Information Planning CO. LTD. (IPNAF) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Information Planning CO. LTD. $7.25, price $5.75, upside +26.1%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
46‑month range $2.48 – $850,842 · fair‑value band $4.70 – $10.45 · the $5.75 price screens below the $7.25 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Information Planning CO., LTD. provides system consulting services primarily for financial institutions in Japan.
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Information Planning CO., LTD. provides system consulting services primarily for financial institutions in Japan. The company offers credit risk solutions, including comprehensive financial statement reading, financial analysis and loan decision support, real estate collateral evaluation management, corporate rating, sole proprietor rating, delinquent management system, self-assessment support, credit risk qualification and asset calculation systems, as well as bad debt record rate calculation and receivable write-off reserve management systems. It also provides loan-related and customer management solutions, such as loan approval support, contract create support, electronic contract, business evaluation support, management plan formulation support, sale support, sales branch support, and general approval support systems; and general affairs and accounting related solutions comprising fixed asset, accounting support, securities, capital investment, and expense payment administrative support management systems. In addition, the company engages in the real estate leasing and management activities; and provision of development, planning, and system data entry services. Information Planning CO., LTD. was incorporated in 1986 and is headquartered in Tokyo, Japan.
Stock analysis
Information Planning CO. LTD. (IPNAF) currently trades at $5.75, while our model-based Fair Value estimate is $7.25, implying the stock looks roughly 20.7% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $10.41 per share, and 14 of the 24 models we run sit above the $5.75 price.
Bear case: the Asset-Based group reads lowest at $1.92, and 10 of the 24 models stay below the price. Evidence for this calculation is high.
Scenario range: $4.70 (bear) to $10.45 (bull), the price of $5.75 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 69/100 (solid quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Information Planning CO. LTD. reported revenue of ¥3.8B in FY2025 versus ¥3.1B in FY2021, a compound +5.1%/yr. Reported net income was ¥1.1B in FY2025, compounding +5.5%/yr from FY2021.
Key figures
Market cap $87.0M · P/E ratio 12.0 · P/S ratio 3.36 · EPS (TTM) $0.4800 · Dividend yield 2.5% · Net margin 28.0% · Return on equity 16.9% · Return on assets (EBIT) 19.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 18% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −14% fair-value upside, at 26%, IPNAF screens cheaper than that median.
Fair Value models
Bear $4.70Fair Value $7.25Bull $10.45
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+6.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
Start year 2020 (pandemic). Over 10 years: +5.1% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.4%
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What shareholders gained per year (last 5 years), in JPY ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+11.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.1%
Dividend (yield on the price)2.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.9% vs −4%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.37% → 40%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 6.2%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+20.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in JPY, Japan: IMF forecast 2.1% a year to 2030, 1.3% from 2016 to 2025) that is about +17.7% a year for the price.
Compare Information Planning CO. LTD. with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 721 stocks
Beats the industry median on 12/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside+26% · Above median
Profitability
Return on equity (TTM)17% · Top 25%
Return on assets13% · Top 25%
Net margin (TTM)29% · Top 25%
Operating margin (TTM)37% · Top 25%
Growth and dividend
Revenue growth13% · Above median
Dividend yield (TTM)2.5% · Above median
Valuation Multiplesvs Software - Application median · lower = cheaper
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Is Information Planning CO. LTD. (IPNAF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $7.25 versus the last price from Sep 18, 2026 of $5.75, about +26% upside (undervalued).
What is the fair value of IPNAF?
Our model-based fair value for Information Planning CO. LTD. is $7.25 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): $5.75.
What is the quality score of IPNAF?
Information Planning CO. LTD. has a Quality Score of 69/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Information Planning CO. LTD. (IPNAF)?
Our model-based price target is the fair value of $7.25 (as of Sep 24, 2026) from 24 valuation models. Cautious scenario $4.70, optimistic scenario $10.45. It is a calculation from audited fundamentals, not an analyst target.
What is the Information Planning CO. LTD. stock forecast for 2026?
Our models put fair value at $7.25, about +26% upside versus the last price from Sep 18, 2026 of $5.75 (undervalued). Cautious scenario $4.70, optimistic scenario $10.45. The calculation is refreshed regularly with new filings.
What is the revenue of Information Planning CO. LTD. (IPNAF)?
Information Planning CO. LTD. reported trailing-twelve-month revenue of about ¥4.1B (latest available figure, as of Sep 24, 2026).
Does Information Planning CO. LTD. pay a dividend?
Information Planning CO. LTD. currently shows a dividend yield of about 2.53% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Information Planning CO. LTD. (IPNAF)?
For today's price to be fair in a discounted-cash-flow model, Information Planning CO. LTD. would have to grow free cash flow by +20.2 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of IPNAF use?
