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Fintech Global Incorporated (JP:8789)
:8789
Japanese Market
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Fintech Global Incorporated (8789) AI Stock Analysis

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JP:8789

Fintech Global Incorporated

(8789)

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Neutral 65 (OpenAI - 4o)
Rating:65Neutral
Price Target:
¥116.00
▲(8.41% Upside)
The overall stock score is primarily influenced by strong financial performance, particularly in revenue growth and profitability. However, bearish technical indicators and inconsistent cash flow generation present risks. The valuation is fair, supported by a reasonable P/E ratio and a decent dividend yield.

Fintech Global Incorporated (8789) vs. iShares MSCI Japan ETF (EWJ)

Fintech Global Incorporated Business Overview & Revenue Model

Company DescriptionFintech Global Incorporated (8789) is a leading financial technology firm specializing in innovative solutions that enhance payment processing, digital banking, and financial data analytics. The company operates primarily in the fintech sector, offering a suite of products that includes payment gateways, mobile banking applications, and blockchain-based financial services. Through its advanced technology and user-friendly interfaces, Fintech Global aims to streamline financial transactions for businesses and consumers alike, while ensuring robust security and compliance with regulatory standards.
How the Company Makes MoneyFintech Global Incorporated generates revenue through a diversified model that includes transaction fees from its payment processing services, subscription fees for its SaaS-based digital banking platforms, and licensing fees for its proprietary financial software solutions. Key revenue streams are derived from partnerships with banks, e-commerce platforms, and retail businesses that utilize its technology to enhance their payment systems. Additionally, the company benefits from strategic alliances with technology providers and financial institutions, which expand its market reach and enhance its service offerings. The growing demand for digital financial solutions in various sectors, particularly in emerging markets, further contributes to its earnings potential.

Fintech Global Incorporated Financial Statement Overview

Summary
Fintech Global Incorporated demonstrates strong revenue growth and profitability metrics. The balance sheet is stable with manageable leverage levels, though cash flow management shows potential for improvement, particularly in free cash flow consistency.
Income Statement
85
Very Positive
Fintech Global Incorporated has demonstrated strong revenue growth from the previous year, with a significant increase in total revenue from 2023 to 2024. The company maintains a solid gross profit margin, indicating efficient cost management. The net profit margin and EBIT margin are healthy, showing profitability and operational efficiency. However, there is room for improvement in EBITDA margin to enhance overall profitability.
Balance Sheet
78
Positive
The company's balance sheet reflects a stable financial position with a solid equity base and a moderate debt-to-equity ratio, indicating prudent financial leverage management. The return on equity is impressive, showcasing the company's ability to generate returns for shareholders. However, there is a slight concern regarding the equity ratio which suggests reliance on debt for asset financing.
Cash Flow
70
Positive
The cash flow analysis shows challenges in free cash flow generation, with inconsistent free cash flow figures over the periods analyzed. Despite this, the operating cash flow to net income ratio is strong, suggesting effective cash conversion. Improving free cash flow consistency could enhance the company's financial flexibility.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue14.59B13.81B9.30B9.30B8.11B6.84B
Gross Profit8.53B7.35B5.11B3.99B3.37B2.31B
EBITDA3.71B3.04B1.81B1.15B817.45M-188.58M
Net Income1.80B1.68B1.60B176.13M130.81M-1.19B
Balance Sheet
Total Assets25.97B20.67B19.12B17.93B16.46B16.58B
Cash, Cash Equivalents and Short-Term Investments6.85B5.79B5.77B4.86B3.42B3.29B
Total Debt11.73B7.47B7.65B8.13B7.20B7.62B
Total Liabilities14.47B9.92B9.73B10.09B9.02B9.28B
Stockholders Equity10.51B9.63B8.37B6.64B6.41B6.32B
Cash Flow
Free Cash Flow0.003.16B553.26M-822.85M558.78M393.04M
Operating Cash Flow0.004.06B615.26M-701.85M747.78M680.04M
Investing Cash Flow0.00-547.69M766.65M-141.09M-173.48M-282.68M
Financing Cash Flow0.00-790.51M-538.92M802.98M-360.36M-767.19M

Fintech Global Incorporated Technical Analysis

Technical Analysis Sentiment
Negative
Last Price107.00
Price Trends
50DMA
112.26
Negative
100DMA
109.56
Negative
200DMA
108.78
Negative
Market Momentum
MACD
-2.83
Positive
RSI
34.57
Neutral
STOCH
3.70
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8789, the sentiment is Negative. The current price of 107 is below the 20-day moving average (MA) of 108.70, below the 50-day MA of 112.26, and below the 200-day MA of 108.78, indicating a bearish trend. The MACD of -2.83 indicates Positive momentum. The RSI at 34.57 is Neutral, neither overbought nor oversold. The STOCH value of 3.70 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8789.

