View Future GrowthMoney Forward 과거 순이익 실적과거 기준 점검 2/6Money Forward은 연평균 3.1%의 비율로 수입이 증가해 온 반면, Software 산업은 수입이 10.4% 증가했습니다. 매출은 연평균 27.9%의 비율로 증가했습니다. Money Forward의 자기자본이익률은 8.1%이고 순이익률은 8.5%입니다.핵심 정보3.13%순이익 성장률4.09%주당순이익(EPS) 성장률Software 산업 성장률14.88%매출 성장률27.92%자기자본이익률8.14%순이익률8.51%최근 순이익 업데이트28 Feb 2026최근 과거 실적 업데이트공지 • Apr 07Money Forward, Inc. to Report Q1, 2026 Results on Apr 14, 2026Money Forward, Inc. announced that they will report Q1, 2026 results on Apr 14, 2026공지 • Apr 03Money Forward, Inc. to Report Fiscal Year 2025 Results on Jan 14, 2026Money Forward, Inc. announced that they will report fiscal year 2025 results on Jan 14, 2026공지 • Feb 16Money Forward, Inc. to Report Q3, 2025 Results on Oct 15, 2025Money Forward, Inc. announced that they will report Q3, 2025 results on Oct 15, 2025공지 • Feb 15+ 1 more updateMoney Forward, Inc. to Report Q1, 2025 Results on Apr 14, 2025Money Forward, Inc. announced that they will report Q1, 2025 results on Apr 14, 2025공지 • Nov 01Money Forward, Inc. to Report Fiscal Year 2024 Results on Jan 14, 2025Money Forward, Inc. announced that they will report fiscal year 2024 results on Jan 14, 2025Reported Earnings • Oct 17Third quarter 2024 earnings released: JP¥20.45 loss per share (vs JP¥28.73 loss in 3Q 2023)Third quarter 2024 results: JP¥20.45 loss per share (improved from JP¥28.73 loss in 3Q 2023). Revenue: JP¥9.81b (up 31% from 3Q 2023). Net loss: JP¥1.11b (loss narrowed 28% from 3Q 2023). Revenue is forecast to grow 21% p.a. on average during the next 3 years, compared to a 9.8% growth forecast for the Software industry in Germany.모든 업데이트 보기Recent updates공지 • Apr 07Money Forward, Inc. to Report Q1, 2026 Results on Apr 14, 2026Money Forward, Inc. announced that they will report Q1, 2026 results on Apr 14, 2026공지 • Jan 29Money Forward, Inc. Revises Full-Year Consolidated Financial Forecasts for the Fiscal Year Ending November 2026Money Forward, Inc. revised its full-year consolidated financial forecasts for the fiscal year ending November 2026 (December 1, 2025 November 30, 2026), originally announced on January 14, 2026. This revision is due to the recording of extraordinary income in the first quarter of the fiscal year ending November 2026, as described in the "Notice Regarding Expected Recording of Extraordinary Income (Gain on Sale of Investment Securities)" announced on January 27, 2026. Reason for the Revision The Company is revising its full-year financial forecasts because profit attributable to owners of parent is expected to exceed the previous forecast due to the recording of extraordinary income (gain on sale of investment securities). For the year, company expected net sales to be JPY 53,400 million to JPY 57,550 million. Operating profit to be between a loss of JPY 2,500 million to a profit of JPY 500 million. Loss attributable to owners of parent to be between JPY 3,700 million to JPY 700 million. Loss per share to be JPY 66.59 to JPY 12.60 as compared to previous guidance of net sales to be JPY 53,400 million to JPY 57,550 million. Operating profit to be between a loss of JPY 2,500 million to a profit of JPY 500 million. Loss attributable to owners of parent to be between JPY 5,200 million to JPY 2,200 million. Loss per share to be JPY 93.58 to JPY 39.59.공지 • Jan 27Money Forward, Inc. Announces Retirement of Directors, Effective in February 2026Money Forward, Inc. announced that Masaaki Tanaka and Akira Kurabayashi will retire upon the conclusion of the 14th Annual General Meeting of Shareholders to be held in February 2026 due to the expiration of their terms of office.공지 • Jan 14+ 1 more updateMoney Forward, Inc., Annual General Meeting, Feb 26, 2026Money Forward, Inc., Annual General Meeting, Feb 26, 2026.공지 • Nov 28Money Forward, Inc. Announces Board RetirementsMoney Forward, Inc. announced that Masaaki Tanaka, Akira Kurabayashi, and Hiroaki Yasutake will retire upon the conclusion of the 14th Annual General Meeting of Shareholders due to the expiration of their terms of office. To ensure the independence of External Directors, the Company has established a guideline limiting the cumulative term of Independent External Directors to 6 terms (6 years) as a general rule, while not precluding re-election for up to a maximum of 8 terms (8 years) (the "Cumulative Term Rule"). Furthermore, if a director is 72 years of age at the conclusion of an Annual General Meeting of Shareholders, they shall retire at the conclusion of said meeting (the "Age Limit Rule"). Masaaki Tanaka exceeds the Cumulative Term Rule and is subject to the Age Limit Rule, and Akira Kurabayashi exceeds the Cumulative Term Rule; therefore, they will retire.