Our models discount Information Planning CO. LTD. at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Information Planning CO. LTD. that is +20.2 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has Information Planning CO. LTD. (IPNAF) delivered so far?
Over the past 5 years revenue at Information Planning CO. LTD. grew +4.8 % a year. The price currently implies +20.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Information Planning CO. LTD. (IPNAF) growing?
The median revenue growth in the sector is +3.3 % a year. That is the yardstick for the growth priced into Information Planning CO. LTD. (+20.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Information Planning CO. LTD. (IPNAF)?
The free-cash-flow yield on the price is 3.30 %: that much free cash flow Information Planning CO. LTD. produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Information Planning CO. LTD. (IPNAF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Information Planning CO. LTD. it is $7.25 per share (as of Sep 24, 2026), against a price of $5.75. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Information Planning CO. LTD. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, IPNAF trades below its calculated fair value: price $5.75, fair value $7.25, a gap of about +26% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IPNAF?
No. The price is what the market pays today ($5.75); the fair value is what the company's own numbers justify ($7.25). For Information Planning CO. LTD. the two are $1.50 per share apart. That gap is exactly why we show both numbers side by side.
How much is Information Planning CO. LTD. worth?
The market values Information Planning CO. LTD. at about $87.0M (market capitalisation, as of Sep 24, 2026). Per share that is $5.75; our models calculate a fair value of $7.25 per share.
What do the bullish and bearish scenarios say about IPNAF?
Our models span a range for Information Planning CO. LTD.: cautious scenario $4.70, base $7.25, optimistic $10.45 per share (as of Sep 24, 2026, price $5.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IPNAF?
Information Planning CO. LTD. trades at a price-to-earnings ratio of 12.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.25 is built from several models across several years. Other multiples: P/B 2.0, P/S 3.4, EV/EBITDA 6.1.
How solid is the balance sheet of Information Planning CO. LTD. (IPNAF)?
Balance-sheet figures for Information Planning CO. LTD. (as of Sep 24, 2026): return on equity 16.9%. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is IPNAF from its 52-week high?
Information Planning CO. LTD. trades at $5.75, at its 52-week high of $5.75 and 18% above the low of $4.89 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $7.25 is for.
Which stocks are comparable to Information Planning CO. LTD.?
From the same area (Technology) we also value SAP SE, Shopify Inc, Uber Technologies, Inc, Salesforce, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Information Planning CO. LTD. stock attractive at the current price?
The data as of Sep 24, 2026: price $5.75, calculated fair value $7.25 (+26%), Quality Score 69/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IPNAF calculated?
We run Information Planning CO. LTD. through 24 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $7.25, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Information Planning CO. LTD. currently trades 26 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Information Planning CO. LTD. (IPNAF)?
The latest price we hold is from Sep 18, 2026 and stands at $5.75. Our model-based fair value is $7.25, about +26% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Information Planning CO. LTD. right now?
Solid quality (69/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($4.70 to $10.45) leaves room in how you read the outcome.
Where does the earnings growth of Information Planning CO. LTD. (IPNAF) come from?
Earnings per share at Information Planning CO. LTD. grew −5.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share −10.0 %, EBIT margin +3.7 %, tax rate +0.9 %, residual (interest, one-offs) +0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Information Planning CO. LTD.
How large is the market capitalisation of Information Planning CO. LTD. (IPNAF)?
The market capitalisation of Information Planning CO. LTD. is $87.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Information Planning CO. LTD. (IPNAF)?
The price-to-sales ratio of Information Planning CO. LTD. is 3.36 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Information Planning CO. LTD. (IPNAF)?
Earnings per share at Information Planning CO. LTD. are $0.4800 (price ÷ EPS = P/E 12.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Information Planning CO. LTD. (IPNAF)?
The dividend yield of Information Planning CO. LTD. is 2.5% (payout 30.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Information Planning CO. LTD. (IPNAF)?
The net margin of Information Planning CO. LTD. is 28.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Information Planning CO. LTD. (IPNAF)?
The return on equity (ROE) of Information Planning CO. LTD. is 16.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Information Planning CO. LTD. (IPNAF)?
On an EBIT basis the return on assets of Information Planning CO. LTD. is 19.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Information Planning CO. LTD. (IPNAF)?
The operating margin of Information Planning CO. LTD. is 37.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Information Planning CO. LTD. (IPNAF)?
Revenue at Information Planning CO. LTD. is growing +13.2% versus a year earlier (3y avg +6.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Information Planning CO. LTD. (IPNAF)?
Earnings per share at Information Planning CO. LTD. are growing +10.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Information Planning CO. LTD. (IPNAF) hold?
Information Planning CO. LTD. holds more cash than debt, ¥2.9B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 24, 2026