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Money Forward 3994.T · JPY

Information Technology · Tokyo Stock Exchange · 🇯🇵 Japan

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7,835

+9.50%

Close of 9 Nov 2026, in JPY

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About Money Forward

Its shares trade on Tokyo Stock Exchange under the ticker 3994.T. It has been listed since 29 September 2017. In the fiscal year to 30 November 2025, it reported revenue of ¥50.35bn and net income of ¥1.59bn. At that date it held total assets of ¥127.57bn and shareholders' equity of ¥43.84bn.

Money Forward, Inc. engages in the Internet service development business. The company is headquartered in Minato-Ku, Tokyo-To. The company went IPO on 2017-09-29. is a Japan-based company principally engaged in the platform service business. The firm provides two services. The money forward cloud service is involved in the provision of a cloud enterprise resources planning (ERP) service platform. The platform provides management support for medium-sized and small enterprises to improve efficiency of management and back office operations based on data. The personal financial management (PFM) service is involved in the operation of Money Forward ME platform for solving problems and issues related to personal money through various services.

Figures and description from our data supplier, not checked against the company's own report.

Company facts

Sector
Information Technology
Industry
Software
Listed since
29 Sept 2017
Employees
691

Leadership

Pay as last reported

  • Mr. Yosuke TsujiPresident, Group Chief Executive Officer, President of Subsidiary, Representative Director, since 2012
  • Ms. Yumiko NagaoExecutive Officer, Group Chief Financial Officer, Deputy Chief Director of Corporate Development
  • Ms. Chiaki IshiharaExecutive Officer, Group Chief Human Officer, Chief Director in Main People Forward Unit, Director, since 2023
  • Mr. Takuya NakadeExecutive Officer, Group Chief Technology Officer, Director, since 2017
  • Mr. Shun MatsuokaExecutive Officer, Group Chief Accounting Officer, Chief Director of Accounting
  • Mr. Masayuki MatsuhisaExecutive Officer, Group Chief Information Security Officer, Group Chief Information Officer, Chief Director of Global IT, Manager of CISO Office
  • Mr. Hirokazu BanExecutive Officer, Group Chief Compliance Officer, Manager of President's Office, Manager of Corporate Communication Office, Manager of Internal Audit Office
  • Mr. Naoya KanesakaExecutive Officer, Group CSO, Director, since 2015
  • Mr. Masanobu TakedaExecutive Officer, COO of Money Forward Business Company, Director, since 2018
  • Mr. Aki HiroharaExecutive Officer, Chief Product Officer of Money Forward Business Company
  • Mr. Daisuke ItoExecutive Officer, Group Chief Design Officer, CDO of Money Forward Business Company, Manager of Design Strategy Office
  • Ms. Keiko KanaiExecutive Officer, Group VPoC (VP of Culture), Manager of Corporate Identity Promotion Office

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
47
Environment
10
Social
55
Governance
78
Direct emissions (scope 1)
0 t
Energy emissions (scope 2)
327 t
Women in the workforce
34.3%
Carbon reduction policy
No
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Money Forward Inc has established a strong brand presence in the financial technology industry, particularly in Japan. The company's software solutions are highly regarded for their efficiency and accuracy in managing personal finances and providing budgeting insights.
  • The company benefits from a large user base and a network effect, as more users join the platform, providing valuable data and enhancing the overall user experience. This has enabled Money Forward Inc to continuously refine and improve its offerings.

Weaknesses

  • One weakness of Money Forward Inc is its heavy reliance on the Japanese market. While it has enjoyed significant success in its home country, expanding internationally and diversifying its revenue sources could be challenging.
  • Additionally, the company faces competition from both traditional financial institutions and emerging fintech startups. Staying ahead in an increasingly crowded and rapidly evolving market requires continuous innovation and adaptation.

Opportunities

  • Money Forward Inc has the opportunity to leverage its expertise and expand into adjacent financial technology services, such as investment management, insurance, or even digital banking. This can help the company establish new revenue streams and increase its market share.
  • Moreover, there is a growing demand for improved financial literacy and personal finance management tools globally. Money Forward Inc can capitalize on this trend by expanding its services to other markets and catering to the needs of a wider audience.

Threats

  • One of the primary threats facing Money Forward Inc is the potential entry of large technology giants, such as Google or Apple, into the financial services sector. They have the resources and brand recognition to quickly disrupt the market dynamics and pose a significant challenge to existing players.
  • Furthermore, the regulatory landscape surrounding fintech is constantly evolving. Changes in regulations or compliance requirements can impact Money Forward Inc's operations and add additional complexity and costs to its business.

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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