Net Protections Holdings, Inc. logo

Net Protections Holdings, Inc.

7383.T

JPXFinancial ServicesFinancial - Credit Services

Latest quote

¥451

−¥4.00 · -0.88%

Aug 24, 1:28 PM JST

7383.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Operating globally and within Japan, Net Protections Holdings, Inc. delivers diverse "buy now, pay later" (BNPL) financial solutions. Their services span B2C e-commerce BNPL, B2B deferred payment options, and consumer BNPL programs that include membership benefits. Additionally, the company manages credit card payment processing and loyalty rewards initiatives. Established in 2002, this Tokyo, Japan-based firm operates as a subsidiary of ORIX Corporation.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
JP
CEO
Shin Shibata
Listed since
Dec 15, 2021
Employees
377

Market position

Day range

Current ¥451

52-week range

Current ¥451

Open
¥463
Previous close
¥455
Volume
635.5K
0.63× average
Average volume
1M
Average daily volume
Market cap
44.88B JPY
Beta
1.54
Market reference 1
50-day average
¥397.2
+13.54% above average
200-day average
¥464.88
-2.99% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
22.03B JPY
P/E (TTM)
24.14×
P/B (TTM)
2.07×
P/S (TTM)
1.79×
EV / EBITDA
5.55×
Earnings yield
4.82%
Free cash flow yield
24.90%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
59.51%
Operating margin
0.11%
Net margin
7.43%
Return on equity
8.24%
Return on assets
2.04%
Return on invested capital
4.89%

Financial health

Debt / equity
0.54×
Current ratio
1.01×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends110%69%27%-14%Gross margin, FY2021: 100.00%Gross margin, FY2022: 100.00%Gross margin, FY2023: 100.00%Gross margin, FY2024: 100.00%Gross margin, FY2025: 59.51%Operating margin, FY2021: 4.81%Operating margin, FY2022: -2.09%Operating margin, FY2023: -3.01%Operating margin, FY2024: 9.13%Operating margin, FY2025: 9.04%Net margin, FY2021: 1.26%Net margin, FY2022: -2.29%Net margin, FY2023: -3.97%Net margin, FY2024: 5.86%Net margin, FY2025: 7.04%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 100.00%. Gross margin FY2022 100.00%. Gross margin FY2023 100.00%. Gross margin FY2024 100.00%. Gross margin FY2025 59.51%. Operating margin FY2021 4.81%. Operating margin FY2022 -2.09%. Operating margin FY2023 -3.01%. Operating margin FY2024 9.13%. Operating margin FY2025 9.04%. Net margin FY2021 1.26%. Net margin FY2022 -2.29%. Net margin FY2023 -3.97%. Net margin FY2024 5.86%. Net margin FY2025 7.04%.

Income trends

Revenue

24.59B JPY+6.76%

Operating income

2.22B JPY+5.75%

Net income

1.73B JPY+28.30%
Income trends across reported periods27.13B JPY16.96B JPY6.8B JPY−3.37B JPYRevenue, FY2021: 18.67B JPYRevenue, FY2022: 19.33B JPYRevenue, FY2023: 20.84B JPYRevenue, FY2024: 23.03B JPYRevenue, FY2025: 24.59B JPYOperating income, FY2021: 897M JPYOperating income, FY2022: −404M JPYOperating income, FY2023: −627M JPYOperating income, FY2024: 2.1B JPYOperating income, FY2025: 2.22B JPYNet income, FY2021: 235M JPYNet income, FY2022: −443M JPYNet income, FY2023: −828M JPYNet income, FY2024: 1.35B JPYNet income, FY2025: 1.73B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 18.67B JPY. Revenue FY2022 19.33B JPY. Revenue FY2023 20.84B JPY. Revenue FY2024 23.03B JPY. Revenue FY2025 24.59B JPY. Operating income FY2021 897M JPY. Operating income FY2022 −404M JPY. Operating income FY2023 −627M JPY. Operating income FY2024 2.1B JPY. Operating income FY2025 2.22B JPY. Net income FY2021 235M JPY. Net income FY2022 −443M JPY. Net income FY2023 −828M JPY. Net income FY2024 1.35B JPY. Net income FY2025 1.73B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue24.59B JPY23.03B JPY20.84B JPY19.33B JPY18.67B JPY
Cost of goods sold9.96B JPY
Gross profit14.63B JPY23.03B JPY20.84B JPY19.33B JPY18.67B JPY
Selling, general, and administrative12.11B JPY
Operating expenses12.41B JPY20.93B JPY21.47B JPY19.73B JPY17.77B JPY
Interest income136M JPY129M JPY1M JPY
Interest expense131M JPY93M JPY194M JPY123M JPY266M JPY
Depreciation and amortization1.75B JPY1.63B JPY1.63B JPY1.38B JPY1.32B JPY
Operating income2.22B JPY2.1B JPY−627M JPY−404M JPY897M JPY
Net income1.73B JPY1.35B JPY−828M JPY−443M JPY235M JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 1 miss, 0 met estimates
Average EPS surprise
+86.76%
11 comparable reports
Latest EPS result
6.02
Estimate 5.04 · Beat by 19.44%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates6.774.732.690.65Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 5.63, estimate 3.33, surprise +69.07%, Beat. Q2 2025, reported May 15, 2025: actual 3.45, estimate 0.84, surprise +310.71%, Beat. Q3 2025, reported Aug 14, 2025: actual 4.77, estimate 3.18, surprise +50.00%, Beat. Q4 2025, reported Nov 14, 2025: actual 4.85, estimate 3.57, surprise +35.85%, Beat. Q1 2026, reported Feb 13, 2026: actual 6.33, estimate 4.91, surprise +28.92%, Beat. Q2 2026, reported May 15, 2026: actual 1.49, estimate 0.77, surprise +93.51%, Beat. Q3 2026, reported Aug 14, 2026: actual 6.02, estimate 5.04, surprise +19.44%, Beat. Q4 2026, reported Nov 18, 2026: actual —, estimate 5.32, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates7.15B6.59B6.02B5.46BQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 6.26B JPY, estimate 6.24B JPY, surprise +0.26%, Beat. Q2 2025, reported May 15, 2025: actual 5.76B JPY, estimate 5.74B JPY, surprise +0.34%, Beat. Q3 2025, reported Aug 14, 2025: actual 6.16B JPY, estimate 6B JPY, surprise +2.73%, Beat. Q4 2025, reported Nov 14, 2025: actual 6.24B JPY, estimate 6.17B JPY, surprise +1.08%, Beat. Q1 2026, reported Feb 13, 2026: actual 6.56B JPY, estimate 6.49B JPY, surprise +1.09%, Beat. Q2 2026, reported May 15, 2026: actual 6.26B JPY, estimate 6.28B JPY, surprise -0.43%, Miss. Q3 2026, reported Aug 14, 2026: actual 6.45B JPY, estimate 6.58B JPY, surprise -2.04%, Miss. Q4 2026, reported Nov 18, 2026: actual —, estimate 6.87B JPY, surprise —, Comparison unavailable.

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