공지 • Apr 15Money Forward, Inc. (TSE:3994) agreed to acquire remaining stake in Biz Forward, Inc. from MUFG Bank, Ltd. and Mitsubishi UFJ Factors Limited.Money Forward, Inc. (TSE:3994) agreed to acquire remaining stake in Biz Forward, Inc. from MUFG Bank, Ltd. and Mitsubishi UFJ Factors Limited on April 14, 2025.공지 • Apr 03Money Forward, Inc. to Report Fiscal Year 2025 Results on Jan 14, 2026Money Forward, Inc. announced that they will report fiscal year 2025 results on Jan 14, 2026공지 • Apr 01Sony Life Insurance Co., Ltd. and Sumitomo Mitsui Card Co., Ltd. completed the acquisition of 90% stake in Nexsol CO., LTD from Money Forward, Inc. (TSE:3994).Sony Life Insurance Co., Ltd. and Sumitomo Mitsui Card Co., Ltd. agreed to acquire 90% stake in Nexsol CO., LTD from Money Forward, Inc. (TSE:3994) on February 27, 2025. Sony Life Insurance Co., Ltd. and Sumitomo Mitsui Card Co., Ltd. completed the acquisition of 90% stake in Nexsol CO., LTD from Money Forward, Inc. (TSE:3994) on March 31, 2025.공지 • Mar 31Money Forward, Inc. Revises Earnings Guidance for the Fiscal Year Ending November 30, 2025Money Forward, Inc. revised earnings guidance for the fiscal year ending November 30, 2025. For the year, the company expects net sales to be in the range of JPY 49,500 million to JPY 52,100 million against previous guidance range of JPY 50,000 million to JPY 52,600 million. Operating loss to be in the range of JPY 4,700 million to JPY 2,300 million against previous guidance range of JPY 4,700 million to JPY 2,300 million. Loss attributable to owners of parent to be in the range of JPY 6,800 million to JPY 4,400 million against previous guidance range of JPY 6,800 million to JPY 4,400 million. Net loss per share to be in the range of JPY 123.86 to JPY 80.15 against previous guidance range of JPY 123.86 to JPY 80.15. After the Share Transfer, Nexsol Co. Ltd. will be excluded from the Company's scope of consolidation. Accompanying the Share Transfer, a revision will be made to the net sales forecast for the fiscal year 2025 (from December 1, 2024, to November 30, 2025).공지 • Feb 16Money Forward, Inc. to Report Q3, 2025 Results on Oct 15, 2025Money Forward, Inc. announced that they will report Q3, 2025 results on Oct 15, 2025공지 • Feb 15+ 1 more updateMoney Forward, Inc. to Report Q1, 2025 Results on Apr 14, 2025Money Forward, Inc. announced that they will report Q1, 2025 results on Apr 14, 2025공지 • Jan 14Money Forward, Inc., Annual General Meeting, Feb 25, 2025Money Forward, Inc., Annual General Meeting, Feb 25, 2025.공지 • Nov 27Yozo Ueda to Resign as External Audit & Supervisory Board Member of Money Forward, IncMoney Forward, Inc. announced audit & supervisory board member to resign: Yozo Ueda; Current Position: External Audit & Supervisory Board member.공지 • Nov 01Money Forward, Inc. to Report Fiscal Year 2024 Results on Jan 14, 2025Money Forward, Inc. announced that they will report fiscal year 2024 results on Jan 14, 2025Reported Earnings • Oct 17Third quarter 2024 earnings released: JP¥20.45 loss per share (vs JP¥28.73 loss in 3Q 2023)Third quarter 2024 results: JP¥20.45 loss per share (improved from JP¥28.73 loss in 3Q 2023). Revenue: JP¥9.81b (up 31% from 3Q 2023). Net loss: JP¥1.11b (loss narrowed 28% from 3Q 2023). Revenue is forecast to grow 21% p.a. on average during the next 3 years, compared to a 9.8% growth forecast for the Software industry in Germany.공지 • Oct 15Money Forward, Inc. Provides Consolidated Earnings Forecast for the Fiscal Year Ending November 30, 2024Money Forward, Inc. provided consolidated earnings forecast for the Fiscal Year Ending November 30, 2024. For the period, the company expects net sales between JPY 39,500 million to JPY 42,000 million. Operating loss of JPY 3,898 million to JPY 1,898 million. Loss attributable to owners of parent of JPY 4,725 million to JPY 2,725 million. Loss per share of JPY 86.92 to JPY 50.13.Reported Earnings • Jul 15Second quarter 2024 earnings released: JP¥23.51 loss per share (vs JP¥31.06 loss in 2Q 2023)Second quarter 2024 results: JP¥23.51 loss per share (improved from JP¥31.06 loss in 2Q 2023). Revenue: JP¥10.3b (up 41% from 2Q 2023). Net loss: JP¥1.28b (loss narrowed 24% from 2Q 2023). Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 9.8% growth forecast for the Software industry in Germany.New Risk • Jun 07New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.Buy Or Sell Opportunity • May 16Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 1.7% to €35.00. The fair value is estimated to be €43.86, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 32% over the last 3 years. Earnings per share has declined by 43%. Revenue is forecast to grow by 33% in a year. Earnings are forecast to grow by 76% in the next year.Reported Earnings • Apr 14First quarter 2024 earnings released: JP¥24.32 loss per share (vs JP¥31.71 loss in 1Q 2023)First quarter 2024 results: JP¥24.32 loss per share (improved from JP¥31.71 loss in 1Q 2023). Revenue: JP¥9.54b (up 41% from 1Q 2023). Net loss: JP¥1.32b (loss narrowed 23% from 1Q 2023). Revenue is forecast to grow 22% p.a. on average during the next 3 years, compared to a 9.5% growth forecast for the Software industry in Germany.공지 • Apr 01Money Forward, Inc. (TSE:3994) agreed to acquire 20.3% stake in Caster Co.Ltd. (TSE:9331) from various investor for ¥470 million.Money Forward, Inc. (TSE:3994) agreed to acquire 20.3% stake in Caster Co.Ltd. (TSE:9331) from various investor for ¥470 million on April 1, 2024.Board Change • Mar 21High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Outside Director Yukino Kikuma was the last director to join the board, commencing their role in 2024. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Jan 15Full year 2023 earnings released: JP¥117 loss per share (vs JP¥176 loss in FY 2022)Full year 2023 results: JP¥117 loss per share (improved from JP¥176 loss in FY 2022). Revenue: JP¥30.4b (up 42% from FY 2022). Net loss: JP¥6.32b (loss narrowed 33% from FY 2022). Revenue is forecast to grow 22% p.a. on average during the next 3 years, compared to a 7.7% growth forecast for the Software industry in Germany.공지 • Jan 14Money Forward, Inc., Annual General Meeting, Feb 28, 2024Money Forward, Inc., Annual General Meeting, Feb 28, 2024.공지 • Dec 21Money Forward, Inc. Announces Etsuko Okajima to Resign as External DirectorMoney Forward, Inc. announced resignation of Etsuko Okajima as External Director upon the conclusion of the 12th Annual General Meeting of Shareholders.공지 • Nov 02+ 2 more updatesMoney Forward, Inc. to Report Q3, 2024 Results on Oct 11, 2024Money Forward, Inc. announced that they will report Q3, 2024 results on Oct 11, 2024공지 • Nov 01Money Forward, Inc. to Report Fiscal Year 2023 Results on Jan 12, 2024Money Forward, Inc. announced that they will report fiscal year 2023 results on Jan 12, 2024New Risk • Oct 18New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.공지 • Oct 17Money Forward, Inc. Announces Consolidated Earnings Forecast for the Fourth Quarter Ending November 30, 2023Money Forward, Inc. announced consolidated earnings forecast for the fourth quarter ending November 30, 2023. For the year ending November 30, 2023, the company expects net sales of JPY 8,054 million to JPY 8,699 million. Operating loss of JPY 2,100 million to JPY 1,600 million. Loss attributable to owners of parent of JPY 2,200 million to JPY 1,700 million. Loss per share of JPY 40.65 to JPY 31.41.Reported Earnings • Oct 15Third quarter 2023 earnings released: JP¥28.73 loss per share (vs JP¥64.46 loss in 3Q 2022)Third quarter 2023 results: JP¥28.73 loss per share (improved from JP¥64.46 loss in 3Q 2022). Revenue: JP¥7.50b (up 37% from 3Q 2022). Net loss: JP¥1.55b (loss narrowed 55% from 3Q 2022). Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 7.3% growth forecast for the Software industry in Germany.공지 • Oct 13Money Forward, Inc. Revises Consolidated Earnings Guidance for the Year Ending November 30, 2023Money Forward, Inc. revised consolidated earnings guidance for the year ending November 30, 2023. For the year ending November 30, 2023, the company expects net sales of JPY 29,639 million to JPY 30,283 million compared to previous guidance of JPY 29,209 million to JPY 30,283 million. Operating profit of JPY 6,665 million to JPY 6,165 million. Profit attributable to owners of parent of JPY 7,136 million to JPY 6,636 million. Earnings per share of JPY 132.19 to JPY 122.92.Reported Earnings • Jul 20Second quarter 2023 earnings released: JP¥31.06 loss per share (vs JP¥41.49 loss in 2Q 2022)Second quarter 2023 results: JP¥31.06 loss per share (improved from JP¥41.49 loss in 2Q 2022). Revenue: JP¥7.30b (up 44% from 2Q 2022). Net loss: JP¥1.68b (loss narrowed 25% from 2Q 2022). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 6.9% growth forecast for the Software industry in Germany.Breakeven Date Change • Jul 19The 10 analysts covering Money Forward previously expected the company to break even in 2025. New consensus forecast suggests losses will reduce by 47% per year to 2024. The company is expected to make a profit of JP¥2.16b in 2025.Reported Earnings • Apr 16First quarter 2023 earnings released: JP¥31.71 loss per share (vs JP¥31.27 loss in 1Q 2022)First quarter 2023 results: JP¥31.71 loss per share (further deteriorated from JP¥31.27 loss in 1Q 2022). Revenue: JP¥6.79b (up 43% from 1Q 2022). Net loss: JP¥1.71b (loss widened 2.2% from 1Q 2022). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 7.0% growth forecast for the Software industry in Germany.Buying Opportunity • Mar 31Now 20% undervaluedOver the last 90 days, the stock is up 14%. The fair value is estimated to be €40.44, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 34% over the last 3 years. Earnings per share has declined by 48%. Revenue is forecast to grow by 70% in 2 years. Earnings is forecast to grow by 72% in the next 2 years.Breakeven Date Change • Jan 26Forecast to breakeven in 2025The 11 analysts covering Money Forward expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 61% per year to 2024. The company is expected to make a profit of JP¥1.81b in 2025. Average annual earnings growth of 77% is required to achieve expected profit on schedule.Breakeven Date Change • Jan 25Forecast to breakeven in 2025The 11 analysts covering Money Forward expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of JP¥1.99b in 2025. Average annual earnings growth of 78% is required to achieve expected profit on schedule.공지 • Jan 21Money Forward, Inc. Provides Earnings Guidance for the First Quarter Ending February 28, 2023 and Fiscal Year 2023Money Forward, Inc. provided earnings guidance for the first quarter ending February 28, 2023 and fiscal year 2023. For the quarter, the company expects net sales of ¥6,278 million to ¥6,563 million, operating loss of ¥2,569 million to ¥2,069 million, loss attributable to owners of parent of ¥2,585 million to ¥2,085 million and loss per share of ¥48.07 to ¥38.77.For the year, the company expects net sales of ¥27,491 million to ¥29,639 million.Reported Earnings • Jan 17Full year 2022 earnings released: JP¥176 loss per share (vs JP¥29.97 loss in FY 2021)Full year 2022 results: JP¥176 loss per share (further deteriorated from JP¥29.97 loss in FY 2021). Revenue: JP¥21.5b (up 37% from FY 2021). Net loss: JP¥9.45b (loss widened JP¥7.97b from FY 2021). Revenue is forecast to grow 21% p.a. on average during the next 3 years, compared to a 8.1% growth forecast for the Software industry in Germany.공지 • Jan 16Money Forward, Inc., Annual General Meeting, Feb 22, 2023Money Forward, Inc., Annual General Meeting, Feb 22, 2023. Agenda: To consider the Reduction of Legal Capital Surplus and Appropriation of Surplus.Breakeven Date Change • Dec 01Forecast to breakeven in 2025The 12 analysts covering Money Forward expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of JP¥477.0m in 2025. Average annual earnings growth of 68% is required to achieve expected profit on schedule.공지 • Nov 10+ 2 more updatesMoney Forward, Inc. to Report Q3, 2023 Results on Oct 13, 2023Money Forward, Inc. announced that they will report Q3, 2023 results on Oct 13, 2023공지 • Nov 01Money Forward, Inc. to Report Fiscal Year 2022 Results on Jan 16, 2023Money Forward, Inc. announced that they will report fiscal year 2022 results on Jan 16, 2023Buying Opportunity • Oct 18Now 24% undervaluedOver the last 90 days, the stock is up 1.9%. The fair value is estimated to be €28.29, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 35% over the last 3 years. Earnings per share has declined by 29%. Revenue is forecast to grow by 73% in 2 years. Earnings is forecast to grow by 71% in the next 2 years.Breakeven Date Change • Jul 21No longer forecast to breakevenThe 13 analysts covering Money Forward no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of JP¥444.5m in 2024. New consensus forecast suggests the company will make a loss of JP¥31.0m in 2024.Reported Earnings • Jul 15Second quarter 2022 earnings released: JP¥41.49 loss per share (vs JP¥0.92 loss in 2Q 2021)Second quarter 2022 results: JP¥41.49 loss per share (down from JP¥0.92 loss in 2Q 2021). Revenue: JP¥5.09b (up 27% from 2Q 2021). Net loss: JP¥2.22b (loss widened JP¥2.18b from 2Q 2021). Over the next year, revenue is forecast to grow 36%, compared to a 8.4% growth forecast for the industry in Germany.