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Koryojyuhan Co., Ltd. (JP:3495)
:3495
Japanese Market
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Koryojyuhan Co., Ltd. (3495) AI Stock Analysis

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JP:3495

Koryojyuhan Co., Ltd.

(3495)

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Neutral 63 (OpenAI - 5.2)
Rating:63Neutral
Price Target:
¥2,800.00
▲(19.35% Upside)
Action:Reiterated
Date:06/09/26
The score is supported by attractive valuation (low P/E and a dividend) and a bullish price trend above major moving averages. It is held back primarily by weak cash-flow generation (negative operating/free cash flow in recent years), increased leverage, and the sharp 2025 revenue contraction, with technical indicators also suggesting the stock is near-term overextended (RSI/Stoch elevated).
Positive Factors
Improved ROE and net margin
Sustained improvement in net margin and a roughly 16% ROE indicate the company can generate strong returns on capital. This durability in profitability supports long-term capital allocation, dividend capacity, and resilience when revenues normalize after cyclical shocks.
Negative Factors
Persistent negative cash generation
Repeated negative operating and free cash flows imply the business cannot internally fund operations and investments, increasing reliance on external financing. Over the medium term this weakens balance sheet resilience and constrains strategic flexibility if market conditions worsen.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved ROE and net margin
Sustained improvement in net margin and a roughly 16% ROE indicate the company can generate strong returns on capital. This durability in profitability supports long-term capital allocation, dividend capacity, and resilience when revenues normalize after cyclical shocks.
Read all positive factors

Koryojyuhan Co., Ltd. (3495) vs. iShares MSCI Japan ETF (EWJ)

Koryojyuhan Co., Ltd. Business Overview & Revenue Model

Company Description
Koryojyuhan Co., Ltd. operates as a prominent real estate firm within Japan, offering a comprehensive suite of services. These include facilitating rental agreements, providing short-term monthly accommodations, secure storage units (trunk rooms),...
How the Company Makes Money
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Koryojyuhan Co., Ltd. Financial Statement Overview

Summary
Profitability and ROE have improved (net margin up to ~8.8% in 2025; ROE ~16.4%), but financial quality is weakened by a sharp 2025 revenue decline (-41.3%), higher leverage (debt-to-equity ~1.21x), and persistently negative operating and free cash flow in recent years.
Income Statement
63
Positive
Balance Sheet
57
Neutral
Cash Flow
28
Negative
BreakdownTTMSep 2025Sep 2024Sep 2023Sep 2022Sep 2021
Income Statement
Total Revenue12.40B11.53B10.04B9.32B8.71B7.80B
Gross Profit4.12B3.76B3.90B3.60B3.45B3.21B
EBITDA1.74B1.80B1.42B1.21B1.08B856.93M
Net Income949.31M1.02B722.10M653.18M493.05M391.25M
Balance Sheet
Total Assets16.44B17.84B16.41B14.13B11.51B9.56B
Cash, Cash Equivalents and Short-Term Investments3.10B2.25B2.20B1.85B1.81B2.03B
Total Debt5.27B7.51B7.23B6.01B4.35B3.24B
Total Liabilities9.53B11.71B11.15B9.49B7.47B5.91B
Stockholders Equity6.91B6.20B5.26B4.64B4.05B3.65B
Cash Flow
Free Cash Flow-711.81M-711.81M-1.08B-1.72B-1.29B412.22M
Operating Cash Flow-646.44M-646.44M-712.22M-1.42B-319.94M609.28M
Investing Cash Flow552.82M552.82M7.30M-282.34M-1.04B-185.16M
Financing Cash Flow109.69M109.69M1.08B1.72B1.12B-81.05M

Koryojyuhan Co., Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price2346.00
Price Trends
50DMA
2355.82
Negative
100DMA
2384.08
Negative
200DMA
2400.09
Negative
Market Momentum
MACD
-11.53
Positive
RSI
39.05
Neutral
STOCH
17.65
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3495, the sentiment is Negative. The current price of 2346 is below the 20-day moving average (MA) of 2355.30, below the 50-day MA of 2355.82, and below the 200-day MA of 2400.09, indicating a bearish trend. The MACD of -11.53 indicates Positive momentum. The RSI at 39.05 is Neutral, neither overbought nor oversold. The STOCH value of 17.65 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:3495.

Koryojyuhan Co., Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (65)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
¥11.84B13.334.98%6.17%12.62%
65
Neutral
$2.17B12.193.79%4.94%3.15%1.96%
63
Neutral
¥6.45B6.762.51%7.06%-8.19%
59
Neutral
¥4.94B9.261.03%13.08%-39.86%
59
Neutral
¥8.86B8.103.68%9.41%-6.14%
57
Neutral
¥4.82B2.672.51%65.37%
54
Neutral
¥8.38B11.815.03%1.74%-37.04%
* Real Estate Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:3495
Koryojyuhan Co., Ltd.
2,317.00
-63.89
-2.68%
JP:3490
AZ Planning Co., Ltd.
3,280.00
373.36
12.85%
JP:5527
property technologies, Inc.
718.00
44.45
6.60%
JP:8898
Century21 Real Estate of Japan Ltd.
1,138.00
63.22
5.88%
JP:8944
Land Business Co., Ltd.
242.00
34.32
16.53%
JP:9761
Tokai Lease Co., Ltd.
2,430.00
211.76
9.55%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 09, 2026