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    Packaged software
Information Planning Co., Ltd.

Information Planning Co., Ltd.

TTSE:3712
1,047.00
JPY
+55.00
(+5.54%)
15.94BMarket Cap
Nov 05Next Earn
Information Planning Co., Ltd.
TSE:3712
(Tokyo Stock Exchange)

Recent

price

1,047.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
JPY
91.34
79.93
76.52
80.97
90.35
126.9
150.14
144.17
157.92
170.06
181.24
187.94
192.91
210.9
238.85
254.12
- -
Revenue per Share
6.81
2.68
6.13
10.45
14.06
21.32
31.79
38.88
38.07
42.25
46.16
51.87
51.48
57.63
66.97
71.24
- -
Basic EPS, GAAP
17.55
4.56
14.64
-50.07
23.75
5.63
31.04
34.42
20.22
26.57
8.15
46.07
68.67
37.47
22.52
28.61
- -
Free Cash Flow per Basic Share
4
4.01
4.01
4.01
4
6.55
8.99
10
11.99
14.03
15.99
15.98
18.01
18.02
19.99
22.01
- -
Dividend per Share
108.76
111.96
114.09
120.54
130.6
131.85
154.64
183.52
209.58
237.84
267.99
303.85
337.75
363.41
410.39
459.64
491.26
Book Value per Share
108.1
111.19
113.18
119.72
129.94
130.99
153.71
182.53
208.76
236.88
266.58
302.35
330.58
356.44
404.06
454.08
485.83
Tangible Book Value per Share
20
20
20
20
20
18
17
17
17
17
17
17
17
17
15
15
15
Basic Weighted Avg Shares
1,850
1,619
1,549
1,640
1,830
2,341
2,515
2,415
2,645
2,848
3,036
3,148
3,231
3,528
3,613
3,844
- -
Sales/Revenue/Turnover
17.76
13.51
17.41
23.1
28.07
29.24
32.81
34.65
34.43
35.84
36.79
38.98
38.44
40.07
39.54
39.99
- -
Operating Margin (%)
19
13
11
30
64
58
55
51
55
55
60
66
70
87
101
121
- -
Depreciation Expense
138
54
124
212
285
393
533
651
638
708
773
869
862
964
1,013
1,078
- -
Net Income, GAAP
49.61
36.72
48.67
39.31
40.62
37.37
31.74
22.22
30.02
30.81
30.78
30.68
30.64
31.06
30.03
29.94
- -
Effective Tax Rate (%)
7.45
3.35
8.01
12.91
15.56
16.8
21.18
26.97
24.1
24.85
25.47
27.6
26.68
27.33
28.04
28.04
- -
Profit Margin (%)
1,668
2,148
2,255
1,280
1,597
867
1,295
1,724
1,821
2,003
1,861
2,428
2,951
2,572
2,515
2,722
2,638
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
44
- -
- -
- -
- -
LT Debt
2,202
2,267
2,310
2,441
2,645
2,208
2,590
3,074
3,510
3,984
4,488
5,089
5,657
5,497
6,207
6,952
7,430
Total Equity
6.57
4.97
5.23
8.54
10.68
15.5
20.63
21.62
18.37
17.83
17.18
16.74
15.13
16.58
16.26
15.57
- -
Return on Invested Capital (%)
6.34
2.43
5.42
8.91
11.2
16.21
22.19
23
19.37
18.89
18.25
18.14
15.93
17.17
17.31
16.38
- -
Return on Capital (%)
6.34
2.43
5.42
8.91
11.2
16.21
22.19
23
19.37
18.89
18.25
18.14
16.05
17.29
17.31
16.38
- -
Return on Common Equity (%)

Capital Structure

JPY

•

in mil. unless spec.
Mar'24
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
15
15
15
Market Capitalization
12,523
19,269
15,941

Working Capital

JPY

•

in mil. unless spec.
Mar'24
Dec'26
Mar'26
Total Current Assets
2,910
- -
3,640
Cash, Cash Equivalents & STI
2,373
- -
2,782
Accounts Receivable, Net
513
- -
820
Inventories
10
- -
18
Total Current Liabilities
800
- -
1,002
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.29%
9.33%
12%
Free Cash Flow
78.28%
90.04%
27.07%
Net Income, GAAP
11.07%
6.97%
6.38%
Sales/Revenue/Turnover
5.15%
4.86%
6.39%
Total Cash Common Dividend
10.97%
4.6%
10.09%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
974
755
- -
- -
3,613
2025
- -
- -
- -
- -
3,844
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21.05
10.52
- -
- -
66.97
2025
- -
- -
- -
- -
71.24
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
19.99
2025
- -
- -
- -
- -
22.01
2026
- -
- -
- -
- -
- -
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Business
Information Planning Co., Ltd. is a Japan-based company primarily engaged in the development, planning, and sale of business support systems for financial institutions, including banks, credit unions, credit cooperatives, and other deposit-accepting financial entities. Its core product offerings include credit risk management systems; credit rating systems; financing support systems; loan-related and customer management solutions; billing and collection systems; and system data input agency services. Additionally, the company provides maintenance, data maintenance, and data entry services for the systems it sells. Information Planning also operates a real estate rental segment involved in leasing and managing real estate assets. The company leverages specialized expertise in accounting, taxation, and finance to develop high-reliability software for the financial sector, maintaining a leading industry share. Founded in 1979 and headquartered in Tokyo, Japan, Information Planning maintains its focus on supporting financial institutions with advanced system solutions. Recent major changes include the planned dissolution of a longstanding mutual investment relationship with Kobe Steel, which has been active since 2002, although business collaborations between the two will continue. The company reported a strong financial performance in the fiscal year ending September 2025, with net sales increasing alongside expanded system offerings and ongoing strategic reviews of group policy measures. There are ongoing initiatives to enhance operational efficiency and revisit relationships among group companies. The company continues to prioritize system development and consulting services tailored to the evolving needs of the banking and financial services market. Information Planning’s business segments focus on the system segment—which encompasses planning, development, sales, and maintenance of business support systems for financial institutions—and the real estate rental segment for leasing activities. Its target markets include domestic Japanese financial institutions and cooperative societies, with plans to further strengthen service offerings in loan management, credit risk evaluation, and operational systems to support financial institution workflows. The company employs approximately 140 people and continues to invest in system reliability and functionality to meet stringent market demands. Recent developments emphasize business system improvements and strategic collaborations within the financial technology space.