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Overview

Information & Communication

Paycloud Holdings Inc.

Paycloud Holdings is a Japanese IT holding company operating three core businesses through wholly-owned subsidiaries: a Cashless Services business (Value Design Co., Ltd.) providing SaaS-based proprietary payment and loyalty point solutions ('Value Card Service') to regional supermarkets, retailers, and restaurants; a Digital Signage business (Cloud Point Co., Ltd.) offering end-to-end digital signage solutions including hardware selection, installation, content creation, and maintenance for multi-location operators such as restaurants, convenience stores, financial institutions, and airports; and a Solutions business (Arara Inc.) providing high-speed email delivery, personal information detection/management software, and AR platform services. The group primarily serves B2B and B2B2C clients, with the cashless segment structured as a recurring revenue model.

Market Cap

¥8.22B

US$52.4M

¥6.06B

US$38.7M

Stock¥533▼-1.48%

US$1 = ¥156.80 (2026-10-23)

LTM EV/EBITDA

4.6

LTM EV/EBIT

7.3

LTM PER

19.7

LTM PBR

1.8

Stock vs TOPIX (1Y, base=100)vs TOPIX ▼-19.4%pt

Oct 24, 25 – Oct 23, 26StockTOPIX

1Oct 15, 26Full-year FY2026/08 earnings announced

MC → EV Bridge

AI Briefing

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Performance & Balance

Revenue 5Y (¥B)

EBITDA 5Y (¥B)

Net Income 5Y (¥B)

Capital Structure

73%

27%

EquityD/E 0.38xDebt

Liquidity vs Debt 5Y (¥B)▲ Net Cash

CashInv. Sec.Debt

Shareholders

Top 10 hold 47.2%

as of 2026-02-28 · Source: Annual Securities Report

Iwatsugu MIURA

15.61%

Yosuke IWAI

9.44%

CARTA HOLDINGS, INC.

5.75%

Toru ONOUE

3.59%

Murph Corporation Co., Ltd.

2.91%

Dai Nippon Printing Co.,Ltd.

2.75%

SBI SECURITIES Co., Ltd.

2.10%

Custody Bank of Japan, Ltd. (Trust Account)

1.87%

TECMIRA HOLDINGS INC.

1.57%

IWAI GROUP PTE. LTD. (Standing Proxy: SMBC Nikko Securities Inc.)

1.57%

Management

7 officers

Yosuke IWAI

Representative Director, President

Apr 1989 Joined Recruit Cosmos Co., Ltd. (now Cosmos Initia Co., Ltd.) Jun 1998 Director, Paradise Web Co., Ltd. Sep 1998 Senior Managing Director, Cyberbird Co., Ltd. Feb 2002 Director, D-Move Co., Ltd. Apr 2005 Director and Executive Vice President, Cyberbird Co., Ltd. Sep 2005 Director, Airborne Entertainment Jun 2006 Director, IWAI GROUP PTE. LTD. (current) Oct 2006 President, CYB International Feb 2007 Director, the Company Jun 2007 Director, Cyberbird Holdings Co., Ltd. Jan 2008 Representative Director, President, the Company Jul 2010 Outside Director, E-Communications Co., Ltd. Aug 2012 Director, ARARA PTE. LTD. Jun 2022 Representative Director, Chairman, the Company Nov 2023 Representative Director, Vice Chairman, the Company Mar 2024 Director, Arara Co., Ltd. (current) Nov 2025 Representative Director, President, the Company (current)

1965-11-20

Iwatsugu MIURA

Director and Chairman

Apr 1987 Joined Recruit Co., Ltd. Oct 1990 Established Ox Planning Center Co., Ltd. (now Cloud Point Co., Ltd.), Representative Director (current) Jun 2002 Audit & Supervisory Board Member, Bisty Co., Ltd. Oct 2009 Outside Director, CAD Center Co., Ltd. Jun 2015 Outside Director, SANKYO Co., Ltd. Mar 2022 Director, C.P. Plus Co., Ltd. (current) Nov 2023 Director and Chairman, the Company (current) Jun 2024 Outside Director (Audit and Supervisory Committee Member), SANKYO Co., Ltd. (current)

1963-02-19

Toru ONOUE

Director

Apr 1990 Joined JCB Co., Ltd. Apr 2003 Group Manager, Market Development Department, JCB Co., Ltd. Sep 2005 Joined Improve Technologies Inc.; Head of Card Business Division Jul 2006 Established Value Design Co., Ltd.; Executive Officer Oct 2006 Representative Director, President, Value Design Co., Ltd. Jan 2014 Chairman, Bailiu (Shanghai) Information Technology Co., Ltd. Feb 2016 Director, VALUEDESIGN SINGAPORE PTE. LTD. Mar 2017 Director, VALUEDESIGN (THAILAND) CO., LTD. Jul 2017 Director, VALUEDESIGN (MALAYSIA) SDN. BHD. Jul 2018 Director, ValueDesign Service Pvt. Limited Apr 2022 Director, the Company Jun 2022 Representative Director, President, the Company Sep 2023 Director, VALUEDESIGN SINGAPORE PTE. LTD. (now WEARTOPAY PTE. LTD.) (current) Nov 2025 Director, the Company (current)

