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Overview

Information & Communication

Finatext Holdings Ltd.

Finatext Group operates under the mission of 'Reinventing Finance as a Service,' providing next-generation cloud-based SaaS core systems to financial service providers across securities (BaaS), insurance (Inspire), and credit (Crest) verticals. The company enables non-financial retail businesses and incumbent financial institutions to launch or modernize financial services at significantly reduced cost and time-to-market, with initial investment reductions of up to 80-90% compared to traditional in-house development. In addition to its Financial Infrastructure segment, the group offers Fintech Solutions (DX consulting and digital marketing for financial institutions) and Big Data Analytics services (data licensing, analysis support, and AI solutions).

Market Cap

¥72.9B

US$465M

¥69.8B

US$445M

Stock¥1,405▼-4.49%

US$1 = ¥156.80 (2026-10-23)

LTM EV/EBITDA

34.0

LTM EV/EBIT

37.0

LTM PER

42.6

LTM PBR

6.6

Stock vs TOPIX (1Y, base=100)vs TOPIX ▼-4.8%pt

Oct 24, 25 – Oct 23, 26StockTOPIX

1Aug 13, 26Q1 FY2027/03 earnings announced

MC → EV Bridge

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Performance & Balance

Revenue 5Y (¥B)

EBITDA 5Y (¥B)

Net Income 5Y (¥B)

Capital Structure

88%

EquityD/E 0.13xDebt

Liquidity vs Debt 5Y (¥B)▲ Net Cash

CashInv. Sec.Debt

Shareholders

Top 10 hold 65.3%

as of 2026-03-31 · Source: Annual Securities Report

Ryota HAYASHI

36.50%

Custody Bank of Japan, Ltd. (Trust Account)

7.80%

au Financial Holdings Corporation

6.20%

INDUS JAPAN LONG ONLY MASTER FUND, LTD (Standing Proxy: The Hongkong and Shanghai Banking Corporation Limited, Tokyo Branch)

3.00%

GCI Capital Inc.

2.50%

Nomura Securities Co., Ltd.

2.30%

Yuichiro ITO

2.30%

Nikkei Inc.

1.80%

The Master Trust Bank of Japan, Ltd. (Trust Account)

1.60%

Masafumi TODA

1.30%

Management

7 officers

Ryota HAYASHI

Representative Director, President and CEO

Mar 2008 Graduated from the Faculty of Economics, The University of Tokyo Sep 2009 Joined Deutsche Bank AG, London Dec 2012 Joined GCI Asset Management Inc. Dec 2013 Co-founded Finatext Ltd. (now the Company); Representative Director (current) Feb 2016 Director, Teqnological Inc. (current) Aug 2016 Representative Director, Nowcast Inc. Sep 2016 Director, Finatext Taiwan Ltd. Dec 2016 Director, Finatext UK Ltd. Feb 2017 Director, Finatext Malaysia Sdn. Bhd. Mar 2017 Director, Smart Plus Co., Ltd. (current) Aug 2017 Director, LightStream Research Inc. Dec 2018 Representative Director, Finatext Ltd. Feb 2019 Director, Finatext Ltd. (current) Feb 2019 Director, Nowcast Inc. (current) Apr 2019 Director, Smart Plus Micro-Short-Term Insurance Co., Ltd. (current) Aug 2019 Director, K-ZONE Inc. Apr 2022 Director, Smart Plus Credit Co., Ltd.

1985-12-14

Yuichiro ITO

Director, CFO

Mar 2010 Graduated from the Faculty of Economics, The University of Tokyo Apr 2010 Joined UBS Securities Japan Co., Ltd. Aug 2016 Joined Finatext Ltd. (now the Company) Aug 2016 Director, Nowcast Inc. (current) Sep 2016 Director, the Company (current) Dec 2016 Director, Finatext UK Ltd. Mar 2017 Director, Smart Plus Co., Ltd. (current) Aug 2017 Director, LightStream Research Inc. Dec 2018 Director, Finatext Ltd. (current) Apr 2019 Director, Smart Plus Micro-Short-Term Insurance Co., Ltd. Apr 2022 Director, Smart Plus Credit Co., Ltd. (current)

1986-05-13

Satoshi TAJIMA

Director, CTO and CISO

Mar 2012 Graduated from the School of Information and Communication, Meiji University Apr 2012 Joined VOYAGE GROUP, Inc. (now CARTA HOLDINGS, Inc.) Feb 2019 Joined Finatext Ltd. Jun 2022 Director, the Company (current)

