UPR Corp

UPR Corp's capital structure is characterized by a debt-to-equity ratio of 1.03, indicating a relatively balanced mix of debt and equity financing. The company's liquidity position is assessed as medium, with a current ratio of 1.56, suggesting it has sufficient short-term assets to cover its short-term liabilities. However, the company's net cash position is negative after subtracting total debt, which may pose a liquidity risk.

In terms of profitability, UPR Corp's return on equity (ROE) is 1.83%, and its return on assets (ROA) is 0.75%. These figures are below the typical thresholds for strong performance in the banking sector, indicating that the company is not generating high returns relative to its equity and asset base. The company's price-to-earnings (P/E) ratio of 46.37 is significantly higher than the industry median, suggesting that the market may be valuing the company's earnings at a premium.

UPR Corp's revenue is primarily concentrated in its core banking operations, with no significant diversification across segments or geographic regions disclosed in the available data. This concentration may expose the company to higher risks if its primary market experiences economic downturns or regulatory changes.

The company's growth trajectory is not clearly defined in the available data, as there are no specific revenue growth projections or historical growth rates provided. However, the current mean and median price targets from analysts are 750.00 JPY, which is below the current market price of 975.00 JPY, suggesting a potential downward revision in expectations.

UPR Corp's risk assessment indicates a medium liquidity risk and a low dilution risk. The company's debt-to-equity ratio and negative net cash position highlight potential liquidity challenges, but the low dilution risk suggests that there is minimal threat from share issuance that could dilute existing shareholders' equity. The company's financial structure and risk profile suggest that it may need to manage its debt levels carefully to maintain financial stability.

Recent events and filings do not provide specific details on UPR Corp's operations or strategic initiatives. The company's financial performance and risk profile are primarily derived from its latest financial statements and analyst estimates. There are no recent transcripts or filings that indicate significant changes in the company's business strategy or financial outlook.

The stock trades at a 0.85 price-to-book ratio, indicating a discount to tangible book value for investors.

Total assets grew at a 4.3% compound annual growth rate over the last five years.

Equity expanded with a 6.2% compound annual growth rate over the past five fiscal years.

Revenue demonstrated a positive 4.4% compound annual growth rate across the five-year historical period.

Dilution risk is assessed as low, suggesting limited immediate threat to existing shareholder equity value.

The company faces high credit risk, posing significant potential for future loan loss provisions.

Return on equity of 1.83% falls below the 4.84% median for the corporate financial services cohort.

Free cash flow turned negative in fiscal 2025, declining 125.8% from the prior year.

Revenue ¥3.90B, +3,0% YoY; Operating income +4 170,8% YoY.

• ▍Revenue ¥3.90B, +3,0% YoY
• ▍Operating income +4 170,8% YoY
• ▍Net income +1 424,1% YoY
• ▍Net margin 6.1%

Revenue ¥3.81B, +4,1% YoY; Operating income −34,5% YoY.

• ▍Revenue ¥3.81B, +4,1% YoY
• ▍Operating income −34,5% YoY
• ▍Net income −83,6% YoY
• ▍Net margin 0.5%

Revenue ¥4.04B, +0,2% YoY; Operating income −42,6% YoY.

• ▍Revenue ¥4.04B, +0,2% YoY
• ▍Operating income −42,6% YoY
• ▍Net income +7,4% YoY
• ▍Net margin 4.3%

Revenue ¥3.71B; Operating income ¥114.1M.

• ▍Revenue ¥3.71B
• ▍Operating income ¥114.1M
• ▍Net margin 3.5%

Revenue ¥3.79B; Operating income ¥6.5M.

• ▍Revenue ¥3.79B
• ▍Operating income ¥6.5M
• ▍Net margin 0.4%

Revenue ¥3.66B; Operating income -¥71.6M.

• ▍Revenue ¥3.66B
• ▍Operating income -¥71.6M
• ▍Net margin 3.2%

Revenue ¥4.03B; Operating income ¥138.4M.

• ▍Revenue ¥4.03B
• ▍Operating income ¥138.4M
• ▍Net margin 4.0%

Revenue ¥15.35B, −0,7% YoY; Operating income −78,6% YoY.

• ▍Revenue ¥15.35B, −0,7% YoY
• ▍Operating income −78,6% YoY
• ▍Net income −43,7% YoY
• ▍Free cash flow −125,8% YoY
• ▍Net margin 2.2%

Revenue ¥15.46B, +4,2% YoY; Operating income −36,4% YoY.

• ▍Revenue ¥15.46B, +4,2% YoY
• ▍Operating income −36,4% YoY
• ▍Net income −19,7% YoY
• ▍Free cash flow +54,2% YoY
• ▍Net margin 3.9%

Revenue ¥14.83B, +11,3% YoY; Operating income +51,9% YoY.

• ▍Revenue ¥14.83B, +11,3% YoY
• ▍Operating income +51,9% YoY
• ▍Net income +9,2% YoY
• ▍Free cash flow −126,3% YoY
• ▍Net margin 5.0%

Revenue ¥13.33B, +3,1% YoY; Operating income −2,8% YoY.

• ▍Revenue ¥13.33B, +3,1% YoY
• ▍Operating income −2,8% YoY
• ▍Net income +21,3% YoY
• ▍Free cash flow +480,4% YoY
• ▍Net margin 5.1%