1967-10-11

Koji SUZUKI

Outside Director

Apr 1995 Joined Nihon Brain Center Co., Ltd. Jan 2000 Director, En Japan Inc. Jun 2008 Representative Director, President, En Japan Inc. Sep 2010 Director, Wall Street Associates Co., Ltd. (now EN World Japan Co., Ltd.) Apr 2013 Director, Navigos Group Vietnam Joint Stock Company Apr 2015 Representative Director, President and Executive Officer, En Japan Inc. Mar 2017 Representative Director, Chairman, EN World Japan Co., Ltd. Apr 2020 Chairman, Navigos Group Vietnam Joint Stock Company Oct 2023 Director, Future Focus Infotech Pvt. Ltd. Apr 2024 Director, EN SX Co., Ltd. Apr 2025 Director, En Japan Inc. May 2025 Representative Director, President, B-BLUE Partners Co., Ltd. (current) Nov 2025 Outside Director, the Company (current)

1971-01-03

Masaharu INOUE

Director, Audit and Supervisory Committee Member

Apr 1984 Joined Sumitomo Bank, Ltd. (now Sumitomo Mitsui Banking Corporation) Apr 2000 Registered as attorney-at-law; joined Tanaka Sogo Law Office Oct 2000 Joined Matsushima Sogo Law Office Dec 2001 Outside Audit & Supervisory Board Member, Soken Medical Institute Co., Ltd. (now Soken Holdings Co., Ltd.) Sep 2009 Joined Mercury General Law Office (current) Oct 2010 Outside Director, Sanyo Electric Logistics Co., Ltd. (now Mitsui-Soko Logistics Co., Ltd.) Nov 2012 Outside Audit & Supervisory Board Member, the Company Mar 2016 Outside Director (Audit and Supervisory Committee Member), KLab Inc. (current) Apr 2016 Outside Director (Audit and Supervisory Committee Member), SKIYAKI Inc. (now Space Shower SKIYAKI Holdings Inc.) (current) Jul 2017 Outside Director (Audit and Supervisory Committee Member), Zappallas, Inc. Nov 2017 Outside Director (Audit and Supervisory Committee Member), the Company (current)

1961-07-29

Emi YONEDA

Outside Director, Audit and Supervisory Committee Member

Dec 2004 Joined Shin Nihon & Co. (now EY Shin Nihon LLC) Sep 2013 Representative, Yoneda CPA Office (current) Mar 2018 Director, Japan Professional Football League (J.League) Jan 2021 Representative, N-One General Incorporated Association (current) Jun 2021 Director, Handball League General Incorporated Association Jul 2021 Director, Japan Fencing Federation Nov 2021 Outside Director (Audit and Supervisory Committee Member), the Company (current) Mar 2022 Outside Director, Direct Marketing Mix Inc. (current) Jun 2022 Audit & Supervisory Board Member, Yokowo Co., Ltd. Jun 2024 Outside Director, Yokowo Co., Ltd. (current)

1984-01-20

Yuka ICHIKI

Outside Director, Audit and Supervisory Committee Member

Oct 1993 Joined Kazuo Noda Office Nov 1995 Joined Pasona Inc. May 2001 Joined Maru Co., Ltd. (seconded to Namco Ltd.) May 2005 Joined Namco Ltd. (now Bandai Namco Entertainment Inc.) Apr 2010 General Manager, New Business Division, Bandai Namco Games Inc. (now Bandai Namco Entertainment Inc.) Apr 2016 Director, Bandai Namco Will Co., Ltd. Apr 2020 Joined Sega Sammy Holdings Inc. Apr 2020 Representative Director, President, Sega Sammy Business Support Co., Ltd. Apr 2021 Executive Officer, Sega Sammy Holdings Inc. Aug 2022 Outside Director (Audit and Supervisory Committee Member), UUUM Inc. Nov 2023 Director, Sega Sammy Business Support Co., Ltd. Apr 2024 Fellow, Human Capital Management, Nikkei BP Research Institute Inc. (current) Mar 2025 Outside Director (Audit and Supervisory Committee Member), EPCO Co., Ltd. (current) Nov 2025 Outside Director (Audit and Supervisory Committee Member), the Company (current)

1966-11-14

Large Shareholding Reports

Tsuyoshi MIURA

2026-10-06

16.59%→15.88%

Correction filing (name/detail fix only) — ratio carried over from the original filing

Annual report (as of 2026-02-28): 15.61%

Tsuyoshi MIURA

2026-09-30

16.59%→15.88%

Annual report (as of 2026-02-28): 15.61%

Tsuyoshi MIURA

2026-09-30

17.31%→16.59%

Annual report (as of 2026-02-28): 15.61%

Yosuke IWAI

2025-09-12

11.83%→10.82%

Annual report (as of 2026-02-28): 9.44%

Tsuyoshi MIURA

2025-07-31

—

Annual report (as of 2026-02-28): 15.61%

Disclosures

No disclosures

Primary Source Filings

TDnet

2026-10-15

Full-Year Earnings Flash

FY ending Aug 2026

Paycloud Holdings Inc.

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Paycloud Holdings Inc.

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