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FP Partner, Inc.
(7388)
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Rating:66Neutral
Price Target:
¥2,290.00
▼(-2.30% Downside)
Action:Downgraded
Date:08/06/26
The score is anchored by solid financial fundamentals—particularly a conservatively levered balance sheet and strong multi-year profitability—tempered by a recent slowdown in revenue/earnings and a step-down in cash flow. Technical indicators are currently weak (below major moving averages with negative MACD), while valuation is mixed with a strong dividend yield but a relatively high P/E.
Positive Factors
Conservative balance sheet (low leverage)
Very low leverage and a sizable equity base provide durable financial flexibility. This conservatism supports solvency in underwriting cycles, enables steady dividend policy and opportunistic capital deployment, and reduces refinancing and liquidity risk over the medium term.
Negative Factors
Recent revenue and earnings downturn
A clear reversal in top-line and earnings momentum reduces visibility into sustainable growth. Prolonged revenue decline risks eroding scale advantages, pressures margins and could force lower reinvestment or dividend cuts if recovery is slow, harming long-term returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet (low leverage)
Very low leverage and a sizable equity base provide durable financial flexibility. This conservatism supports solvency in underwriting cycles, enables steady dividend policy and opportunistic capital deployment, and reduces refinancing and liquidity risk over the medium term.
Read all positive factors
FP Partner, Inc. (7388) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥53.24B
Dividend Yield4.06%
Average Volume (3M)91.36K
Price to Earnings (P/E)30.1
Beta (1Y)0.43
Revenue Growth-10.43%
EPS Growth-41.79%
CountryJP
Employees2,601
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)76.97
Shares Outstanding23,272,000
10 Day Avg. Volume106,230
30 Day Avg. Volume91,356
Financial Highlights & Ratios
PEG Ratio-0.50
Price to Book (P/B)4.11
Price to Sales (P/S)1.51
P/FCF Ratio50.93
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)73.45
Revenue Forecast (FY)¥31.67B
FP Partner, Inc. Business Overview & Revenue Model
Company Description
FP Partner, Inc. engages in the insurance agency business. It offers financial planning, consultations, product explanations, and contract procedures to individual and corporate customers. The company was founded on December 8, 2009 and is headqua...
FP Partner, Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
86
Very Positive
Cash Flow
68
Positive
| Breakdown | TTM | Nov 2025 | Nov 2024 | Nov 2023 | Nov 2022 | Nov 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 31.27B | 32.10B | 35.62B | 30.56B | 25.61B | 20.92B |
| Gross Profit | 10.29B | 10.67B | 12.15B | 11.65B | 8.81B | 6.16B |
| EBITDA | 3.27B | 3.63B | 5.89B | 5.97B | 4.02B | 1.99B |
| Net Income | 1.77B | 2.04B | 3.90B | 3.95B | 2.37B | 1.22B |
Balance Sheet | ||||||
| Total Assets | 17.91B | 18.40B | 18.53B | 19.15B | 14.27B | 7.88B |
| Cash, Cash Equivalents and Short-Term Investments | 6.17B | 7.52B | 8.76B | 11.96B | 8.85B | 3.09B |
| Total Debt | 1.03B | 1.12B | 590.94M | 644.58M | 649.05M | 1.65B |
| Total Liabilities | 6.84B | 6.58B | 6.69B | 6.50B | 5.61B | 5.18B |
| Stockholders Equity | 11.07B | 11.82B | 11.83B | 12.65B | 8.66B | 2.70B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 953.81M | 2.27B | 3.19B | 3.31B | 1.70B |
| Operating Cash Flow | 0.00 | 2.26B | 4.39B | 3.91B | 3.56B | 1.94B |
| Investing Cash Flow | 0.00 | -1.94B | -2.43B | -805.52M | -365.00M | -257.33M |
| Financing Cash Flow | 0.00 | -1.56B | -5.16B | 2.14M | 2.57B | -617.64M |
FP Partner, Inc. Technical Analysis
Positive
2344.00
Price Trends
2174.42
Positive
2195.67
Positive
2202.29
Positive
Market Momentum
31.85
Negative
68.13
Neutral
86.95
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7388, the sentiment is Positive. The current price of 2344 is above the 20-day moving average (MA) of 2214.30, above the 50-day MA of 2174.42, and above the 200-day MA of 2202.29, indicating a bullish trend. The MACD of 31.85 indicates Negative momentum. The RSI at 68.13 is Neutral, neither overbought nor oversold. The STOCH value of 86.95 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7388.
