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← CockpitCompetitor Analysis › 7384.T Procrea Holdings,Inc.Open in the cockpit ↗

Procrea Holdings,Inc.7384.TCompetitor analysis, valuation and peers

Japan · JPY·Financials›Regional Banks
Momentum laggard 14
Mkt cap
$638M
US dollars, full cap
Free float
86%
of shares outstanding
$/day
$5.98M
20-day average traded
P/B
0.59×
price to book
ROE
2.4%
delivered
Implied ROE
4.1%
what the price asks
Close · JPY¥3,540
1D-9.1%
1W-15.9%
1M-41.0%
3M-13.0%
6M-1.5%
YTD+62.5%
1Y+105.7%
ATR %7.6%
52w lowhigh41.7% off high

What Procrea Holdings,Inc does

Employees: 2,197

Procrea Holdings,Inc at a glance

Size Procrea Holdings,Inc (7384.T) is a Japan Financials company (Regional Banks) with a market value of $638M, the 942nd largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥3,540 on 6 Nov 2026.

Performance Over six months the shares fell 1.5%, against +10.0% for the median peer and +1.8% for the Japan market (cap-weighted) — 5th lowest of 20 in its peer set.

Growth Revenue grew 24.8% over the last twelve months (peer median +10.3%); the operating margin is 4.3% (peer median 36.6%).

Valuation It trades at 0.59× book value against a peer median of 1.19× (2nd cheapest of 21).

Price implies The share price implies a return on equity of about 4.1%; Procrea Holdings,Inc delivers 2.4%, so the price asks more than the business earns today.

Relative performance

10012515017511 May 202611 Aug 20266 Nov 2026Peer median 1127384.T 100
Six months, rebased to 100: Procrea Holdings,Inc against the median of its 20 peers (local-currency closes).

Procrea Holdings,Inc financials

Reported figures in JPY; fiscal year ends 2026-03-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue¥78.5B¥74.8B¥59.8B¥56.3B¥61.2B
Revenue growth—+25%+6%-8%—
Net income¥4.07B¥3.78B¥1.23B¥2.82B¥49.0B
Free cash flown/a-¥26.5B¥213B-¥24.0B-¥87.8B
Capital expendituren/a¥3.48B¥8.02B¥9.03B¥2.49B
Total debt¥182B¥306B¥572B¥426B¥481B

Quarterly statements and history in the cockpit →

Procrea Holdings,Inc competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-50%-25%0%+25%+50%-40%-20%0%CAREOMASPCCB8399FBIZMSBIEQUITASBNKACNBIFRRBIBHB8395CWBC7384.T6-month return →1-month return →
Up and to the right = strong over both horizons. Procrea Holdings,Inc is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%10×1.50×CAREOMASPCCBWCCB8399FBIZMSBIEQUITASBNKACNBIFRRBIBHBMYSDCBBANK8395CIVBBCALCWBCUNTYBWB7384.TReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Procrea Holdings,Inc is the large dot.

Capital: ROE delivered against the ROE the price implies

5%10%15%5%10%15%CAREOMASPCCBWCCB8399FBIZMSBIEQUITASBNKACNBIFRRBIBHBMYSDCBBANK8395CIVBBCALCWBCUNTY7384.TROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Procrea Holdings,Inc is the large dot.

Procrea Holdings,Inc competitors and peer comparison

How Procrea Holdings,Inc compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Procrea Holdings,Inc against its 20 peers (data as of 6 Nov 2026)
Measure7384.TPeer medianRank in peer set
1-month return-41.0%+0.2%lowest of 21
6-month return-1.5%+10.0%5th lowest of 20
Return on equity2.4%11.1%2nd lowest of 21
Price / book0.59×1.19×2nd cheapest of 21
Trailing P/E24.6×10.9×most expensive of 20
ROE the price implies4.1%9.7%least demanding of 21
ROE delivered2.4%11.2%2nd lowest of 21

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Procrea Holdings,Inc 7384.TJapan$638M-2%+25%2%0.59×4.1%2.4%
Carter Bankshares CAREUnited States$634M+9%+40%28%1.20×8.8%27.5%
Oma Savings Bank OMASP.HEFinland$643M+47%-20%7%0.92×5.0%6.6%
Coastal Financial CCBUnited States$653M-41%+10%-1%1.37×10.8%-0.8%
West Coast Community Bancorp WCCBUnited States$653Mn/a+6%15%1.62×9.1%15.0%
Bank Of The Ryukyus,Limited 8399.TJapan$655M-3%+19%7%0.68×5.3%6.5%
First Business Financial Services FBIZUnited States$618M+31%+4%15%1.58×11.2%14.9%
Midland States Bancorp MSBIUnited States$660M+12%-21%10%1.57×11.0%10.2%
Equitas Small Finance Bank EQUITASBNK.NSIndia$662M-25%+15%11%0.95×15.4%11.4%
ACNB ACNBUnited States$667M+22%+15%13%1.58×13.1%13.4%
Banca IFIS IF.MIItaly$673M-53%+68%13%0.30×5.2%13.0%
Red River Bancshares RRBIUnited States$682M+14%+7%13%1.78×10.0%13.0%
Bar Harbor Bankshares BHBUnited States$688M+17%+16%11%1.28×9.3%10.7%
Mystate MYS.AXAustralia$591M+12%+27%8%1.12×10.2%7.5%
DCB Bank DCBBANK.NSIndia$688M+8%+10%13%0.94×16.4%13.0%
Bank of Saga 8395.TJapan$589M+10%+16%8%0.72×5.2%8.2%
Civista Bancshares CIVBUnited States$587M+13%+5%11%1.06×8.4%10.9%
California BanCorp BCALUnited States$696M+13%-4%10%1.20×7.5%10.2%
Community West Bancshares CWBCUnited States$705M+8%+23%7%1.17×10.1%6.7%
Unity Bancorp UNTYUnited States$575M+7%+10%17%1.48×10.4%17.1%
Bridgewater Bancshares BWBUnited States$568M+10%+10%12%1.19×9.0%11.5%

Questions

Which companies are Procrea Holdings,Inc's closest peers?
The cockpit's peer set: Carter Bankshares (CARE), Oma Savings Bank (OMASP.HE), Coastal Financial (CCB), West Coast Community Bancorp (WCCB), Bank Of The Ryukyus,Limited (8399.T), First Business Financial Services (FBIZ), Midland States Bancorp (MSBI), Equitas Small Finance Bank (EQUITASBNK.NS).
Is Procrea Holdings,Inc expensive compared with its peers?
On price / book it trades at 0.59× against a peer median of 1.19×, 2nd cheapest of 21 in its peer set. The share price implies a return on equity of about 4.1%; Procrea Holdings,Inc delivers 2.4%, so the price asks more than the business earns today.
How has Procrea Holdings,Inc stock performed?
Over six months to 6 Nov 2026 the shares returned -1.5% against +10.0% for the median peer; over one year +105.7%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.