Analisis Keuangan Saham 47D - Money Forward, Inc. (DB) Stock

Gambaran Umum

Money Forward, Inc. is a Japan-based company primarily engaged in the development and provision of personal financial management services. The company's flagship service, "Money Forward ME," provides comprehensive financial management by integrating personal financial information such as bank accounts, securities, and credit cards. Additionally, Money Forward also provides cloud-based accounting, payroll, and billing systems for businesses through its "Money Forward Cloud" series. The company is also known for its tax return service, "MF Cloud Tax Return," and its automatic savings service, "MF Kakeibo." Through these innovative digital services, Money Forward, Inc. aims to promote financial literacy and streamline financial processes for individuals and businesses.

Skor Kualitas, Nilai, dan Momentum

Kartu ini menunjukkan skor Kualitas, Nilai, dan Momentum untuk perusahaan tersebut.

Kualitas

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Nilai

Model penilaian eksklusif yang memberi peringkat pada perusahaan berdasarkan valuasi relatifnya. Skor berkisar antara 0 hingga 100, dengan 100 sebagai yang paling diremehkan nilainya.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Sentimen Dana

Skor Sentimen Dana (sebelumnya dikenal sebagai Skor Kepemilikan) adalah model kuantitatif eksklusif yang memberi peringkat pada perusahaan berdasarkan tingkat akumulasi kepemilikan.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Laporan Laba Rugi: Pendapatan, Laba Operasional, Laba Bersih

Nilai revenue untuk Money Forward, Inc. per 2025 May 31 adalah 43,736.00 MM.
Nilai operating income untuk Money Forward, Inc. per 2025 May 31 adalah -4,500.00 MM.
Nilai net income untuk Money Forward, Inc. per 2025 May 31 adalah -5,930.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-05-31	43,736.00	-4,500.00	-5,930.00
2025-02-28	42,526.61	-4,323.31	-6,130.96
2024-11-30	40,363.00	-4,735.00	-6,330.00
2024-08-31	38,469.45	-4,602.49	-5,091.43
2024-02-29	33,133.00	-5,697.00	-5,928.00
2023-11-30	30,380.00	-6,330.00	-6,315.00
2023-08-31	27,765.00	-6,727.00	-7,039.00
2023-05-31	25,723.00	-7,881.00	-8,943.00
2023-02-28	23,513.00	-8,455.00	-9,486.00
2022-11-30	21,477.00	-8,469.00	-9,449.00
2022-08-31	19,635.00	-6,967.00	-8,069.00
2022-05-31	18,013.00	-4,903.00	-5,389.00
2022-02-28	16,921.00	-2,781.00	-3,214.00
2021-11-30	15,632.00	-1,062.00	-1,482.00
2021-08-31	14,641.00	-1,602.00	-1,620.00
2021-05-31	13,564.00	-1,513.00	-1,129.00
2021-02-28	12,391.00	-2,092.00	-1,703.00
2020-11-30	11,318.00	-2,804.00	-2,423.00
2020-08-31
2020-05-31

Laporan Laba Rugi: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-05-31
2025-02-28
2024-11-30	-116.31
2024-08-31	-93.75	-93.75
2024-02-29	-109.60	-109.60
2023-11-30	-116.98
2023-08-31	-130.62	-130.62
2023-05-31	-166.29	-166.29
2023-02-28	-176.77	-176.77
2022-11-30	-176.43
2022-08-31	-151.05	-151.05
2022-05-31	-103.15	-103.16
2022-02-28	-63.21	-63.22
2021-11-30	-29.97
2021-08-31	-33.77	-33.77
2021-05-31	-23.77	-23.76
2021-02-28	-36.06	-36.05
2020-11-30	-52.07
2020-08-31	-45.65	-45.65
2020-05-31	-46.92	-46.92

Arus Kas: Operasi, Investasi, Pendanaan

Nilai cash from operating activities untuk Money Forward, Inc. per 2025 May 31 adalah 67.00 MM.
Nilai cash from investing activities untuk Money Forward, Inc. per 2025 May 31 adalah -13,122.00 MM.
Nilai kas dari aktivitas pendanaan untuk Money Forward, Inc. per 2025 May 31 adalah 23,608.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-05-31	67.00	-13,122.00	23,608.00
2025-02-28
2024-11-30	-4,761.00	-9,505.00	20,346.00
2024-08-31
2024-02-29
2023-11-30	2,460.00	-7,448.00	17,462.00
2023-08-31
2023-05-31	-5,493.00	-6,583.00	8,703.00
2023-02-28
2022-11-30	-4,124.00	-14,780.00	9,074.00
2022-08-31
2022-05-31	-4,093.00	-12,743.00	40,482.00
2022-02-28
2021-11-30	-2,327.00	-5,199.00	34,797.00
2021-08-31
2021-05-31	-1,139.00	-4,955.00	2,348.00
2021-02-28
2020-11-30	-1,119.00	-2,606.00	5,256.00
2020-08-31
2020-05-31

