Paycloud Holdings Inc. Fundamental Analysis (JPX: 4015.T)
Paycloud Holdings Inc. Fundamental Analysis (JPX: 4015.T)
Paycloud Holdings Inc. (JPX: 4015.T) shows moderate financial fundamentals with a PE ratio of 20.12, profit margin of 3.76%, and ROE of 8.89%. The company generates $11.1B in annual revenue with strong year-over-year growth of 49.33%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 71.4/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze 4015.T's fundamental strength across five key dimensions:
Efficiency Score
Weak4015.T struggles to generate sufficient returns from assets.
Valuation Score
Excellent4015.T trades at attractive valuation levels.
Growth Score
Excellent4015.T delivers strong and consistent growth momentum.
Financial Health Score
Excellent4015.T maintains a strong and stable balance sheet.
Profitability Score
Weak4015.T struggles to sustain strong margins.
Key Financial Metrics
Is 4015.T Expensive or Cheap?
P/E Ratio
4015.T trades at 20.12 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, 4015.T's PEG of 0.11 indicates potential undervaluation.
Price to Book
The market values Paycloud Holdings Inc. at 1.74 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.90 times EBITDA. This is generally considered low.
How Well Does 4015.T Make Money?
Net Profit Margin
For every $100 in sales, Paycloud Holdings Inc. keeps $3.76 as profit after all expenses.
Operating Margin
Core operations generate 7.44 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.89 in profit for every $100 of shareholder equity.
ROA
Paycloud Holdings Inc. generates $4.49 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Paycloud Holdings Inc. produces operating cash flow of $1.40B, showing steady but balanced cash generation.
Free Cash Flow
Paycloud Holdings Inc. generates strong free cash flow of $1.38B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $89.61 in free cash annually.
FCF Yield
4015.T converts 16.87% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
20.12
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.11
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.74
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.74
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.36
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.65
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.15
vs 25 benchmark
How 4015.T Stacks Against Its Sector Peers
| Metric | 4015.T Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 20.12 | 27.18 | Better (Cheaper) |
| ROE | 8.89% | 1167.00% | Weak |
| Net Margin | 3.76% | 45.00% | Weak |
| Debt/Equity | 0.36 | 0.75 | Strong (Low Leverage) |
| Current Ratio | 1.65 | 21.97 | Neutral |
| ROA | 4.49% | -1345434.00% (disorted) | Weak |
4015.T outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Paycloud Holdings Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
229.26%
Industry Style: Cyclical, Value, Infrastructure
High GrowthEPS CAGR
-61.41%
Industry Style: Cyclical, Value, Infrastructure
DecliningFCF CAGR
30.61%
Industry Style: Cyclical, Value, Infrastructure
High Growth