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3994.T stock logo

3994.T

Money Forward, Inc.

$4921
24
 (0.49%)
Exchange:  JPX
Market Cap:  272.868B
Shares Outstanding:  49.451M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Software – Application
   
CEO:  Yosuke Tsuji
Full Time Employees:  2597
Address: 
Tamachi Station Tower S
Tokyo
108-0023
JP
Website:  https://www.moneyforward.com
Money Forward, Inc. provides money-related services for individuals and corporations. It offers Money Forward ME, an automatic household account book service; MONEY PLUS for enhancing readers’ money literacy and foster awareness of money; Money Forward Mall, a web portal and platform for comparing and applying for financial services, such as credit cards and securities accounts; mirai talk, a channel to resolve customers financial concerns; and Tock pop, an application specialized in coupon information. The company also provides Money Forward Cloud Accounting, a cloud accounting software; Money Forward Cloud Final Report, a cloud-type final tax return software; Money Forward Cloud Invoice, an invoice creation software; Money Forward Cloud Salary, a salary calculation software; Money Forward Cloud Attendance, a time management service for companies; Money Forward Cloud My Number, a my number management system; Money Forward Cloud Expenses, a cloud-type expense reimbursement system; and Money Forward Cloud Fundraising, a service that provides money forward cloud data to financial institutions. In addition, it offers STREAMED, a software specialized in automating accounting bookkeeping; Manageboard, a cloud service that allows to conduct business analysis by importing accounting software data; MF KESSAI, an inter-company postpaid settlement service; BALES, an inside sales outsourcing and consulting service; BALES CLOUD, a cloud-based inside sales management system; BOXIL that provides various information on prices, specifications, and word-of-mouth reviews of various Software-as-a-Service; and Money Forward X, a group that works with various client issues to create services. The company was formerly known as Moneybook Co. and changed its name to Money Forward, Inc. in December 2012. Money Forward, Inc. was founded in 2012 and is headquartered in Tokyo, Japan.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue30,380,00040,363,00050,349,000
Gross Profit19,082,00027,060,00034,229,000
EBITDA-4,136,196-1,919,3488,685,163
Operating Income-6,329,000-4,735,000-2,653,000
Net Income-6,315,000-6,330,0001,587,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets88,282,410106,191,905127,567,288
Total Liabilities53,621,94461,516,14571,701,930
Total Stockholders Equity28,327,23537,436,41443,844,366
Total Debt30,373,61935,444,86933,849,015
Cash and Cash Equivalents38,855,73345,251,55140,972,997

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Cash Flow Statement

Year202320242025
Operating Cash Flow3,860,996-2,712,5034,096,147
Capital Expenditure-632,850-164,152-779,632
Free Cash Flow3,228,146-2,876,6553,316,515
Net Income-6,315,051-2,617,7061,587,261
Net Change in Cash12,509,1806,393,754-4,277,439

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)93,771,053.154Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)107,464,264.997Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)100,078,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)-8,921,221.391Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)-7,784,469.798Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)-8,308,045.418Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)12,253,535.713Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)14,627,608.154Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)13,347,008.240Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)76,915,060.804Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)88,146,823.551Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)82,088,290.536Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)240.400Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)263.470Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)220.700Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)4Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
5.2
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
60.98
?Enterprise Value
 (TTM)
: 
249.192B  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
-0.01
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.92
?P/B
 (TTM)
: 
6.15  ?Current Ratio
 (TTM)
: 
1.4

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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
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SWOT Analysis

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Intrinsic Value Calculator

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Common questions about 3994.T valuation

Is Money Forward, Inc. (3994.T) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Money Forward, Inc. (3994.T) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is 3994.T a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether 3994.T trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is 3994.T’s P/E ratio?

You can see 3994.T’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for 3994.T?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is 3994.T a good long-term investment?

Whether 3994.T fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

3994.T

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.49
MARKETSnap

Trading Metrics:

Open: 4757   Previous Close: 4897
Day Low: 4618   Day High: 5070
Year Low: 2750.5   Year High: 6794
Price Avg 50: 3662.69   Price Avg 200: 4708.89
Volume: 1.028M   Average Volume: 1.23M

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