1989-08-30

Hideki YAMAUCHI

Director

Mar 1986 Graduated from the Faculty of Economics, The University of Tokyo Apr 1986 Joined Nippon Kogyo Bank, Ltd. (now Mizuho Bank, Ltd.) Apr 2000 Established Global Cyber Investment Inc. (now GCI Asset Management Inc.); Representative Director, CEO (current) Apr 2001 Established Forex Capital Markets Japan (formerly FXCM Japan Securities); Representative Director Jun 2005 Established GCI Capital Inc.; Representative Director (current) Apr 2007 Part-time Lecturer, Faculty of Economics, The University of Tokyo (current) Sep 2016 Director, the Company (current) Dec 2017 Established Kyoto Lab General Incorporated Association; Representative Director (current) Jun 2018 Director, Investment Advisers Association of Japan May 2020 Director, Digika Inc. (now Sorotouch Inc.) (current)

1963-05-12

Mamoru SATO

Full-time Audit & Supervisory Board Member

Mar 1981 Graduated from the Faculty of Economics, Senshu University Apr 1981 Joined Bankers Trust Company Jan 1991 Joined City Trust Bank Ltd. Sep 2002 Chief Financial Officer, same company Jul 2008 Chief Financial Officer, CFJ LLC May 2010 Full-time Audit & Supervisory Board Member, City Card Japan Ltd. and Citibank Japan Ltd. Nov 2011 Full-time Audit & Supervisory Board Member, Citibank Japan Ltd., City Card Japan Ltd. and Citigroup Services Japan Ltd. Dec 2012 Full-time Audit & Supervisory Board Member, City Card Japan Ltd. and Citibank Japan Ltd. Jan 2017 Full-time Audit & Supervisory Board Member, Citibank Japan Ltd. and Citigroup Global Markets Japan Inc. Apr 2018 Full-time Audit & Supervisory Board Member, Citigroup Global Markets Japan Inc. Jul 2019 Full-time Audit & Supervisory Board Member, the Company (current) Dec 2019 Audit & Supervisory Board Member, Smart Plus Micro-Short-Term Insurance Co., Ltd. (current) Feb 2020 Audit & Supervisory Board Member, Finatext Ltd. (current)

1957-07-17

Ryosuke NOMURA

Audit & Supervisory Board Member

Mar 1997 Graduated from the Faculty of Law, The University of Tokyo Nov 2005 Passed the former bar examination Apr 2006 Entered the Legal Training and Research Institute of the Supreme Court of Japan Sep 2007 Registered as attorney-at-law (Tokyo Bar Association) Sep 2007 Joined Miyazawa Jun Law Office Sep 2009 Joined Hironaka & Associates Sep 2009 Audit & Supervisory Board Member, ECNavi Inc. (now Carta Holdings, Inc.) Oct 2013 Joined Kikkawa Law Office Jan 2016 Joined Akarenga Law Office, Attorney Corporation Sep 2017 Audit & Supervisory Board Member, Retriva Inc. (current) Jun 2018 Joined Edison Law Office (current) Feb 2020 Audit & Supervisory Board Member, the Company (current) Mar 2021 Audit & Supervisory Board Member, Sanyo Home Co., Ltd. (now Sanyo Realty Co., Ltd.) May 2023 Audit & Supervisory Board Member, FindJapan Inc. Oct 2024 Audit & Supervisory Board Member, BioPhenoMA Inc. (current) Aug 2025 Audit & Supervisory Board Member, forest Inc. (current)

1972-05-05

Hisae KATAOKA

Audit & Supervisory Board Member

Mar 1981 Graduated from the Faculty of Economics, Keio University Apr 1981 Joined TOTO Ltd. Sep 1987 Joined Sanwa Horigane Aoki Audit Corporation (now Deloitte Touche Tohmatsu LLC) Jul 2012 Chiba Office Managing Partner, same firm Jul 2015 Yokohama Office Managing Partner, same firm Oct 2020 Established Hisae Kataoka CPA Office; Principal (current) Oct 2020 Venture Partner, UTEC Partners Co., Ltd. Dec 2020 Audit & Supervisory Board Member, ROMS Inc. (current) Feb 2021 Audit & Supervisory Board Member, the Company (current) Apr 2021 Audit & Supervisory Board Member, Startburn Inc. (current) Jan 2022 Managing Partner, Bloom Audit Corporation (current) Jun 2022 Director (Audit and Supervisory Committee Member), Nomura Micro Science Co., Ltd. (current) Mar 2023 Audit & Supervisory Board Member, SBI Biotech Co., Ltd. (current)

1959-01-29

Large Shareholding Reports

au Financial Holdings Co., Ltd.

2026-01-13

6.57%→6.17%

Annual report (as of 2026-03-31): 6.20%

Disclosures

No disclosures

Primary Source Filings

TDnet

2026-08-12

Q1 Earnings Flash

FY ending Mar 2027

Finatext Holdings Ltd.

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Finatext Holdings Ltd.

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