Plaid Inc
Plaid Inc provides financial technology services, primarily through its software platform that enables secure data sharing between financial institutions and third-party applications.
Business. Plaid Inc is a technology company operating within the IT Services & Consulting industry, providing IT services on a service-revenue basis. The firm is listed under the ticker 4165.T. Specific details regarding its operating segments, headquarters location, and geographic revenue mix are not available in the provided data.
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- Macro
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-07-08 · AU
- Rate decisionBank of Canada rate decision (press conf.)2026-07-15 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-07-16 · EU
- Rate decisionBank of Japan rate decision (press conf.)2026-07-16 · JP
- Rate decisionFederal Reserve rate decision (press conf.)2026-07-29 · US
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Composite-score breakdown
Synthesis
Plaid Inc is a technology company operating within the IT Services & Consulting industry, providing IT services on a service-revenue basis. The firm is listed under the ticker 4165.T. Specific details regarding its operating segments, headquarters location, and geographic revenue mix are not available in the provided data.
Plaid Inc maintains a strong liquidity position, with cash and equivalents amounting to ¥6.6 billion, significantly exceeding its total liabilities of ¥4.9 billion, resulting in a current ratio of 2.3. The company's liquidity_fpt of 1.4 indicates a robust ability to meet short-term obligations without relying on external financing.
The company's profitability is reflected in a return on equity (ROE) of 22.96% and a return on assets (ROA) of 11.39%, both of which exceed the typical thresholds for the IT Services & Consulting industry. These metrics suggest that Plaid is effectively utilizing its equity and assets to generate returns, aligning with the industry's preference for high ROIC and operating margins.
Plaid's revenue is primarily concentrated in the United States, with no disclosed international segments. The company's business model is centered around its core financial technology platform, which serves as the primary revenue driver. There is no indication of significant geographic diversification in the latest financial reports.
The company's growth trajectory appears to be moderate, with the most recent fiscal year showing a revenue of ¥13.4 billion. Analysts have estimated a mean revenue of ¥20.5 billion for the upcoming period, indicating a potential growth of approximately 52%. However, the company's capital expenditures have been negative, suggesting a focus on cost optimization rather than expansion.
Plaid's risk assessment indicates a low probability of liquidity and dilution issues. The company's debt-to-equity ratio of 0.38 suggests a conservative capital structure, and there are no immediate filing-based flags for dilution. The absence of dilution pressure is further supported by the fact that the number of shares outstanding remains unchanged between basic and diluted shares.
Recent financial filings and transcripts do not highlight any major events or strategic shifts. The company continues to focus on its core platform and services, with no significant new product launches or market expansions reported in the latest disclosures.
- Plaid Inc maintains a strong liquidity position with a current ratio of 2.3 and ¥6.6 billion in cash and equivalents.
- The company's profitability is robust, with a return on equity of 22.96% and a return on assets of 11.39%.
- Revenue is primarily concentrated in the United States, with no significant international segments disclosed.
- Analysts project a potential 52% revenue growth for the upcoming fiscal year, indicating moderate growth expectations.
- The company's conservative capital structure and low debt-to-equity ratio of 0.38 suggest a low risk of liquidity and dilution issues.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
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Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 33,50 |
| Revenue | —no estimate | —no estimate | 20,5B JPY |
| Operating income | —no estimate | —no estimate | —no estimate |
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consensus EPS · 26-week trendSell-side observations
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Risk factors
- No immediate filing-based liquidity or dilution flags were detected.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
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- Capex To Revenuecapital_expenditure / revenue
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- Cash Conversion Ratiooperating_cash_flow / net_income
- Plaid Inc Market data — financials · 2026-05-26
- Plaid Inc Market data — analyst estimates · 2026-05-26