Information Planning Co. Ltd. (IPNAF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 12.82 means the share price is 12.82 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $87.0M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerInformation Planning Co. Ltd. (IPNAF) trades at $5.75. Information Planning CO., LTD. is a Japanese system consulting firm specializing in solutions for financial institutions. Market cap: $87.0M, Sector: Technology.
Price as of Sep 10, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for IPNAF: IPNAF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates IPNAF against Technology peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
IPNAF: 2/2 scored disciplines lean bullish. Dominant signal: Izzy Englander bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Information Planning Co. Ltd. (IPNAF) Technology Profile & Competitive Position
Information Planning CO., LTD., established in 1986, provides specialized system consulting and software solutions primarily for the Japanese financial sector, offering tools for credit risk management, loan processing, and accounting, while maintaining a focus on real estate leasing and system development services.
What Is the Investment Thesis for IPNAF?
Information Planning CO., LTD. presents a focused investment opportunity within the Japanese financial technology sector. The company's specialization in software solutions for financial institutions, coupled with a dividend yield of 2.12%, may appeal to income-focused investors. A P/E ratio of 12.82 suggests a potentially reasonable valuation relative to earnings. The company's high gross margin of 65.0% and profit margin of 29.0% indicate efficient operations. However, the OTC listing introduces liquidity and regulatory risks. Future growth hinges on expanding its product offerings and maintaining its market share in a competitive landscape. Investors should carefully weigh the company's niche market focus against the risks associated with OTC trading and limited information availability.
Based on FMP financials and quantitative analysis
IPNAF Key Highlights
Market capitalization of $87.0M indicates a small-cap company.
- P/E ratio of 12.82 suggests a potentially reasonable valuation compared to industry peers.
- Profit margin of 29.0% demonstrates efficient operations and profitability.
- Gross margin of 65.0% indicates strong pricing power and cost management.
- Dividend yield of 2.12% offers an income stream for investors.
Who Are IPNAF's Competitors?
IPNAF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| ATSKF Allied Telesis Holdings K.K. | $0.88 | 0.00% | $91.5M | — |
| AVAI Avant Technologies Inc. | $0.10 | -9.82% | $14.0M | — |
| BBYLF Abra Information Technologies Ltd. | $1.02 | +4.58% | $90.8M | — |
| DFORF Celebrus Technologies plc | $1.00 | 0.00% | $37.8M | — |
| IKGPF ikeGPS Group Limited | $0.47 | 0.00% | $88.5M | — |
| WFCF Where Food Comes From, Inc. | $13.20 | +3.94% | $66.5M | 725-pillar |
| IDN Intellicheck, Inc. | $2.62 | +0.77% | $53.1M | 765-pillar |
| TRAK ReposiTrak, Inc. | $7.89 | +0.25% | $143M | 785-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are IPNAF's Key Strengths?
Specialized expertise in financial software solutions.
- Established relationships with Japanese financial institutions.
- High gross and profit margins.
- Dividend-paying stock.
What Are IPNAF's Weaknesses?
Small market capitalization.
- Limited geographic diversification.
- Dependence on the Japanese financial sector.
- OTC listing introduces liquidity and regulatory risks.
What Could Drive IPNAF Stock Higher?
Potential new partnerships to expand market reach.
- Continued demand for financial software solutions due to regulatory changes.
- Launch of new cloud-based services.
- Digital transformation initiatives within the Japanese financial sector.
What Are the Key Risks for IPNAF?
Increased competition from larger software companies.
- Economic downturn in Japan impacting financial institutions.
- Cybersecurity threats targeting financial software.
- Limited liquidity due to OTC listing.
- Changes in financial regulations impacting demand for specific solutions.
What Are the Growth Opportunities for IPNAF?
- Expansion of Credit Risk Management Solutions: The increasing complexity of financial regulations and the growing need for robust risk management systems present a significant growth opportunity. Information Planning CO., LTD. can capitalize on this by enhancing its existing credit risk management products and developing new solutions to address emerging risks. The global market for risk management software is projected to reach $47.4 billion by 2029, offering a substantial addressable market.
- Development of Cloud-Based Solutions: Transitioning to cloud-based software delivery can attract new customers and increase recurring revenue. Cloud solutions offer scalability, flexibility, and cost-effectiveness, which are particularly attractive to smaller financial institutions. The global cloud computing market is expected to reach $1.2 trillion by 2029, indicating a strong demand for cloud-based services.
- Geographic Expansion within Japan: While headquartered in Osaka, Information Planning CO., LTD. can expand its reach to other regions within Japan. Focusing on underserved markets and tailoring solutions to local financial institutions can drive revenue growth. Japan's IT spending is projected to reach $168 billion in 2026, highlighting the potential for growth within the domestic market.
- Strategic Partnerships: Collaborating with other technology providers or consulting firms can expand Information Planning CO., LTD.'s market reach and product offerings. Partnerships can provide access to new customers, technologies, and expertise. Strategic alliances are increasingly important in the technology sector to drive innovation and market penetration.
- AI and Machine Learning Integration: Incorporating artificial intelligence (AI) and machine learning (ML) into its software solutions can enhance their functionality and provide greater value to customers. AI-powered solutions can automate tasks, improve decision-making, and detect fraud more effectively. The global AI market is projected to reach $733.7 billion by 2030, indicating a significant opportunity for AI-driven solutions in the financial sector.
What Are IPNAF's Competitive Advantages?
- Specialized expertise in the Japanese financial industry.
- Established relationships with financial institutions.
- Proprietary software solutions tailored to specific needs.
- High switching costs for customers due to system integration.
What Does IPNAF Do?
Information Planning CO., LTD., founded in 1986 and headquartered in Osaka, Japan, delivers system consulting services with a focus on the financial industry. The company's core offerings include a comprehensive suite of software solutions designed to address critical functions within financial institutions. These solutions span credit risk management, encompassing financial statement registration, collateral and real estate management, self-assessment and delinquency management, and risk measurement tools. Additionally, Information Planning CO., LTD. provides loan-related products that streamline loan approval processes, facilitate contract creation, aggregate benchmark data, evaluate business feasibility, and support public relations initiatives through map systems. The company's portfolio extends to general affairs and accounting solutions, including fixed asset management, settlement business support, anti-social forces information checks, investment management, expense payment office work support, and securities management systems. Furthermore, Information Planning CO., LTD. offers tax and accounting products, such as real-time connection and fixed asset management systems. Beyond software, the company engages in real estate leasing and management activities. They also provide development, planning, and system data input agency services, rounding out their service offerings.
What Products and Services Does IPNAF Offer?
- Provides system consulting services to financial institutions.
- Offers credit risk management software solutions.
- Develops loan-related software products.
- Creates general affairs and accounting software.
- Provides tax and accounting software solutions.
- Engages in real estate leasing and management.
- Offers system development and data input services.
How Does IPNAF Make Money?
- Software licensing and subscription fees.
- Consulting services for system implementation and customization.
- Real estate leasing income.
- Service fees for system development and data input.
What Industry Does IPNAF Operate In?
Information Planning CO., LTD. operates within the application software segment of the technology sector, specifically catering to the financial services industry in Japan. The market for financial software is driven by increasing regulatory requirements, the need for efficient risk management, and the ongoing digital transformation of financial institutions. Competition includes both domestic Japanese firms and international software providers. Information Planning CO., LTD.'s success depends on its ability to provide specialized solutions that meet the unique needs of Japanese financial institutions.
Who Are IPNAF's Key Customers?
- Regional and national financial institutions in Japan.
- Credit unions and cooperative banks.
- Accounting firms and tax advisors.
- Real estate companies.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
- ● Reported in JPY, converted to USD
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 47 |
| 2026-08-26 | 47 |
| 2026-08-29 | 47 |
| 2026-09-01 | 47 |
| 2026-09-04 | 47 |
| 2026-09-07 | 47 |
| 2026-09-10 | 47 |
What changed?
The score has stayed at 47.
Over the same 18 days the stock moved +0.0%.
Company Profile
Information Planning Co. Ltd. operates in the Software - Application industry within the Technology sector. It is headquartered in Tokyo, JP. The company is led by CEO Toshihito Nakatani. IPNAF has traded publicly since 2023.
Information Planning Co. Ltd. Financial Trajectory
Information Planning Co. Ltd. (IPNAF) reported $6.2M in revenue for Q3 FY2026, a decline of 10.9% compared to the prior quarter. The company recorded net income of $1.4M, with diluted EPS of $0.09. Revenue has contracted over three consecutive quarters, which investors in this micro-cap Technology stock should monitor closely. Across the four most recent quarters, IPNAF averaged $0.13 in diluted EPS.
How Information Planning Co. Ltd. Is Valued
Information Planning Co. Ltd. carries a market capitalization of $87.0M, placing it in the micro-cap category.
