Plaid Inc
TSE:4165

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Plaid Inc Logo
Plaid Inc
TSE:4165
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Price: 1 481 JPY -0.13% Market Closed
Market Cap: 60B JPY
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Intrinsic Value

The intrinsic value of one Plaid Inc stock under the Base Case scenario is 1 005.41 JPY. Compared to the current market price of 1 481 JPY, Plaid Inc is Overvalued by 32%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

Intrinsic Value
1 005.41 JPY
Overvaluation 32%
Intrinsic Value
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Base Case
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Plaid Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Plaid Inc

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Financials
Annual
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Balance Sheet Decomposition
Plaid Inc

Current Assets 6.4B
Cash & Short-Term Investments 4.8B
Receivables 1.1B
Other Current Assets 509.4m
Non-Current Assets 847.2m
Long-Term Investments 50.6m
PP&E 73.5m
Intangibles 299.3m
Other Non-Current Assets 423.8m
Current Liabilities 3.4B
Accounts Payable 2.5m
Short-Term Debt 100m
Other Current Liabilities 3.3B
Non-Current Liabilities 824m
Long-Term Debt 734.1m
Other Non-Current Liabilities 90m
Efficiency

Earnings Waterfall
Plaid Inc

Revenue
10.4B JPY
Cost of Revenue
-2.9B JPY
Gross Profit
7.5B JPY
Operating Expenses
-7.6B JPY
Operating Income
-167m JPY
Other Expenses
-1.2B JPY
Net Income
-1.4B JPY

Free Cash Flow Analysis
Plaid Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

Plaid reported robust Q1 results for fiscal year 2024, with a near 30% growth rate in both consolidated and nonconsolidated sales, notably a 28.8% rise in nonconsolidated sales. The company achieved an adjusted operating margin of 7.6%, contributing to a total margin of 36.4%. Group companies displayed even higher growth, exceeding 70%, promising additional expansion. This performance is in line with the set targets, with the first quarter's progress towards annual sales goals at 23.7%. Q1's net sales reached JPY 2.53 billion, a 29.7% increase, driven by service and consulting sales. Subscription sales also grew by 22.6%. Despite investments in R&D and human resources, Plaid maintains healthy cash reserves (JPY 2.33 billion) and an equity ratio over 40%, indicating a strong balance sheet. Their SaaS gross profit margins exceeded 75%, and net revenue retention for existing customers increased to 106.8%. Plaid closed Q1 with a nonlinear JPY 44 million profit and is optimistic about exceeding its fiscal yearly profit projections.

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Fundamental Scores

Profitability Score
Profitability Due Diligence

Plaid Inc's profitability score is 30/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Exceptional 3-Years Revenue Growth
Exceptional Revenue Growth Forecast
Exceptional 1-Year Revenue Growth
30/100
Profitability
Score

Plaid Inc's profitability score is 30/100. The higher the profitability score, the more profitable the company is.

Solvency Score
Solvency Due Diligence

Plaid Inc's solvency score is 63/100. The higher the solvency score, the more solvent the company is.

High Altman Z-Score
Negative Net Debt
Low D/E
Short-Term Solvency
63/100
Solvency
Score

Plaid Inc's solvency score is 63/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

Price Targets Summary
Plaid Inc

Wall Street analysts forecast Plaid Inc stock price to drop over the next 12 months.

According to Wall Street analysts, the average 1-year price target for Plaid Inc is 754.8 JPY with a low forecast of 747.4 JPY and a high forecast of 777 JPY.

Lowest
Price Target
747.4 JPY
50% Downside
Average
Price Target
754.8 JPY
49% Downside
Highest
Price Target
777 JPY
48% Downside
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Dividends

Plaid Inc
does not pay dividends
Shareholder Yield

Current shareholder yield for Plaid Inc is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
No dividends
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Profile

Plaid Inc Logo
Plaid Inc

Country

Japan

Industry

Technology

Market Cap

60B JPY

Dividend Yield

0%

Description

PLAID, Inc. operates as a holding company with an interest in software development business. The company is headquartered in Chuo-Ku, Tokyo-To and currently employs 262 full-time employees. The company went IPO on 2020-12-17. The firm is engaged in the development of the CX platform KARTE. By incorporating KARTE into websites and smartphone applications operated by businesses, businesses collect and analyze data on the behavior of users who visit those websites and smartphone applications, organize and visualize data on a user-by-user basis, and personalize communication via websites, smartphone applications, emails and chats to each user or user segments. The firm is also engaged in the operation of a media called XD to provide information on the Internet.

Contact

TOKYO-TO
Chuo-Ku
10F, Ginza Six, 6-10-1, Ginza
+815054348563.0
plaid.co.jp

IPO

2020-12-17

Employees

262

Officers

CEO, Executive Officer, Head of KARTE Division & Representative Director
Mr. Kenta Kurahashi
CPO, Executive Officer, Head of Lab Division & Director
Mr. Naoki Shibayama
Executive Officer, Head of Ecosystem Division & Director
Mr. Keitaro Takayanagi
Executive Officer
Tomoe Kitai

See Also

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What is the Intrinsic Value of one Plaid Inc stock?

The intrinsic value of one Plaid Inc stock under the Base Case scenario is 1 005.41 JPY.

Is Plaid Inc stock undervalued or overvalued?

Compared to the current market price of 1 481 JPY, Plaid Inc is Overvalued by 32%.

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