Is 3994.T overvalued or undervalued?

3994.T currently has a P/E ratio of 87.08. Relative to the sector average of 22.30, this suggests the stock may be overvalued. A higher P/E than peers means investors are paying more for each unit of earnings, often because they expect faster future growth. However, if that growth does not materialize, the stock can appear overvalued. A lower P/E may indicate weaker growth expectations or higher risk, but it can also signal a potential valuation discount.

How can I buy Money Forward, Inc. stock?

Money Forward, Inc. trades on JPX. Investors in Latin America can buy it through international and regional brokerage and investment platforms. You simply need a valid government ID or passport to get started.

Can I buy fractional shares of 3994.T?

Yes. Through fractional investing, you can invest exactly the amount you want, starting with as little as $1 or $5 USD (depending on what investment platform you use), and own a proportional piece of the company.

Does buying 3994.T protect my money against local inflation?

Many investors in Latin America buy international stocks like 3994.T to protect their purchasing power. Because 3994.T is priced in foreign currency, your investment is tied to a hard currency. If your local currency devalues against the foreign currency, usually USD or Euro, the underlying value of your stock portfolio remains protected from local inflation.

Do I need a foreign bank account or a Visa to buy 3994.T shares?

No. A common misconception is that you need a foreign bank account or a foreign visa to invest in international stocks. Today, modern investment platforms allow you to fund your account using local bank transfers or local payment methods right from your home country.

Is 3994.T a suitable investment for my portfolio?

There is no universal answer, since fit depends on your situation, not just the stock. Think about three things: how well 3994.T diversifies what you already own, whether you can stomach its price swings given your risk tolerance, and how long you plan to stay invested. As a rule, a single stock works best as one piece of a broader asset allocation and with a multi-year time horizon. This is general information, not personalized financial advice.

All stocks3994.T

Money Forward, Inc.

¥6,827.00+¥520.00+8.24%

JPX / JPY

Market cap

¥378.7B

P/E

87.1

EPS (TTM)

¥0.50

Dividend yield

0.00%

Beta

1.21

1Y return

+21.61%

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Financials

The numbers behind the company

Revenue vs net income

RevenueNet income

$138M2021

$155M2022

$205M2023

$269M2024

$324M2025

Financial health

Gross margin

Operating margin

ROE

ROA

Debt to equity1.06Moderate
Current ratio1.54
Cash ratio0.90
Net margin7.7%
Free cash flow—

Valuation

Is it expensive right now

P/E vs the market

scale 0–50

0153050

3994.T87.1
Technology sector median22.3
S&P 50022.0

Trades about 290% above its sector, the market expects faster growth.

Ratios

PEG0.17
Price to book8.50
EPS (TTM)¥0.50
Payout ratio0%
FCF yield1.45%

Range & risk

¥2750.50¥7050.00

Trading in the upper third of its 52-week band

Beta1.21

Profile

What Money Forward, Inc. actually does

Money Forward, Inc. provides financial solutions for individuals, financial institutions, and corporations primarily in Japan. The company offers personal financial management services under the Money Forward ME, MONEY PLUS, Money Forward Personal Financial Consulting, and Money Forward Fixed Cost Review names; Money Forward Cloud, a software-as-a-service (SaaS) application for promoting back office operations; and accounting and tax solutions under the Money Forward Cloud Accounting, Money Forward Cloud Accounting Plus, Money Forward Cloud Tax Return, Money Forward Cloud Invoice Issuing, Money Forward Cloud Invoice Issuing Plus, Money Forward Cloud Receivables Management, Money Forward Cloud Expense, Money Forward Cloud Accounts Payable, Money Forward Cloud Invoice System, Money Forward Cloud Fixed Assets, Money Forward Cloud Project Cost, Money Forward Cloud Consolidated Association, and Money Forward Cloud Box names. It also provides human resource solutions under the Money Forward Cloud HR Database, MoneyForward Cloud Attendance, Money Forward Cloud Payroll, Money Forward Cloud Tax Adjustment, MoneyForward Cloud Social Insurance, and Money Forward Cloud My Number names; and SaaS marketing platform solutions under the BOXIL SaaS, BOXIL EXPO, BALES, BALES CLOUD, BOXIL, BizHint, and ADXL names; and financial services under the Money Forward Kessai, Money Forward Transaction Finance, Money Forward Invoice Card Pay, Money Forward Early Payment, SHIKIN+, SEIKYU+, Biz Forward Invoice Card Pay, and HIRAC FUND names. In addition, the company offers Money Forward Fintech Platform for collecting the asset data and transaction data, storing the data, and analyzing the data for customer insights; consulting services; and other solutions. The company was formerly known as Moneybook Co. and changed its name to Money Forward, Inc. in December 2012. Money Forward, Inc. was incorporated in 2012 and is headquartered in Tokyo, Japan.

CEO

Yosuke Tsuji

Employees

2,839

Headquarters

Tokyo, TY

Founded

2017-09-29

Company website

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Community sentiment

Bullish—

Distribution

Bearish0%
Neutral0%
Bullish0%

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Q&A

Questions people ask

3994.T has a beta of 1.21, which indicates how sensitive it has historically been to movements in its broader market. A beta above 1 suggests higher relative volatility than the market. Beta is based on historical data and does not predict future performance.

Money Forward, Inc.