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Money Forward

TYO:3994 · JP3869960009
SoftwareSmall

360

29
Medium confidence — indicative
Profit price1
Cash yield1
Price/Sales36
EV / Gross Profit50
Price/Book20
Return on Capital19
Return on Equity50
EBIT Margin19
Gross Profitability22

Cash truth not applicable for financial companies.

Sales growth69
Profit growth93
Reinvestment21
Price momentum60
Debt load27
Debt serviceability22
Liquidity20
Analyst ratings22
Opinion Changes50
Price Target Upside21
Market mood100
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Money Forward clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryJapan
IndustrySoftware
SizeSmall
TypePublic Company
ExchangeTSE
Founded2012
Employees655
Websitecorp.moneyforward.com
ISINJP3869960009
Last UpdateApr 2, 2026
Index & Theme
Financial ServicesProfessional ServicesSoftware

Description

Analysis

Middle-of-the-road

Money Forward, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

Valuation data is not available for this company.

Growth is moderate; the safety picture is uncertain. The company scores 10/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
49
2023202420252026

All-time high

49

Jun 2026

All-time low

9

Jan 2024

Average rank

26

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
36
37
28
17
Price/Earnings
28
1
21
3
Price/Book
20
37
22
5
Dividend Yield
1
1
1
1
Value (overall)
16
15
18
6

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →