Procrea Holdings, Inc. (7384.T)
ValueMarkers Composite Index
96% below intrinsic value ($580)
Procrea Holdings, Inc. (7384.T) — VMCI valuation read
Procrea Holdings, Inc. sits at VMCI 53/100, with the Financial Services sector median at 50. That 3-point spread is the first thing to note on 7384.T: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on 7384.T are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on 7384.T: 7384.T trades at 26.0x earnings, 44% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 0.6x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
7384.T fell 3.1% over the trailing 7 days, with a -13.3% read on a 30-day basis.
Procrea Holdings,Inc. operates as a holding company for The Aomori Bank,Ltd. and The Michinoku Bank,Ltd. that provides banking products and services. It offers credit cards, credit guarantees, and credit management and collection services; and engages in consulting, leasing, and real estate management business. The company was incorporated in 2022 and is headquartered in Aomori, Japan.
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