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Stock profile

Aiful Corporation (8515.T)

Country: JapanSector: Financial ServicesIndustry: Financial - Credit ServicesExchange: JPX

Delisted · last close 12 Aug 2026

Current price
476.00 JPY+1.93%
Last close 12 Aug 2026
Benchmarks

Key financial summary

Financials in JPY
202120222023202420252026TTM
Total revenue¥bn121125137156182208221
Operating profit¥bn4637
Net profit¥bn18122222232734
EPS reported¥56.6370.16
Operating cashflow per share¥-119.4-116.7
Capex per share¥2.511.82
FCF per share¥-122.0-118.5
Free cash flow¥bn-58-57
Net debt¥bn806862
Book value equity¥bn241245
Book value per share¥504.0510.8
Number of sharesm478.94478.99
DPS (TTM paid)¥25.006.00

Financial summary

Financials in JPY
202120222023202420252026TTM
Value
P/E TTMx8.006.78
P/B LTMx0.900.89
P/S LTMx1.040.98
P/FCF LTMx-3.71-3.82
EV/EBITDA LTMx19.3824.44
EV/Sales LTMx4.914.89
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/Debtx-0.07-0.06
Net Debt/EBITDAx15.2719.52
EBIT/Net interestx3.930.00
Net debt/market cap%371.32%397.12%
Net debt/Equityx3.343.52
Gross debt/equityx3.513.71

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.

WebsiteN/A
IndustryFinancial - Credit Services
CountryJapan
Trades inJPY

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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.

Delisted · last close 12 Aug 2026

Aiful Corporation (8515.T)

8515.T · JPX · Financial Services
476.00 JPY+1.93%
Benchmarks
Financialsin JPY
20252026TTM
About

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.

IndustryFinancial - Credit Services
CountryJapan
Trades inJPY

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.

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