매출 및 비용 세부 내역Money Forward가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이DB:47D 매출, 비용 및 순이익 (JPY Millions)날짜매출순이익일반관리비연구개발비28 Feb 2653,3134,53538,759030 Nov 2550,3491,58735,798031 Aug 2545,997-6,00334,942031 May 2543,736-5,93033,694028 Feb 2542,527-6,13132,870030 Nov 2440,363-6,33031,674031 Aug 2438,469-5,09129,803031 May 2436,157-5,53128,375029 Feb 2433,133-5,92826,835030 Nov 2330,380-6,31525,200031 Aug 2327,765-7,03923,994031 May 2325,723-8,94323,708028 Feb 2323,513-9,48622,936030 Nov 2221,477-9,44921,821031 Aug 2219,635-8,06919,405031 May 2218,013-5,38916,699028 Feb 2216,921-3,21414,200030 Nov 2115,632-1,48211,880031 Aug 2114,641-1,62011,572031 May 2113,564-1,12910,647028 Feb 2112,391-1,70310,216030 Nov 2011,318-2,42310,053031 Aug 2010,186-2,0908,746031 May 209,312-2,1138,077029 Feb 208,152-2,0747,229030 Nov 197,156-2,5726,660031 Aug 196,408-2,3335,847031 May 195,656-2,3165,277028 Feb 195,086-1,8414,486030 Nov 184,594-8153,489031 Aug 184,091-6263,192031 May 183,693-3912,790028 Feb 183,203-6282,727030 Nov 172,899-8422,7370양질의 수익: 47D는 ¥7.5B 규모의 큰 일회성 이익이 있어 28th February, 2026까지 지난 12개월 재무 결과에 영향을 미쳤습니다.이익 마진 증가: 47D는 과거에 흑자전환했습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: 47D는 지난 5년 동안 흑자전환하며 연평균 3.1%의 수익 성장을 기록했습니다.성장 가속화: 47D는 지난해 흑자전환하여 5년 평균과 수익 성장률을 비교하기 어렵습니다.수익 대 산업: 47D는 지난해 흑자전환하여 지난 해 수익 성장률을 Software 업계(26.7%)와 비교하기 어렵습니다.자기자본이익률높은 ROE: 47D의 자본 수익률(8.1%)은 낮음으로 평가됩니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YSoftware 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/07 22:29종가2026/05/07 00:00수익2026/02/28연간 수익2025/11/30데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Money Forward, Inc.는 15명의 분석가가 다루고 있습니다. 이 중 9명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Keiichi YoneshimaCitigroup IncHideo NodaCLSAJunichi ShimizuDeutsche Bank12명의 분석가 더 보기
공지 • Apr 07Money Forward, Inc. to Report Q1, 2026 Results on Apr 14, 2026Money Forward, Inc. announced that they will report Q1, 2026 results on Apr 14, 2026
공지 • Apr 03Money Forward, Inc. to Report Fiscal Year 2025 Results on Jan 14, 2026Money Forward, Inc. announced that they will report fiscal year 2025 results on Jan 14, 2026
공지 • Feb 16Money Forward, Inc. to Report Q3, 2025 Results on Oct 15, 2025Money Forward, Inc. announced that they will report Q3, 2025 results on Oct 15, 2025
공지 • Feb 15+ 1 more updateMoney Forward, Inc. to Report Q1, 2025 Results on Apr 14, 2025Money Forward, Inc. announced that they will report Q1, 2025 results on Apr 14, 2025
공지 • Nov 01Money Forward, Inc. to Report Fiscal Year 2024 Results on Jan 14, 2025Money Forward, Inc. announced that they will report fiscal year 2024 results on Jan 14, 2025
Reported Earnings • Oct 17Third quarter 2024 earnings released: JP¥20.45 loss per share (vs JP¥28.73 loss in 3Q 2023)Third quarter 2024 results: JP¥20.45 loss per share (improved from JP¥28.73 loss in 3Q 2023). Revenue: JP¥9.81b (up 31% from 3Q 2023). Net loss: JP¥1.11b (loss narrowed 28% from 3Q 2023). Revenue is forecast to grow 21% p.a. on average during the next 3 years, compared to a 9.8% growth forecast for the Software industry in Germany.
공지 • Apr 07Money Forward, Inc. to Report Q1, 2026 Results on Apr 14, 2026Money Forward, Inc. announced that they will report Q1, 2026 results on Apr 14, 2026
공지 • Jan 29Money Forward, Inc. Revises Full-Year Consolidated Financial Forecasts for the Fiscal Year Ending November 2026Money Forward, Inc. revised its full-year consolidated financial forecasts for the fiscal year ending November 2026 (December 1, 2025 November 30, 2026), originally announced on January 14, 2026. This revision is due to the recording of extraordinary income in the first quarter of the fiscal year ending November 2026, as described in the "Notice Regarding Expected Recording of Extraordinary Income (Gain on Sale of Investment Securities)" announced on January 27, 2026. Reason for the Revision The Company is revising its full-year financial forecasts because profit attributable to owners of parent is expected to exceed the previous forecast due to the recording of extraordinary income (gain on sale of investment securities). For the year, company expected net sales to be JPY 53,400 million to JPY 57,550 million. Operating profit to be between a loss of JPY 2,500 million to a profit of JPY 500 million. Loss attributable to owners of parent to be between JPY 3,700 million to JPY 700 million. Loss per share to be JPY 66.59 to JPY 12.60 as compared to previous guidance of net sales to be JPY 53,400 million to JPY 57,550 million. Operating profit to be between a loss of JPY 2,500 million to a profit of JPY 500 million. Loss attributable to owners of parent to be between JPY 5,200 million to JPY 2,200 million. Loss per share to be JPY 93.58 to JPY 39.59.
공지 • Jan 27Money Forward, Inc. Announces Retirement of Directors, Effective in February 2026Money Forward, Inc. announced that Masaaki Tanaka and Akira Kurabayashi will retire upon the conclusion of the 14th Annual General Meeting of Shareholders to be held in February 2026 due to the expiration of their terms of office.