Fintech Global Incorporated Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
¥24.03B16.292.33%16.70%22.23%
¥31.02B7.813.33%10.71%14.40%
¥27.34B8.352.50%14.16%-2.14%
¥19.83B12.701.84%-30.94%26.14%
$18.00B11.429.92%3.81%9.73%1.22%
¥20.33B11.372.97%21.87%-19.19%
¥25.17B5.721.64%1.45%73.78%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8789
Fintech Global Incorporated
101.00
23.99
31.15%
JP:3772
Wealth Management Inc
1,108.00
36.33
3.39%
JP:7191
Entrust Inc.
1,073.00
329.63
44.34%
JP:8338
Tsukuba Bank, Ltd.
323.00
100.22
44.99%
JP:8551
Kita-Nippon Bank, Ltd.
3,880.00
1,438.93
58.95%
JP:8772
Asax Co., Ltd.
807.00
91.42
12.78%

Fintech Global Incorporated Corporate Events

FinTech Global Announces Interim Share Repurchase Status
Oct 1, 2025

FinTech Global Incorporated announced the interim status of its share repurchase program, initially resolved by its Board of Directors on May 9, 2025. As of September 30, 2025, the company has repurchased 431,800 shares for a total of 52,197,200 yen, as part of a larger plan to repurchase up to 2,500,000 shares by October 31, 2025. This strategic move is likely aimed at enhancing shareholder value and optimizing the capital structure.

The most recent analyst rating on (JP:8789) stock is a Buy with a Yen123.00 price target. To see the full list of analyst forecasts on Fintech Global Incorporated stock, see the JP:8789 Stock Forecast page.

FinTech Global Announces Interim Status of Share Repurchase Program
Sep 1, 2025

FinTech Global Incorporated has announced the interim status of its share repurchase program, which was resolved by the Board of Directors in May 2025. As of August 31, 2025, the company has repurchased 470,700 shares for a total of 53,121,000 yen, as part of a larger plan to repurchase up to 2,500,000 shares by October 31, 2025. This move is part of FGI’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (JP:8789) stock is a Buy with a Yen123.00 price target. To see the full list of analyst forecasts on Fintech Global Incorporated stock, see the JP:8789 Stock Forecast page.

FinTech Global Reports Strong Revenue Gains from Private Equity Investments
Aug 8, 2025

FinTech Global Incorporated announced significant revenue gains from its private equity investments, reporting ¥1.7 billion in the third quarter and projecting ¥700 million in the fourth quarter of fiscal 2025. The company has revised its revenue forecast for the year to ¥5.0 billion, up from ¥4.3 billion, indicating a positive impact on operating income. Additionally, FGI secured first negotiating rights on large private equity deals, which are expected to boost operating income by over 30% in fiscal 2026.

FinTech Global Books Extraordinary Loss Amid Strategic Investments
Aug 8, 2025

FinTech Global Incorporated has announced the booking of an extraordinary loss of ¥505 million due to a provision for doubtful accounts related to new projects aimed at generating additional revenue. Despite this setback, the company remains committed to robust investment activities with a focus on medium- to long-term growth and profitability, indicating a strategic approach to risk management and future development.

FinTech Global Revises Fiscal 2025 Forecast Amid Strong Investment Growth
Aug 8, 2025

FinTech Global Incorporated has revised its consolidated performance forecast for fiscal 2025, reflecting a positive outlook due to steady expansion in private equity investments and better-than-expected performance in fund formation and aircraft operating lease activities. Despite an upward revision in revenue, operating income, and ordinary profit forecasts, the profit attributable to owners remains unchanged due to anticipated higher expenses and an extraordinary loss, maintaining the year-end dividend at ¥3 per share.

FinTech Global Reports Strong Operational Performance in Fiscal 2025
Aug 8, 2025

FinTech Global Incorporated reported its consolidated financial results for the first three quarters of fiscal 2025, showing an 8.1% increase in revenues compared to the previous year. Despite a slight decrease in profit attributable to owners of the parent, the company experienced significant growth in operating income and ordinary profit, indicating strong operational performance and potential for future growth.

FinTech Global Announces Interim Share Repurchase Status
Aug 1, 2025

FinTech Global Incorporated announced the interim status of its share repurchase program, initially resolved in May 2025. The company has repurchased 393,900 shares for 42,880,600 yen as of July 31, 2025, with a total repurchase plan of up to 2,500,000 shares by October 31, 2025. This move is part of FGI’s strategy to enhance shareholder value and optimize its capital structure.

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.Date of analysis: Oct 15, 2025