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8789.T$124.00-1.59%
Fair $124.00+0.0%

8789.T

FinTech Global Incorporated

Financial Services / Financial ConglomeratesTokyo

$124.00

-2.00 (-1.59%)

Fairly Valued+0.0%Fair Value $124.00Fund rank 23/100 · Data gapFallback financials|
SA 55/C
F-Score: 3/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 73.0/100

Data gap 23/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 15/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

55/100

C

Piotroski

3/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Sector-specific holding-company NAV/SOTP model required: targets are disabled until look-through holdings, debt and discount data exists.
Thesis & Journal · 8789.TLocal privado en este navegador · FinTech Global Incorporated
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$23.9B

P/E

6.0x

↓

EV/EBITDA

8.5x

↓

ROE

19.3%

↑

Gross Margin

61.5%

↑

Debt/Equity

1.07

↑
52-Week Range$124
$101$165

TradingView lightweight chart

8789.T price, volumen y niveles de valoración

Último $124.00Periodo -72.2%
Fair value: $124.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+15.8%

FCF CAGR

—

FCF margin

-4.6%

FCF / Net income

-0.31x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $14.43B · net income $2.12B · FCF $-664.7M

2022-FY → 2025-FY

Gross margin

61.5%+18.6% pts

Operating margin

23.6%+17.3% pts

Net margin

14.7%+12.8% pts

FCF margin

-4.6%+2.9% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$14.43B$14.43B$13.81B$9.30B$9.30B
Net Income$2.12B$2.12B$1.68B$1.60B$176.1M
EBITDA$3.45B$3.45B$3.06B$2.42B$1.24B
EPS10.8310.838.417.940.87
Gross Margin61.5%61.5%53.3%54.9%42.9%
Operating Margin23.6%23.6%18.6%14.4%6.3%
Net Margin14.7%14.7%12.1%17.2%1.9%
Balance Sheet
Debt/Equity1.071.070.780.911.22
Current Ratio2.802.80———
Cash Flow
Free Cash Flow$-664.7M$-664.7M$4.06B$615.3M$-701.9M
Returns
ROE19.3%19.3%17.4%19.2%2.7%
Valuation
P/E5.975.978.807.4345.98
EV/EBITDA8.528.525.296.8811.16
P/B2.222.221.501.421.22
Growth & Yield
Revenue Growth4.5%4.5%48.4%0.0%—
EPS Growth28.8%28.8%5.9%812.6%—
Dividend Yield4.0%4.0%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

0.5%

fácil

EPS terminal req.

$11.00

Spread vs growth

28.2%

5Y implied EPS CAGR

4.2%

fácil

EPS terminal req.

$13.31

Spread vs growth

24.6%

10Y implied EPS CAGR

7.1%

razonable

EPS terminal req.

$21.44

Spread vs growth

21.7%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +24.4%

Total return

+24.4%

Start / end P/E

12.2x → 11.4x

EPS bridge

8.41 → 10.83

Residual

-1.9%

EPS growth+28.8%
Multiple rerating-6.5%
Dividend+4.0%
Residual / FX / buybacks / cross-term-1.9%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.