Key Financial Metrics
Return on equity for Information Planning Co. Ltd. stands at 16.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 13.9%, showing how much profit it generates from its asset base. IPNAF trades at a trailing price-to-earnings ratio of 12.82, below the Technology sector average of ~32.70x. Its free cash flow yield is 3.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 3.63 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 9.2%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Information Planning Co. Ltd.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 8.71 places it in the safe zone, indicating low near-term bankruptcy risk.
IPNAF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Specialized expertise in financial software solutions.
- Established relationships with Japanese financial institutions.
- High gross and profit margins.
- Dividend-paying stock.
Bear Case
- Small market capitalization.
- Limited geographic diversification.
- Dependence on the Japanese financial sector.
- OTC listing introduces liquidity and regulatory risks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 FY2026 | $6M | $1M | $0.09 |
| Q2 FY2026 | $7M | $2M | $0.12 |
| Q1 FY2026 | $7M | $3M | $0.17 |
| Q4 FY2025 | $8M | $2M | $0.15 |
Q3 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Converted to USD from JPY at today's rate
IPNAF Latest News
No recent news available for IPNAF.
IPNAF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for IPNAF.
Price Targets
Wall Street price target analysis for IPNAF.
IPNAF MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for IPNAF; grades run from A+ (80-100) to F (below 30).
Leadership: Toshihito Nakatani
CEO
Toshihito Nakatani serves as the CEO of Information Planning CO., LTD. As CEO, he is responsible for the overall strategic direction and operational management of the company, which employs 142 individuals. His leadership is crucial in navigating the competitive landscape of the financial technology sector in Japan.
Track Record: Due to limited information, Toshihito Nakatani's specific achievements and strategic decisions as CEO cannot be detailed. His tenure and the company's milestones under his leadership require further research to assess his impact on Information Planning CO., LTD.'s performance and growth.
IPNAF OTC Market Information
The OTC Other tier, where Information Planning CO., LTD. trades, represents the lowest tier of the OTC market. Companies in this tier often have limited or no financial disclosure, making it difficult for investors to assess their financial health and operational performance. Unlike companies listed on major exchanges like the NYSE or NASDAQ, OTC Other companies are not subject to stringent listing requirements or regulatory oversight, resulting in higher risks for investors. This tier is typically reserved for companies that are distressed, defunct, or unwilling to meet the reporting standards of higher tiers.
- OTC Tier: OTC Other
- Limited or no financial disclosure.
- Low trading volume and liquidity.
- Lack of regulatory oversight.
- Potential for fraud or manipulation.
- Higher risk of delisting or going out of business.
- Verify the company's registration and legal status.
- Attempt to obtain audited financial statements.
- Research the background and experience of the management team.
- Assess the company's business model and competitive position.
- Evaluate the company's cash flow and financial stability.
- Understand the risks associated with the OTC market.
- Consult with a qualified financial advisor.
- Company has been in business since 1986.
- Focus on providing services to financial institutions.
- Positive gross and profit margins.
- Dividend-paying stock.
IPNAF Technology Stock FAQ
Is IPNAF a good stock?
Stock Expert AI does not rate IPNAF buy, sell or hold. Information Planning Co. Ltd. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about IPNAF stock?
Analyst sentiment on IPNAF is difficult to gauge due to the limited availability of information and its OTC listing. Key valuation metrics include a P/E ratio of 12.82 and a dividend yield of 2.12%.
What are the main risks for IPNAF?
The main risks for Information Planning CO., LTD. include its small market capitalization, dependence on the Japanese financial sector, and OTC listing. Investors should carefully evaluate these risks before investing in IPNAF.
What are the key factors to evaluate for IPNAF?
Evaluate IPNAF on fundamentals, analyst consensus, and risk factors. P/E: 12.82x vs the S&P 500's ~20-25x. Information Planning CO., LTD. Not financial advice.
How frequently does IPNAF data refresh on this page?
IPNAF's price was last updated on Sep 10, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven IPNAF's recent stock price performance?
Information Planning Co. Ltd. (IPNAF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialized expertise in financial software solutions. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider IPNAF overvalued or undervalued right now?
Information Planning Co. Ltd. (IPNAF) trades at 12.82x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of IPNAF?
Yes, most major brokerages offer fractional shares of Information Planning Co. Ltd. (IPNAF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available due to OTC listing and lack of analyst coverage.
- Financial data based on available sources and may not be comprehensive.
- OTC analysis based on general understanding of OTC markets and may not be specific to this company.