공지 • Jan 14+ 1 more updateMoney Forward, Inc., Annual General Meeting, Feb 26, 2026Money Forward, Inc., Annual General Meeting, Feb 26, 2026.
공지 • Nov 28Money Forward, Inc. Announces Board RetirementsMoney Forward, Inc. announced that Masaaki Tanaka, Akira Kurabayashi, and Hiroaki Yasutake will retire upon the conclusion of the 14th Annual General Meeting of Shareholders due to the expiration of their terms of office. To ensure the independence of External Directors, the Company has established a guideline limiting the cumulative term of Independent External Directors to 6 terms (6 years) as a general rule, while not precluding re-election for up to a maximum of 8 terms (8 years) (the "Cumulative Term Rule"). Furthermore, if a director is 72 years of age at the conclusion of an Annual General Meeting of Shareholders, they shall retire at the conclusion of said meeting (the "Age Limit Rule"). Masaaki Tanaka exceeds the Cumulative Term Rule and is subject to the Age Limit Rule, and Akira Kurabayashi exceeds the Cumulative Term Rule; therefore, they will retire.
공지 • Apr 15Money Forward, Inc. (TSE:3994) agreed to acquire remaining stake in Biz Forward, Inc. from MUFG Bank, Ltd. and Mitsubishi UFJ Factors Limited.Money Forward, Inc. (TSE:3994) agreed to acquire remaining stake in Biz Forward, Inc. from MUFG Bank, Ltd. and Mitsubishi UFJ Factors Limited on April 14, 2025.
공지 • Apr 03Money Forward, Inc. to Report Fiscal Year 2025 Results on Jan 14, 2026Money Forward, Inc. announced that they will report fiscal year 2025 results on Jan 14, 2026
공지 • Apr 01Sony Life Insurance Co., Ltd. and Sumitomo Mitsui Card Co., Ltd. completed the acquisition of 90% stake in Nexsol CO., LTD from Money Forward, Inc. (TSE:3994).Sony Life Insurance Co., Ltd. and Sumitomo Mitsui Card Co., Ltd. agreed to acquire 90% stake in Nexsol CO., LTD from Money Forward, Inc. (TSE:3994) on February 27, 2025. Sony Life Insurance Co., Ltd. and Sumitomo Mitsui Card Co., Ltd. completed the acquisition of 90% stake in Nexsol CO., LTD from Money Forward, Inc. (TSE:3994) on March 31, 2025.
공지 • Mar 31Money Forward, Inc. Revises Earnings Guidance for the Fiscal Year Ending November 30, 2025Money Forward, Inc. revised earnings guidance for the fiscal year ending November 30, 2025. For the year, the company expects net sales to be in the range of JPY 49,500 million to JPY 52,100 million against previous guidance range of JPY 50,000 million to JPY 52,600 million. Operating loss to be in the range of JPY 4,700 million to JPY 2,300 million against previous guidance range of JPY 4,700 million to JPY 2,300 million. Loss attributable to owners of parent to be in the range of JPY 6,800 million to JPY 4,400 million against previous guidance range of JPY 6,800 million to JPY 4,400 million. Net loss per share to be in the range of JPY 123.86 to JPY 80.15 against previous guidance range of JPY 123.86 to JPY 80.15. After the Share Transfer, Nexsol Co. Ltd. will be excluded from the Company's scope of consolidation. Accompanying the Share Transfer, a revision will be made to the net sales forecast for the fiscal year 2025 (from December 1, 2024, to November 30, 2025).
공지 • Feb 16Money Forward, Inc. to Report Q3, 2025 Results on Oct 15, 2025Money Forward, Inc. announced that they will report Q3, 2025 results on Oct 15, 2025
공지 • Feb 15+ 1 more updateMoney Forward, Inc. to Report Q1, 2025 Results on Apr 14, 2025Money Forward, Inc. announced that they will report Q1, 2025 results on Apr 14, 2025
공지 • Jan 14Money Forward, Inc., Annual General Meeting, Feb 25, 2025Money Forward, Inc., Annual General Meeting, Feb 25, 2025.
공지 • Nov 27Yozo Ueda to Resign as External Audit & Supervisory Board Member of Money Forward, IncMoney Forward, Inc. announced audit & supervisory board member to resign: Yozo Ueda; Current Position: External Audit & Supervisory Board member.
공지 • Nov 01Money Forward, Inc. to Report Fiscal Year 2024 Results on Jan 14, 2025Money Forward, Inc. announced that they will report fiscal year 2024 results on Jan 14, 2025
Reported Earnings • Oct 17Third quarter 2024 earnings released: JP¥20.45 loss per share (vs JP¥28.73 loss in 3Q 2023)Third quarter 2024 results: JP¥20.45 loss per share (improved from JP¥28.73 loss in 3Q 2023). Revenue: JP¥9.81b (up 31% from 3Q 2023). Net loss: JP¥1.11b (loss narrowed 28% from 3Q 2023). Revenue is forecast to grow 21% p.a. on average during the next 3 years, compared to a 9.8% growth forecast for the Software industry in Germany.
