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FINDEX Inc.

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Recent & upcoming events

Aug 13
Earnings 2:00
Q2 earnings announcement (scheduled)
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Jun 28
Ex-dividend Time TBD
Ex-rights date (interim)
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Jun 25
Dividend Time TBD
Last day with rights (interim)
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May 14
Earnings 2:00
Q1 earnings announcement (scheduled)
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Mar 25
Shareholder meeting Time TBD
Shareholders' meeting
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Feb 12
Earnings 1:00
FY earnings announcement (scheduled)
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Nov 12
Est.
Earnings 1:00 approx.
Q3 earnings
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Dec 27
Est.
Dividend Time TBD
Last day with rights (year-end)
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Dec 28
Est.
Ex-dividend Time TBD
Ex-rights date (year-end)
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2027
Feb 11
Est.
Earnings 1:00 approx.
Full-year earnings
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May 13
Est.
Earnings 2:00 approx.
Q1 earnings
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Jun 27
Est.
Dividend Time TBD
Last day with rights (interim)
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Jun 28
Est.
Ex-dividend Time TBD
Ex-rights date (interim)
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Aug 12
Est.
Earnings 2:00 approx.
Q2 earnings
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KPI highlights

FY25
Revenue ¥6.11B YoY +4.6%
Operating income ¥1.79B margin 29.3%
Net income ¥1.26B YoY +8.1%
EPS ¥50 YoY +10.5%
P/E —
ROE 22.8% Equity ratio 80% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Company guidance

FY2026/12 Company-issued full-year guidance (from earnings report) / %=vs prior FY
Revenue ¥6.21B +1.6%
Operating income ¥1.83B +2.2%
Net income ¥1.30B +3.6%
EPS ¥53 +6.5%

Quarterly fundamentals

Income & cash flow
Quarter FY23 Q3FY23 Q4FY24 Q1FY24 Q2FY25 Q1FY26 Q1
Revenue ——¥2.12B¥1.08B——
Operating income ——¥862M¥78M——
Net income ——¥645M¥56M——
Operating CF ——————

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2020–2025）

国内機関 28.9%海外機関 7%個人 35.3%未開示 28.8%202020212022202320242025
事業法人国内機関海外機関個人未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

相原 輝夫 31.4%相原 輝夫日本マスタートラスト信託銀行株式会社 11.8%日本マスタートラスト信託銀行株式会社（信託口）みずほ信託銀行株式会社有価証券管理信 5.9%みずほ信託銀行株式会社有価証券管理信託0700068みずほ信託銀行株式会社有価証券管理信 5.9%みずほ信託銀行株式会社有価証券管理信託0700067株式会社愛媛銀行 3.9%株式会社愛媛銀行竹村 敬司 3.9%竹村 敬司THE BANK OF NEW YO 3.6%THE BANK OF NEW YORK MELLON 140040（常任代理人　株式会社みずほ銀行決済営業部）202020212022202320242025

Top shareholders — actual figures (as of 2025)

Holder Shares held Ratio Source
相原 輝夫 7,707,600 31.4% Yuho (EDINET)
日本マスタートラスト信託銀行株式会社（信託口） 2,890,300 11.8% Yuho (EDINET)
みずほ信託銀行株式会社有価証券管理信託0700068 1,440,000 5.9% Yuho (EDINET)
みずほ信託銀行株式会社有価証券管理信託0700067 1,440,000 5.9% Yuho (EDINET)
株式会社愛媛銀行 967,200 3.9% Yuho (EDINET)
竹村 敬司 959,600 3.9% Yuho (EDINET)
THE BANK OF NEW YORK MELLON 140040 884,000 3.6% Yuho (EDINET)
CACEIS BANK/QUINTET LUXEMBOURG SUB AC / UCITS CUSTOMERS ACCOUNT 549,400 2.2% Yuho (EDINET)
株式会社日本カストディ銀行（信託口） 347,900 1.4% Yuho (EDINET)
SCBHK AC LIECHTENSTEINISCHE LANDESBANK AG 275,000 1.1% Yuho (EDINET)

Source：EDINET（大株主の状況）　Classification inferred from disclosed names

F-Score (Piotroski)

7/9

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 18.5%
✓ Positive operating cash flow ¥1.65B
✓ ROA improved YoY 17.4% → 18.5%
✓ Operating CF exceeds net income (accrual quality) OCF ¥1.65B / net income ¥1.26B
✗ Equity ratio improved* Substitute for the original “decrease in long-term debt” 83.8% → 79.9%
✗ Current ratio improved 4.63× → 3.65×
✓ No dilution (shares outstanding did not increase) 26,608,800 → 26,608,800
✓ Gross margin improved 60.8% → 65.2%
✓ Asset turnover improved 0.87× → 0.90×

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY25
Equity ratio 79.9%
Current ratio 3.6×
Years of positive operating CF 9 of last 9 yrs
Payout ratio 46%
Latest fiscal year result Profit (net income ¥1.26B)

Performance history

Last 10 years
0億円15億円31億円46億円61億円 FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25

Income & assets

Unit: ¥100M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Revenue 32.933.136.042.840.049.745.451.958.461.1
Operating income 7.255.465.937.436.369.2110.315.015.317.9
Ordinary income 7.255.485.947.476.439.4510.615.315.418.4
Net income 5.003.673.984.994.306.367.2310.611.612.6
Total assets 31.033.231.134.638.045.649.859.366.868.1
Equity 26.328.225.528.430.735.140.448.556.154.7

Indicators & cash flow

Unit: ¥100M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
EPS —¥14¥15¥20¥17¥25¥28¥41¥45¥50
ROE —13.5%14.8%18.5%14.6%19.4%19.2%23.9%22.3%22.8%
Operating CF —5.805.9816.75.437.506.948.4319.016.5
Investing CF —-3.79-5.40-3.68-1.46-4.93-2.30-2.97-24.3-2.98
Financing CF —-1.82-6.76-2.07-2.02-1.83-1.42-2.70-4.13-14.1
FCF —2.020.5813.03.962.574.645.46-5.3613.5

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: EDINET (Annual Securities Report) (fetched 2026-08-29) *Some metrics supplemented from additional sources

Key financial metrics

High ROE ✓ 3-year revenue growth ✓ Dividend grower ✓

Sector positioning

Relative standing within the sector

IR disclosure history

Timely disclosures & annual reports
Is this information incorrect?

Data provided by Twelve Data