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Aiful Corporation (8515.T)
Key financial summary
Financials in JPY| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | ¥bn | 121 | 125 | 137 | 156 | 182 | 208 | 221 |
| Operating profit | ¥bn | 46 | 37 | |||||
| Net profit | ¥bn | 18 | 12 | 22 | 22 | 23 | 27 | 34 |
| EPS reported | ¥ | 56.63 | 70.16 | |||||
| Operating cashflow per share | ¥ | -119.4 | -116.7 | |||||
| Capex per share | ¥ | 2.51 | 1.82 | |||||
| FCF per share | ¥ | -122.0 | -118.5 | |||||
| Free cash flow | ¥bn | -58 | -57 | |||||
| Net debt | ¥bn | 806 | 862 | |||||
| Book value equity | ¥bn | 241 | 245 | |||||
| Book value per share | ¥ | 504.0 | 510.8 | |||||
| Number of shares | m | 478.94 | 478.99 | |||||
| DPS (TTM paid) | ¥ | 25.00 | 6.00 |
Financial summary
Financials in JPY| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 8.00 | 6.78 | |||||
| P/B LTM | x | 0.90 | 0.89 | |||||
| P/S LTM | x | 1.04 | 0.98 | |||||
| P/FCF LTM | x | -3.71 | -3.82 | |||||
| EV/EBITDA LTM | x | 19.38 | 24.44 | |||||
| EV/Sales LTM | x | 4.91 | 4.89 | |||||
| Earnings Yield LTM | % | 12.50% | 14.75% | |||||
| FCF Yield | % | -26.92% | -26.16% | |||||
| Quality | ||||||||
| ROE | % | 11.24% | 14.11% | |||||
| ROIC | % | 2.20% | 1.95% | |||||
| Operating margin | % | 21.94% | 16.76% | |||||
| Gross margin | % | 75.93% | 84.10% | |||||
| FCF/Sales | % | -28.03% | -25.73% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +20.72% | +47.55% | |||||
| Sales Growth YoY | % | +14.30% | +12.56% | |||||
| Net Income Growth YoY | % | +20.47% | +47.35% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | +36.23% | +29.04% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 1.54% | 1.26% | |||||
| Dividend Growth | % | +108.33% | - | |||||
| Payout Ratio | % | 12.36% | 17.10% | |||||
| FCF/Debt | x | -0.07 | -0.06 | |||||
| Net Debt/EBITDA | x | 15.27 | 19.52 | |||||
| EBIT/Net interest | x | 3.93 | 0.00 | |||||
| Net debt/market cap | % | 371.32% | 397.12% | |||||
| Net debt/Equity | x | 3.34 | 3.52 | |||||
| Gross debt/equity | x | 3.51 | 3.71 | |||||
Company overview
Headquartered in Kyoto, Japan, Aiful Corporation specializes in consumer finance and credit guarantee services across the nation. The company offers a comprehensive suite of financial products, including a variety of loans such as unsecured, secured, small business, used car, and medical financing, alongside credit and prepaid cards. Its extensive service portfolio further encompasses credit guarantees, debt collection, venture capital activities, receiving agent roles, corporate turnaround and restructuring, warehouse and document management, and leasing. Aiful also facilitates post-payment settlements, factoring, and installment credit sales. As of March 31, 2021, its operational footprint included 20 branches. Founded in 1967, the company initially operated as Marutaka, Inc., before officially adopting the name Aiful Corporation in May 1982.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Aiful Corporation (8515.T)
Headquartered in Kyoto, Japan, Aiful Corporation specializes in consumer finance and credit guarantee services across the nation. The company offers a comprehensive suite of financial products, including a variety of loans such as unsecured, secured, small business, used car, and medical financing, alongside credit and prepaid cards. Its extensive service portfolio further encompasses credit guarantees, debt collection, venture capital activities, receiving agent roles, corporate turnaround and restructuring, warehouse and document management, and leasing. Aiful also facilitates post-payment settlements, factoring, and installment credit sales. As of March 31, 2021, its operational footprint included 20 branches. Founded in 1967, the company initially operated as Marutaka, Inc., before officially adopting the name Aiful Corporation in May 1982.
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