Net Protections Holdings, Inc. (7383) Stock Price

Net Protections Holdings operates primarily in the payment solutions business segment. This business is centered on BNPL (Buy Now Pay Later) payment services, which began in 2002. Net Protections Holdings has four consolidated subsidiaries—Net Protections Inc., NP Finance Inc., NP Taiwan, Inc., and Net Protections Vietnam Co., Ltd.—and conducts business through these entities.

The company's payment solutions business is divided into services for B2C and B2B transactions. For B2C customers, the company offers services including "NP Postpay," "atone," "NP Postpay air," and "AFTEE." These services do not require credit card information entry and allow purchasers to pay after receiving their products, making them secure and easy to use.

For B2B transactions, the company provides "NP Kakekae," a service designed for small-value receivables between businesses. This service requires no advance procedures and enables payment terms aligned with standard business practices, such as end-of-month settlement with payment due the following month-end. This allows selling companies to outsource billing-related tasks including credit assessment, invoice issuance, payment confirmation, and collection, thereby reducing the risk of unpaid receivables.

Through these services, Net Protections Holdings provides BNPL payment solutions that accommodate various transaction formats, including individuals, corporations, e-commerce, and face-to-face sales. This enables customers to outsource a full range of payment-related operations in a single solution, contributing to improved operational efficiency and digital transformation.

Net Protections Holdings has adopted the mission of "Creating the Next Standard" and aims to expand innovative mechanisms across both business operations and organizational structure. Specifically, through its BNPL payment solutions, the company provides an environment where stakeholders can conduct commercial transactions without friction or credit risk concerns. Additionally, the company prioritizes employee growth and motivation by adopting a teal organization model to promote autonomous work execution.

The company formulated its medium-term management plan in May 2024 and updates it annually on a rolling basis. Following the achievement of its operating profit target for the fiscal year ending March 2027, it has set new targets for the period from fiscal year ending March 2026 through March 2028. Specifically, the company aims for GMV exceeding 1 trillion yen and operating profit of 4 billion yen by March 2028, with a three-year operating profit CAGR of 25%.

As part of its growth strategy, the BtoC business will establish "NP Postpaid" as a stable revenue business, with "atone" planned to achieve a CAGR of 50–55%. The BtoB business "NP Invoice Payment" targets a CAGR of 25–30%. Through this portfolio strengthening, the company aims for sustained growth across each business segment.

Net Protections Holdings prioritizes expanding its revenue base and focuses on merchant acquisition and service activation. Through services such as "NP Postpaid" and "atone," the company captures BNPL payment demand in both the e-commerce and in-store retail markets while developing flexible payment solutions.

The company also deepens its proprietary credit assessment system to improve credit evaluation accuracy. By leveraging historical transaction data, it achieves both high credit approval rates and low default rates, providing tailored credit solutions across various industries. This reduces customer credit risk and creates a secure usage environment.

Furthermore, the company strengthens information security and governance. It properly manages critical information assets and ensures comprehensive information protection through internal training and system enhancements. This maintains customer trust and provides a secure service environment.

Finally, the company advances talent development to accelerate business growth. Through teal organization practices, it fosters a culture where employees can work authentically and actively recruits talented individuals with diverse backgrounds. This maintains and improves service quality while driving growth across each business segment.