User Local, Inc.

3984.T
Information Technology Services
2026/10/09 12:26 Updated
Market Cap: $151.2M (¥23.9B)
Stock Price: $9.68 (¥1,532)
Exchange Rate: 1 USD = ¥158.23

Stock Price Chart

2026/10/09 12:26 Updated
15.37
PER (Price Earnings Ratio)
vs Industry Avg: +5.8
2.55
PBR (Price to Book Ratio)
vs Industry Avg: +1.3
1.96%
Dividend Yield
vs Industry Avg: -0.99%

Price Trend

2026/10/09 12:26 Updated
Short-term
5-Day MA
+0.55%
Near-term
25-Day MA
-0.68%
Mid-term
75-Day MA
-6.52%
Long-term
200-Day MA
-8.51%

Price & Trading Details

2026/10/09 12:26 Updated

PRICE

Previous Close ¥1,491
Open ¥1,490
High ¥1,540
Low ¥1,490
Close ¥1,532

TRADING

Volume 36,300
Average Volume 100,358
Turnover ¥55,611,600
Min. Purchase ¥153,200

Shareholder Composition

Updated 2026/10/01
47.6%
Insider Holdings
19.1%
Institutional
33.3%
Public Float
33
Institutional Holders
Insider Holdings 47.6%
Institutional 19.1%
Public Float 33.3%

Dividend History

Updated 2026/10/04
-%
Dividend Yield
¥14
Annual Dividend
-41.7%
YoY Growth
13.5%
Payout Ratio
Year Dividend Change
2026 ¥14 -41.7%
2025 ¥24 +200.0%
2024 ¥8 +100.0%
2023 ¥4 +33.3%
2022 ¥3 -

Financial Performance

2026/10/04 Updated

Revenue & Profit

Margins

Cash Flow

Financial Health

2023 2024 2025 2026
Income Statement
Revenue ¥3,289M ¥3,908M ¥4,582M ¥5,343M
Gross Profit ¥3,052M ¥3,569M ¥4,120M ¥4,756M
Operating Income ¥1,372M ¥1,728M ¥1,971M ¥2,196M
Pretax Income ¥1,372M ¥1,728M ¥1,971M ¥2,196M
Net Income ¥954M ¥1,186M ¥1,429M ¥1,635M
EPS ¥59.21 ¥73.57 ¥89.28 ¥103.93
Operating Margin 41.73% 44.22% 43.03% 41.10%
Balance Sheet
Total Assets ¥7,212M ¥8,835M ¥9,971M ¥11,181M
Total Equity ¥6,340M ¥7,725M ¥8,699M ¥9,446M
Total Liabilities ¥872M ¥1,110M ¥1,272M ¥1,734M
Cash ¥6,367M ¥7,677M ¥8,546M ¥9,749M
Interest-bearing Debt - - - -
Equity Ratio 87.92% 87.43% 87.24% 84.49%
D/E Ratio 0.00 0.00 0.00 0.00
Cash Flow
Operating CF ¥1,313M ¥1,545M ¥1,806M ¥2,238M
Investing CF -¥28M -¥199M -¥260M ¥37M
Financing CF -¥238M -¥37M -¥677M -¥1,072M
Free CF ¥1,290M ¥1,528M ¥1,547M ¥2,179M
Efficiency
ROE 15.05% 15.35% 16.43% 17.31%
ROA 13.23% 13.42% 14.34% 14.62%

Company Information

English Name User Local, Inc.
Japanese Name (株)ユーザーローカル
Stock Code 3984.T (JPX)
Sector / Industry Technology / Information Technology Services
Employees 121

About

User Local, Inc. engages in data cloud business in Japan. The company offers User Insight, a web analytics tool for businesses that supports heat maps; Social Insight, a marketing analysis and management tool for social media; User Local ChatAI, a tool that allows users to use generative AI; and Support Chatbot, a tool that responds to customer inquiries in real time on portal sites and internal chat tools. It also provides Text Mining that analyzes word occurrence rates and sentiment in texts; Automated Summarization Tool that analyzes the structure and summarizes the important parts of the text; Emotion Recognition AI used to extract emotions from text; Future Prediction AI used to predict the future based on past data; Facial Recognition AI for identifying the location of faces in a photo and determines the number of people, age, and gender; Automotive Image Processing AI for blurring the background and license plate from a car image; AI Comment System which supports media operations; Personal Information Anonymization Filter which removes and highlights personal information from the text; and Duplicate Counting Tool that calculates the union, intersection, and difference of two lists. In addition, the company is involved in the research, development, and provision of big data analysis systems and AI systems. User Local, Inc. was incorporated in 2005 and is headquartered in Minato, Japan.

Data provided by Yahoo Finance