32.3
Beta (1Y)1.10
Revenue Growth24.84%
EPS Growth155.54%
CountryJP
Employees2,197
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)143.78
Shares Outstanding28,658,957
10 Day Avg. Volume54,130
30 Day Avg. Volume59,766
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)0.54
Price to Sales (P/S)1.09
P/FCF Ratio5.07
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)N/A
Revenue Forecast (FY)N/A
Procrea Holdings,Inc. Business Overview & Revenue Model
Company Description
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 guar...
How the Company Makes Money
null...
Procrea Holdings,Inc. Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
48
Neutral
Cash Flow
42
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 81.43B | 81.08B | 77.67B | 70.21B | 71.14B |
| Gross Profit | 68.03B | 65.34B | 73.77B | 69.76B | 70.09B |
| EBITDA | 6.26B | 10.52B | 6.69B | 6.85B | 53.42B |
| Net Income | 4.07B | 3.78B | 1.23B | 2.82B | 48.96B |
Balance Sheet | |||||
| Total Assets | 5.87T | 5.85T | 6.06T | 5.97T | 5.97T |
| Cash, Cash Equivalents and Short-Term Investments | 1.44T | 1.15T | 1.48T | 1.21T | 1.12T |
| Total Debt | 181.70B | 305.53B | 570.66B | 426.47B | 480.93B |
| Total Liabilities | 5.70T | 5.68T | 5.90T | 5.81T | 5.79T |
| Stockholders Equity | 170.22B | 162.76B | 158.30B | 167.35B | 184.44B |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 17.38B | 213.22B | -24.03B | -510.94B |
| Operating Cash Flow | 0.00 | 19.27B | 215.26B | -19.79B | -508.45B |
| Investing Cash Flow | 0.00 | -124.45B | 119.69B | 104.33B | 72.62B |
| Financing Cash Flow | 0.00 | -223.19B | -69.56B | 61.18B | -2.87B |
Procrea Holdings,Inc. Technical Analysis
Positive
1704.00
Price Trends
4101.10
Positive
3838.95
Positive
3110.31
Positive
Market Momentum
125.03
Positive
58.46
Neutral
34.03
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7384, the sentiment is Positive. The current price of 1704 is below the 20-day moving average (MA) of 4379.25, below the 50-day MA of 4101.10, and below the 200-day MA of 3110.31, indicating a bullish trend. The MACD of 125.03 indicates Positive momentum. The RSI at 58.46 is Neutral, neither overbought nor oversold. The STOCH value of 34.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7384.
Procrea Holdings,Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥145.72B | 8.67 | ― | 3.05% | 36.24% | 144.55% | |
72 Outperform | ¥107.90B | 10.93 | ― | 2.29% | 15.70% | 63.78% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥159.42B | 18.21 | ― | 3.35% | 28.83% | 38.45% | |
65 Neutral | ¥137.22B | 14.21 | ― | 2.46% | 18.71% | 51.71% | |
61 Neutral | ¥111.25B | 13.12 | ― | 2.12% | 26.39% | ― | |
57 Neutral | ¥130.10B | 32.34 | ― | 2.42% | 24.84% | 155.54% |
* Financial Sector Average
JP:7384
Procrea Holdings,Inc.
4,650.00
2,977.80
178.08%
JP:8343
Akita Bank, Ltd.
9,060.00
5,658.80
166.38%
JP:8387
Shikoku Bank Ltd.
3,615.00
2,234.85
161.93%
JP:8395
Bank of Saga Ltd.
6,630.00
3,787.41
133.24%
JP:8399
Bank Of The Ryukyus,Limited
3,290.00
2,004.15
155.86%
JP:8550
Tochigi Bank, Ltd.
1,094.00
630.56
136.06%
Procrea Holdings,Inc. Corporate Events
Procrea Holdings Posts Strong Q1 Earnings and Doubles Dividend Outlook
Aug 5, 2026
Procrea Holdings reported solid consolidated results for the three months ended June 30, 2026, with ordinary income rising 18.9% year on year to ¥25.64 billion and ordinary profit up 9.1% to ¥4.24 billion. Profit attributable to owners o...
Procrea Holdings Discloses Large Unrealized Bond Losses, Keeps Earnings Outlook Unchanged
Jul 27, 2026
Procrea Holdings, Inc. reported that its consolidated subsidiary Aomori Michinoku Bank recorded unrealized losses of 12,072 million yen on held-to-maturity bonds as of June 30, 2026, based on market valuation of securities with a book value of 225...
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.