FP Partner, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ¥85.14B | 17.26 | 10.18% | 6.15% | 18.06% | 17.31% | |
76 Outperform | ¥289.70B | 16.64 | 19.66% | 5.13% | 43.71% | 73.74% | |
66 Neutral | ¥53.24B | 30.08 | ― | 4.61% | -10.43% | -41.79% | |
62 Neutral | ¥88.05B | 19.77 | 12.16% | 3.87% | 226.95% | 70.14% | |
62 Neutral | ¥264.75B | 8.94 | ― | 4.01% | 38.46% | 176.98% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ¥185.61B | 17.31 | 8.98% | 4.18% | 16.13% | ― |
* General Sector Average
JP:7388
FP Partner, Inc.
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FP Partner, Inc. Corporate Events
FP Partner Tightens Compliance and Refines Customer-First Insurance Sales Model
Aug 5, 2026
FP Partner Inc. has introduced a revised comparative recommendation method effective July 2026, moving from an internally criteria-based approach to a process that starts from customer intentions and compares similar insurance products before expl...
FP Partner Bets on Upfront Investments as Sales Recover and Regulatory Pressures Mount
Jul 28, 2026
FP Partner Inc. reported a recovery in net sales for the six months ended May 31, 2026, driven by improving customer acquisition through partner companies and a new alliance with Yamada Denki that is already generating thousands of household leads...
FP Partner Sets Recovery Path with Updated Forecast and Strategy
Jul 15, 2026
FP Partner Inc. released briefing materials covering its financial results for the six months ended May 31, 2026 and highlighted key performance indicators for the period. The company also discussed shareholder returns, its business model and stre...
FP Partner’s Interim Profit Falls Sharply as Full-Year Outlook Is Cut, Dividends Held Steady
Jul 15, 2026
FP Partner Inc. reported interim non-consolidated results for the six months ended May 31, 2026, showing net sales of ¥15,599 million, down 5.1% year on year, and a sharp decline in operating profit to ¥1,076 million, down 27.1%. Profit ...
FP Consulting to Acquire 6.51% Stake in FP Partner Inc. as Stable Shareholder
Jul 15, 2026
FP Partner Inc. has disclosed that FP Consulting LLC, represented by the same executive Tsutomu Kuroki, will acquire 1,500,000 shares in the company from Kuroki on July 16, 2026. The transaction represents 6.51% of total voting rights and qualifie...
FP Partner Tightens Conditions on Shareholder Benefits to Favor Long-Term Holders
Jul 15, 2026
FP Partner Inc. will add a six‑month continuous holding requirement to its semiannual shareholder benefit program starting from the May 31, 2027 record date. The company currently provides Digital Gift® vouchers worth 3,000 yen to share...
FP Partner Cuts Full-Year Earnings Outlook but Holds Dividend Line
Jul 15, 2026
FP Partner Inc. has sharply revised down its full-year earnings forecast for the fiscal year ending November 30, 2026, citing a continuous net decline in sales representatives and weaker customer acquisition through partner companies following pas...
FP Partner Files First Progress Report on Business Improvement Plan Under “NEXT” Initiative
May 15, 2026
FP Partner Inc. reported the latest progress on its business improvement plan, which was originally submitted to the Kanto Local Finance Bureau in October 2025. The company has now filed a first formal progress report covering measures implemented...
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.