공지 • Oct 15Money Forward, Inc. Provides Consolidated Earnings Forecast for the Fiscal Year Ending November 30, 2024Money Forward, Inc. provided consolidated earnings forecast for the Fiscal Year Ending November 30, 2024. For the period, the company expects net sales between JPY 39,500 million to JPY 42,000 million. Operating loss of JPY 3,898 million to JPY 1,898 million. Loss attributable to owners of parent of JPY 4,725 million to JPY 2,725 million. Loss per share of JPY 86.92 to JPY 50.13.
Reported Earnings • Jul 15Second quarter 2024 earnings released: JP¥23.51 loss per share (vs JP¥31.06 loss in 2Q 2023)Second quarter 2024 results: JP¥23.51 loss per share (improved from JP¥31.06 loss in 2Q 2023). Revenue: JP¥10.3b (up 41% from 2Q 2023). Net loss: JP¥1.28b (loss narrowed 24% from 2Q 2023). Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 9.8% growth forecast for the Software industry in Germany.
New Risk • Jun 07New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
Buy Or Sell Opportunity • May 16Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 1.7% to €35.00. The fair value is estimated to be €43.86, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 32% over the last 3 years. Earnings per share has declined by 43%. Revenue is forecast to grow by 33% in a year. Earnings are forecast to grow by 76% in the next year.
Reported Earnings • Apr 14First quarter 2024 earnings released: JP¥24.32 loss per share (vs JP¥31.71 loss in 1Q 2023)First quarter 2024 results: JP¥24.32 loss per share (improved from JP¥31.71 loss in 1Q 2023). Revenue: JP¥9.54b (up 41% from 1Q 2023). Net loss: JP¥1.32b (loss narrowed 23% from 1Q 2023). Revenue is forecast to grow 22% p.a. on average during the next 3 years, compared to a 9.5% growth forecast for the Software industry in Germany.
공지 • Apr 01Money Forward, Inc. (TSE:3994) agreed to acquire 20.3% stake in Caster Co.Ltd. (TSE:9331) from various investor for ¥470 million.Money Forward, Inc. (TSE:3994) agreed to acquire 20.3% stake in Caster Co.Ltd. (TSE:9331) from various investor for ¥470 million on April 1, 2024.
Board Change • Mar 21High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Outside Director Yukino Kikuma was the last director to join the board, commencing their role in 2024. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Jan 15Full year 2023 earnings released: JP¥117 loss per share (vs JP¥176 loss in FY 2022)Full year 2023 results: JP¥117 loss per share (improved from JP¥176 loss in FY 2022). Revenue: JP¥30.4b (up 42% from FY 2022). Net loss: JP¥6.32b (loss narrowed 33% from FY 2022). Revenue is forecast to grow 22% p.a. on average during the next 3 years, compared to a 7.7% growth forecast for the Software industry in Germany.
공지 • Jan 14Money Forward, Inc., Annual General Meeting, Feb 28, 2024Money Forward, Inc., Annual General Meeting, Feb 28, 2024.
공지 • Dec 21Money Forward, Inc. Announces Etsuko Okajima to Resign as External DirectorMoney Forward, Inc. announced resignation of Etsuko Okajima as External Director upon the conclusion of the 12th Annual General Meeting of Shareholders.
공지 • Nov 02+ 2 more updatesMoney Forward, Inc. to Report Q3, 2024 Results on Oct 11, 2024Money Forward, Inc. announced that they will report Q3, 2024 results on Oct 11, 2024
공지 • Nov 01Money Forward, Inc. to Report Fiscal Year 2023 Results on Jan 12, 2024Money Forward, Inc. announced that they will report fiscal year 2023 results on Jan 12, 2024
New Risk • Oct 18New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
공지 • Oct 17Money Forward, Inc. Announces Consolidated Earnings Forecast for the Fourth Quarter Ending November 30, 2023Money Forward, Inc. announced consolidated earnings forecast for the fourth quarter ending November 30, 2023. For the year ending November 30, 2023, the company expects net sales of JPY 8,054 million to JPY 8,699 million. Operating loss of JPY 2,100 million to JPY 1,600 million. Loss attributable to owners of parent of JPY 2,200 million to JPY 1,700 million. Loss per share of JPY 40.65 to JPY 31.41.
Reported Earnings • Oct 15Third quarter 2023 earnings released: JP¥28.73 loss per share (vs JP¥64.46 loss in 3Q 2022)Third quarter 2023 results: JP¥28.73 loss per share (improved from JP¥64.46 loss in 3Q 2022). Revenue: JP¥7.50b (up 37% from 3Q 2022). Net loss: JP¥1.55b (loss narrowed 55% from 3Q 2022). Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 7.3% growth forecast for the Software industry in Germany.
공지 • Oct 13Money Forward, Inc. Revises Consolidated Earnings Guidance for the Year Ending November 30, 2023Money Forward, Inc. revised consolidated earnings guidance for the year ending November 30, 2023. For the year ending November 30, 2023, the company expects net sales of JPY 29,639 million to JPY 30,283 million compared to previous guidance of JPY 29,209 million to JPY 30,283 million. Operating profit of JPY 6,665 million to JPY 6,165 million. Profit attributable to owners of parent of JPY 7,136 million to JPY 6,636 million. Earnings per share of JPY 132.19 to JPY 122.92.
