Procrea Holdings,Inc. AI Stock Analysis
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Procrea Holdings,Inc. (7384) AI Stock Analysis
Procrea Holdings,Inc.
(TSE/TYO:7384)
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.
Procrea Holdings,Inc. (7384) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 112.13B
- Dividend Yield
- 1.86%
- Average Volume (3M)
- 160.16K
- Price to Earnings (P/E)
- 28.0
- Beta (1Y)
- 1.41
- Revenue Growth
- 24.84%
- EPS Growth
- 155.54%
- Country
- Japan
- Employees
- 2,197
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 guarant...
Procrea Holdings,Inc. Financial Statement Overview
Summary
Fundamentals are improving in 2026 (revenue growth to 81.1B, margin recovery, leverage improved to 1.88x D/E, and operating/free cash flow back to positive), but overall results across 2023–2026 remain highly volatile—especially profitability normalization and large cash-flow swings—keeping confidence in earnings/cash sustainability moderate.
Income Statement
56NeutralBalance Sheet
48NeutralCash Flow
42Neutral| 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 | 17.38B | 213.22B | -24.03B | -510.94B |
| Operating Cash Flow | 0 | 19.27B | 215.26B | -19.79B | -508.45B |
| Investing Cash Flow | 0 | -124.45B | 119.69B | 104.33B | 72.62B |
| Financing Cash Flow | 0 | -223.19B | -69.56B | 61.18B | -2.87B |
Procrea Holdings,Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7384, the sentiment is Neutral. The current price of 4030.00 is below the 20-day moving average (MA) of 4078.50, below the 50-day MA of 4757.55, and above the 200-day MA of 3807.51, indicating a neutral trend. The MACD of -258.68 indicates Negative momentum. The RSI at 43.83 is Neutral, neither overbought nor oversold. The STOCH value of 64.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7384.
Procrea Holdings,Inc. Peers Comparison
Overall Rating
JP:855082Outperform
JP:838780.5Outperform
JP:839978Outperform
JP:839575Outperform
JP:834363Neutral- JP:738457Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8550 | 82Outperform | JPY 90.77B | 11.97 | ― | 3.38% | 24.87% | ― |
| JP:8387 | 81Outperform | JPY 150.65B | 8.62 | ― | 2.09% | 39.23% | 178.34% |
| JP:8399 | 78Outperform | JPY 114.53B | 11.50 | ― | 4.13% | 18.94% | 26.15% |
| JP:8395 | 75Outperform | JPY 102.27B | 10.86 | ― | 2.06% | 15.58% | 15.08% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:8343 | 63Neutral | JPY 132.69B | 14.59 | ― | 13.77% | 28.83% | 38.45% |
| JP:7384 | 57Neutral | JPY 117.32B | 28.03 | ― | 1.86% | 24.84% | 155.54% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:7384 | Procrea Holdings,Inc. | 4030.00 | 2392.80 | 146.15% | |
| JP:8343 | Akita Bank, Ltd. | 1452.00 | 733.39 | 102.06% | |
| JP:8387 | Shikoku Bank Ltd. | 3595.00 | 2114.06 | 142.75% | |
| JP:8395 | Bank of Saga Ltd. | 6070.00 | 2845.54 | 88.25% | |
| JP:8399 | Bank Of The Ryukyus,Limited | 2663.00 | 1143.47 | 75.25% | |
| JP:8550 | Tochigi Bank, Ltd. | 858.00 | 261.02 | 43.72% |
Procrea Holdings,Inc. Corporate Events
Procrea Holdings to Merge Card Units and Rebrand Under Aomori Michinoku Name
Procrea Holdings, Inc. will merge its wholly owned credit card subsidiaries Aogin Card Service Company Limited and The Michinoku Card Co., Ltd. as part of a group-wide efficiency drive. The surviving entity will be Aogin Card Service Company Limited,...
Procrea Holdings Reports Large Unrealized Bond Losses but Keeps Earnings Outlook Intact
Procrea Holdings, Inc., a Prime Market-listed Japanese financial group, operates through Aomori Michinoku Bank and other subsidiaries, with a significant portfolio of held-to-maturity bonds shaping its earnings profile. Its business centers on bankin...
Northern Tohoku Banks Open Talks on Strategic Business Integration
Procrea Holdings, The Akita Bank, and The Bank of Iwate have each approved the start of formal discussions on a potential business integration, aiming to form a new regional financial group centered on northern Tohoku. The move builds on more than tw...
Procrea Holdings to Review Reported Business Integration with Regional Banks
Procrea Holdings, Inc. has addressed recent media reports that claimed the company, The Akita Bank, Ltd., and The Bank of Iwate, Ltd. had begun considering a potential business integration. The company clarified that these reports did not originate f...
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: Aug 18, 2026