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Procrea Holdings, Inc. logo

Procrea Holdings, Inc.

7384.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥4,375

−¥105 · -2.34%

Aug 24, 3:30 PM JST

7384.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Procrea Holdings, Inc. functions as a parent organization for The Aomori Bank, Ltd. and The Michinoku Bank, Ltd., through which it provides a comprehensive range of banking solutions. Its services include issuing credit cards, offering credit guarantees, and handling credit management and collection. The company also diversifies its activities into consulting, leasing, and property management. Founded in 2022, its main corporate office is located in Aomori, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Susumu Narita
Listed since
Apr 1, 2022
Employees
2,197

Market position

Day range

Current ¥4,375

52-week range

Current ¥4,375

Open
¥4,505
Previous close
¥4,480
Volume
94.3K
0.7× average
Average volume
134.82K
Average daily volume
Market cap
123.88B JPY
Beta
0.29
Market reference 1
50-day average
¥4,027.3
+8.63% above average
200-day average
¥3,107.29
+40.80% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-760.41B JPY
P/E (TTM)
30.43×
P/B (TTM)
0.73×
P/S (TTM)
1.52×
EV / EBITDA
-72.29×
Earnings yield
4.29%
Free cash flow yield
19.71%
Dividend yield
1.14%

Profitability & efficiency

Gross margin
83.55%
Operating margin
7.68%
Net margin
4.99%
Return on equity
2.32%
Return on assets
0.06%
Return on invested capital
0.06%

Financial health

Debt / equity
1.07×
Current ratio
10.63×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%70%31%-8%Gross margin, FY2022: 98.53%Gross margin, FY2023: 99.36%Gross margin, FY2024: 94.98%Gross margin, FY2025: 80.59%Operating margin, FY2022: 70.50%Operating margin, FY2023: 4.99%Operating margin, FY2024: 3.52%Operating margin, FY2025: 7.16%Net margin, FY2022: 68.82%Net margin, FY2023: 4.01%Net margin, FY2024: 1.58%Net margin, FY2025: 4.67%FY2022FY2023FY2024FY2025
Gross margin FY2022 98.53%. Gross margin FY2023 99.36%. Gross margin FY2024 94.98%. Gross margin FY2025 80.59%. Operating margin FY2022 70.50%. Operating margin FY2023 4.99%. Operating margin FY2024 3.52%. Operating margin FY2025 7.16%. Net margin FY2022 68.82%. Net margin FY2023 4.01%. Net margin FY2024 1.58%. Net margin FY2025 4.67%.

Income trends

Revenue

81.08B JPY+4.39%

Operating income

5.81B JPY+112.48%

Net income

3.78B JPY+208.31%
Income trends across reported periods89.06B JPY57.12B JPY25.18B JPY−6.76B JPYRevenue, FY2022: 71.14B JPYRevenue, FY2023: 70.21B JPYRevenue, FY2024: 77.67B JPYRevenue, FY2025: 81.08B JPYOperating income, FY2022: 50.15B JPYOperating income, FY2023: 3.5B JPYOperating income, FY2024: 2.73B JPYOperating income, FY2025: 5.81B JPYNet income, FY2022: 48.96B JPYNet income, FY2023: 2.82B JPYNet income, FY2024: 1.23B JPYNet income, FY2025: 3.78B JPYFY2022FY2023FY2024FY2025
Revenue FY2022 71.14B JPY. Revenue FY2023 70.21B JPY. Revenue FY2024 77.67B JPY. Revenue FY2025 81.08B JPY. Operating income FY2022 50.15B JPY. Operating income FY2023 3.5B JPY. Operating income FY2024 2.73B JPY. Operating income FY2025 5.81B JPY. Net income FY2022 48.96B JPY. Net income FY2023 2.82B JPY. Net income FY2024 1.23B JPY. Net income FY2025 3.78B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022
Revenue81.08B JPY77.67B JPY70.21B JPY71.14B JPY
Cost of goods sold15.74B JPY3.9B JPY448M JPY1.05B JPY
Gross profit65.34B JPY73.77B JPY69.76B JPY70.09B JPY
Selling, general, and administrative—45.05B JPY41.88B JPY41.66B JPY
Operating expenses59.54B JPY71.04B JPY66.26B JPY19.93B JPY
Interest income61.4B JPY47.43B JPY41.4B JPY44.23B JPY
Interest expense11.99B JPY3.9B JPY448M JPY1.05B JPY
Depreciation and amortization4.71B JPY3.96B JPY3.35B JPY3.27B JPY
Operating income5.81B JPY2.73B JPY3.5B JPY50.15B JPY
Net income3.78B JPY1.23B JPY2.82B JPY48.96B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
76.94

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates98.4219.87-58.67-137.22Q2 '23Q3 '23Q4 '23Q1 '24Q2 '24Q3 '24Q4 '24Q1 '25
Q2 2023, reported May 12, 2023: actual -120.97, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 10, 2023: actual 33.54, estimate —, surprise —, Comparison unavailable. Q4 2023, reported Nov 10, 2023: actual 24.11, estimate —, surprise —, Comparison unavailable. Q1 2024, reported Feb 9, 2024: actual 51.96, estimate —, surprise —, Comparison unavailable. Q2 2024, reported May 14, 2024: actual -10.42, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 8, 2024: actual 82.17, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 14, 2024: actual 48.86, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 76.94, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates24.03B20.86B17.68B14.5BQ2 '23Q3 '23Q4 '23Q1 '24Q2 '24Q3 '24Q4 '24Q1 '25
Q2 2023, reported May 12, 2023: actual 18.75B JPY, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 10, 2023: actual 15.93B JPY, estimate —, surprise —, Comparison unavailable. Q4 2023, reported Nov 10, 2023: actual 15.43B JPY, estimate —, surprise —, Comparison unavailable. Q1 2024, reported Feb 9, 2024: actual 18.52B JPY, estimate —, surprise —, Comparison unavailable. Q2 2024, reported May 14, 2024: actual 20.34B JPY, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 8, 2024: actual 19.47B JPY, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 14, 2024: actual 17.12B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 23.11B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥50.00

2025 complete year0.0% since 2023

2026 partial: ¥25.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥50.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥50.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥25.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 26, 2026

Dividend

Ex-dividend Sep 29, 2025

¥25.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 10, 2025

Dividend

Ex-dividend Mar 28, 2025

¥25.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 26, 2025

Dividend

Ex-dividend Sep 27, 2024

¥25.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 10, 2024

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ETFs holding 7384.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
273.28M
Weight
0.01%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥417.7-0.07%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
9.27M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
6.31M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
2.52M
Weight
0.02%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%
Avantis International Equity ETF logoAvantis International Equity ETFAVDE
Market value
1.95M
Weight
0.01%
AUM
19.1B USD
Expense ratio
0.23%
Price / 1D
$94.26+0.87%
Schwab International Small-Cap Equity ETF logoSchwab International Small-Cap Equity ETFSCHC
Market value
1.57M
Weight
0.03%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.25+0.61%
Dimensional - International Small Cap ETF logoDimensional - International Small Cap ETFDFIS
Market value
1.2M
Weight
0.02%
AUM
5.91B USD
Expense ratio
0.39%
Price / 1D
$37.545+0.71%
Dimensional World ex U.S. Core Equity 2 ETF logoDimensional World ex U.S. Core Equity 2 ETFDFAX
Market value
996.86K
Weight
0.01%
AUM
12.57B USD
Expense ratio
0.28%
Price / 1D
$38.16+0.82%

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