Reported Earnings • Jul 20Second quarter 2023 earnings released: JP¥31.06 loss per share (vs JP¥41.49 loss in 2Q 2022)Second quarter 2023 results: JP¥31.06 loss per share (improved from JP¥41.49 loss in 2Q 2022). Revenue: JP¥7.30b (up 44% from 2Q 2022). Net loss: JP¥1.68b (loss narrowed 25% from 2Q 2022). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 6.9% growth forecast for the Software industry in Germany.
Breakeven Date Change • Jul 19The 10 analysts covering Money Forward previously expected the company to break even in 2025. New consensus forecast suggests losses will reduce by 47% per year to 2024. The company is expected to make a profit of JP¥2.16b in 2025.
Reported Earnings • Apr 16First quarter 2023 earnings released: JP¥31.71 loss per share (vs JP¥31.27 loss in 1Q 2022)First quarter 2023 results: JP¥31.71 loss per share (further deteriorated from JP¥31.27 loss in 1Q 2022). Revenue: JP¥6.79b (up 43% from 1Q 2022). Net loss: JP¥1.71b (loss widened 2.2% from 1Q 2022). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 7.0% growth forecast for the Software industry in Germany.
Buying Opportunity • Mar 31Now 20% undervaluedOver the last 90 days, the stock is up 14%. The fair value is estimated to be €40.44, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 34% over the last 3 years. Earnings per share has declined by 48%. Revenue is forecast to grow by 70% in 2 years. Earnings is forecast to grow by 72% in the next 2 years.
Breakeven Date Change • Jan 26Forecast to breakeven in 2025The 11 analysts covering Money Forward expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 61% per year to 2024. The company is expected to make a profit of JP¥1.81b in 2025. Average annual earnings growth of 77% is required to achieve expected profit on schedule.
Breakeven Date Change • Jan 25Forecast to breakeven in 2025The 11 analysts covering Money Forward expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of JP¥1.99b in 2025. Average annual earnings growth of 78% is required to achieve expected profit on schedule.
공지 • Jan 21Money Forward, Inc. Provides Earnings Guidance for the First Quarter Ending February 28, 2023 and Fiscal Year 2023Money Forward, Inc. provided earnings guidance for the first quarter ending February 28, 2023 and fiscal year 2023. For the quarter, the company expects net sales of ¥6,278 million to ¥6,563 million, operating loss of ¥2,569 million to ¥2,069 million, loss attributable to owners of parent of ¥2,585 million to ¥2,085 million and loss per share of ¥48.07 to ¥38.77.For the year, the company expects net sales of ¥27,491 million to ¥29,639 million.
Reported Earnings • Jan 17Full year 2022 earnings released: JP¥176 loss per share (vs JP¥29.97 loss in FY 2021)Full year 2022 results: JP¥176 loss per share (further deteriorated from JP¥29.97 loss in FY 2021). Revenue: JP¥21.5b (up 37% from FY 2021). Net loss: JP¥9.45b (loss widened JP¥7.97b from FY 2021). Revenue is forecast to grow 21% p.a. on average during the next 3 years, compared to a 8.1% growth forecast for the Software industry in Germany.
공지 • Jan 16Money Forward, Inc., Annual General Meeting, Feb 22, 2023Money Forward, Inc., Annual General Meeting, Feb 22, 2023. Agenda: To consider the Reduction of Legal Capital Surplus and Appropriation of Surplus.
Breakeven Date Change • Dec 01Forecast to breakeven in 2025The 12 analysts covering Money Forward expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of JP¥477.0m in 2025. Average annual earnings growth of 68% is required to achieve expected profit on schedule.
공지 • Nov 10+ 2 more updatesMoney Forward, Inc. to Report Q3, 2023 Results on Oct 13, 2023Money Forward, Inc. announced that they will report Q3, 2023 results on Oct 13, 2023
공지 • Nov 01Money Forward, Inc. to Report Fiscal Year 2022 Results on Jan 16, 2023Money Forward, Inc. announced that they will report fiscal year 2022 results on Jan 16, 2023
Buying Opportunity • Oct 18Now 24% undervaluedOver the last 90 days, the stock is up 1.9%. The fair value is estimated to be €28.29, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 35% over the last 3 years. Earnings per share has declined by 29%. Revenue is forecast to grow by 73% in 2 years. Earnings is forecast to grow by 71% in the next 2 years.
Breakeven Date Change • Jul 21No longer forecast to breakevenThe 13 analysts covering Money Forward no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of JP¥444.5m in 2024. New consensus forecast suggests the company will make a loss of JP¥31.0m in 2024.
Reported Earnings • Jul 15Second quarter 2022 earnings released: JP¥41.49 loss per share (vs JP¥0.92 loss in 2Q 2021)Second quarter 2022 results: JP¥41.49 loss per share (down from JP¥0.92 loss in 2Q 2021). Revenue: JP¥5.09b (up 27% from 2Q 2021). Net loss: JP¥2.22b (loss widened JP¥2.18b from 2Q 2021). Over the next year, revenue is forecast to grow 36%, compared to a 8.4% growth forecast for the industry in Germany.