User Local, Inc.

3984.T
Information Technology Services
2026/08/21 Updated
Market Cap: $158.6M (¥25.2B)
Stock Price: $10.15 (¥1,613)
Exchange Rate: 1 USD = ¥158.98

Stock Price Chart

2026/08/21 Updated
15.73
PER (Price Earnings Ratio)
vs Industry Avg: +6.2
2.69
PBR (Price to Book Ratio)
vs Industry Avg: +1.4
1.93%
Dividend Yield
vs Industry Avg: -1.02%

Price Trend

2026/08/21 Updated
Short-term
5-Day MA
+1.96%
Near-term
25-Day MA
-5.56%
Mid-term
75-Day MA
-6.47%
Long-term
200-Day MA
-7.02%

Price & Trading Details

2026/08/21 Updated

PRICE

Previous Close ¥1,556
Open ¥1,551
High ¥1,613
Low ¥1,550
Close ¥1,613

TRADING

Volume 89,600
Average Volume 120,087
Turnover ¥1億
Min. Purchase ¥161,300

Shareholder Composition

Updated 2026/08/01
46.8%
Insider Holdings
19.0%
Institutional
34.2%
Public Float
29
Institutional Holders
Insider Holdings 46.8%
Institutional 19.0%
Public Float 34.2%

Dividend History

Updated 2026/08/23
-%
Dividend Yield
¥14
Annual Dividend
-41.7%
YoY Growth
15.8%
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

2026/08/23 Updated

Revenue & Profit

Margins

Cash Flow

Financial Health

2022 2023 2024 2025
Income Statement
Revenue ¥2,684M ¥3,289M ¥3,908M ¥4,582M
Gross Profit ¥2,479M ¥3,052M ¥3,569M ¥4,120M
Operating Income ¥1,025M ¥1,372M ¥1,728M ¥1,971M
Pretax Income ¥1,025M ¥1,372M ¥1,728M ¥1,971M
Net Income ¥722M ¥954M ¥1,186M ¥1,429M
EPS ¥44.73 ¥59.21 ¥73.57 ¥88.71
Operating Margin 38.18% 41.73% 44.22% 43.03%
Balance Sheet
Total Assets ¥6,239M ¥7,212M ¥8,835M ¥9,971M
Total Equity ¥5,538M ¥6,340M ¥7,725M ¥8,699M
Total Liabilities ¥701M ¥872M ¥1,110M ¥1,272M
Cash ¥5,320M ¥6,367M ¥7,677M ¥8,546M
Interest-bearing Debt - - - -
Equity Ratio 88.77% 87.92% 87.43% 87.24%
D/E Ratio 0.00 0.00 0.00 0.00
Cash Flow
Operating CF ¥912M ¥1,313M ¥1,545M ¥1,806M
Investing CF -¥120M -¥28M -¥199M -¥260M
Financing CF -¥167M -¥238M -¥37M -¥677M
Free CF ¥869M ¥1,290M ¥1,528M ¥1,547M
Efficiency
ROE 13.03% 15.05% 15.35% 16.43%
ROA 11.57% 13.23% 13.42% 14.34%

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

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