Metrik Penilaian: PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-05-31
2025-02-28
2024-11-30
2024-08-31
2024-02-29
2023-11-30
2023-08-31
2023-05-31
2023-02-28
2022-11-30
2022-08-31
2022-05-31
2022-02-28
2021-11-30
2021-08-31
2021-05-31
2021-02-28
2020-11-30
2020-08-31
2020-05-31

Metrik Penilaian: EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-05-31
2025-02-28
2024-11-30
2024-08-31
2024-02-29
2023-11-30
2023-08-31
2023-05-31
2023-02-28
2022-11-30
2022-08-31
2022-05-31
2022-02-28
2021-11-30
2021-08-31
2021-05-31
2021-02-28
2020-11-30
2020-08-31
2020-05-31

Efektivitas Manajemen

roa untuk Money Forward, Inc. pada 2025 May 31 adalah -0.07.
roe untuk Money Forward, Inc. pada 2025 May 31 adalah -0.18.
roic untuk Money Forward, Inc. pada 2025 May 31 adalah -0.07.
croic untuk Money Forward, Inc. pada 2025 May 31 adalah 0.07.
ocroic untuk Money Forward, Inc. pada 2025 May 31 adalah -0.06.

Period End (TTM)	ROA	ROE	ROIC (Tingkat Pengembalian Investasi Modal)	CROIC	OCROIC
2025-05-31	-0.07	-0.18	-0.07	0.07	-0.06
2025-02-28	-0.07	-0.18	-0.08	0.08	-0.06
2024-11-30	-0.06	-0.14	-0.08	0.00	0.00
2024-08-31	-0.08	-0.18	-0.09	0.00	0.00
2024-02-29	-0.08	-0.17	-0.10	0.19	0.04
2023-11-30	-0.11	-0.18	-0.09	0.18	0.04
2023-08-31	-0.14	-0.19	-0.12	-0.06	-0.09
2023-05-31	-0.14	-0.22	-0.16	-0.06	-0.10
2023-02-28	-0.16	-0.24	-0.19	-0.19	-0.08
2022-11-30	-0.14	-0.22	-0.18	-0.18	-0.08
2022-08-31	-0.10	-0.19	-0.15	0.45	-0.08
2022-05-31	-0.13	-0.47	-0.11	0.47	-0.08
2022-02-28	-0.07	-0.31	-0.07	0.56	-0.05
2021-11-30	-0.07	-0.14	-0.03	0.54	0.00
2021-08-31	-0.08	-0.15	-0.03	-0.07	-0.02
2021-05-31	-0.05	-0.11	-0.08	-0.25	-0.08
2021-02-28	-0.15	-0.30	-0.14	0.09	-0.07
2020-11-30	-0.15	-0.30	-0.14	0.09	-0.07
2020-08-31	-0.14	-0.25	-0.14	0.01	-0.19
2020-05-31	-0.14	-0.23	-0.13	0.14	-0.23

Gross Margins

marjin kotor untuk Money Forward, Inc. pada 2025 May 31 adalah 0.67.
marjin bersih untuk Money Forward, Inc. pada 2025 May 31 adalah -0.14.
marjin operasi untuk Money Forward, Inc. pada 2025 May 31 adalah -0.10.

Margin Kotor: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Margin Keuntungan Bersih: Margin Bersih (juga dikenal sebagai Margin Keuntungan) adalah rasio pendapatan yang tersisa setelah dikurangi Pendapatan Bersih. Perhitungannya adalah Pendapatan Bersih / Pendapatan.

Margin Operasi: Margin Operasi adalah rasio pendapatan yang tersisa setelah dikurangi Pendapatan Operasi. Perhitungannya adalah Pendapatan Operasi / Pendapatan.

Period End (TTM)	Margin Kotor	Margin Keuntungan Bersih	Margin Operasi
2025-05-31	0.67	-0.14	-0.10
2025-02-28	0.67	-0.16	-0.12
2024-11-30	0.66	-0.13	-0.12
2024-08-31	0.64	-0.18	-0.17
2024-02-29	0.63	-0.21	-0.21
2023-11-30	0.62	-0.21	-0.21
2023-08-31	0.62	-0.25	-0.24
2023-05-31	0.62	-0.35	-0.31
2023-02-28	0.62	-0.40	-0.36
2022-11-30	0.63	-0.44	-0.39
2022-08-31	0.65	-0.41	-0.35
2022-05-31	0.67	-0.30	-0.27
2022-02-28	0.69	-0.19	-0.16
2021-11-30	0.71	-0.09	-0.07
2021-08-31	0.71	-0.11	-0.11
2021-05-31	0.70	-0.08	-0.11
2021-02-28	0.67	-0.21	-0.25
2020-11-30	0.67	-0.21	-0.25
2020-08-31	0.66	-0.21	-0.21
2020-05-31	0.64	-0.25	-0.26