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Koryojyuhan Co., Ltd. (3495) AI Stock Analysis

JP:3495

Koryojyuhan Co., Ltd.

(TSE/TYO:3495)

Select Model
Rating:45Neutral
Price Target:JPY 2,223.00â–¼(-0.98% Downside)
Action:reiterated
Date:09/09/26

The overall score of 45 reflects significant financial distress from collapsing revenue and negative cash flows, compounded by bearish technical trends. While the low P/E ratio and moderate dividend yield offer some valuation appeal, they are insufficient to offset fundamental and momentum weaknesses. The balance sheet improvements provide only marginal support.

Positive Factors
Improving Net MarginThe multi-year expansion in net margin indicates improved earnings conversion and stronger profitability than earlier periods. If maintained, this provides greater capacity to absorb operating volatility, reinvest in the business, and support shareholder returns even when revenue growth is uneven.
Negative Factors
Persistent Negative Cash FlowRepeated negative operating and free cash flow means reported profitability is not translating into internally generated funding. This reduces financial resilience, increases reliance on external financing, and limits the company’s flexibility to fund investment or withstand weaker operating conditions.

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

-10%-5%0%5%10%15%20%25%30%JP:3495-4.66%EWJ+16.91%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
JPY 6.20B
Dividend Yield
2.85%
Average Volume (3M)
814
Price to Earnings (P/E)
6.6
Beta (1Y)
0.16
Revenue Growth
7.06%
EPS Growth
-8.19%
Country
Japan
Employees
240
Sector
Real Estate
Sector Strength
65
Industry
Real Estate - Services

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), an...

Koryojyuhan Co., Ltd. Financial Statement Overview

Summary

Financial performance is severely constrained by a 41.3% revenue decline and deeply negative operating/free cash flows, despite improved net profit margin and reduced leverage. The cash burn and top-line contraction outweigh balance sheet progress.

Income Statement

28Negative

Balance Sheet

65Positive

Cash Flow

22Negative
Financial statement breakdown
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 SentimentPositive
Last Price2245.00

Price Trends

50DMA2245.31Negative
100DMA2293.32Negative
200DMA2339.79Negative

Market Momentum

MACD-9.93Negative
RSI56.47Neutral
STOCH67.47Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3495, the sentiment is Positive. The current price of 2245.00 is above the 20-day moving average (MA) of 2206.35, below the 50-day MA of 2245.31, and below the 200-day MA of 2339.79, indicating a neutral trend. The MACD of -9.93 indicates Negative momentum. The RSI at 56.47 is Neutral, neither overbought nor oversold. The STOCH value of 67.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:3495.

Koryojyuhan Co., Ltd. Peers Comparison

Overall Rating

UnderperformOutperform
Sector (65)

Financial Indicators

JP:3495 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
JP:8898JP:889880OutperformJPY 11.76B13.04―4.69%4.75%15.83%
JP:8944JP:894469NeutralJPY 5.02B2.78―2.38%65.37%―
JP:9761JP:976169NeutralJPY 7.99B11.09―5.26%1.74%-37.04%
Sector *65Neutral$2.17B12.193.79%4.94%3.15%1.96%
JP:5527JP:552756NeutralJPY 10.37B9.38―2.99%5.13%-18.74%
JP:3490JP:349052NeutralJPY 4.82B7.79―0.94%25.95%-10.96%
JP:3495JP:349545NeutralJPY 6.16B6.55―2.85%7.06%-8.19%

* Real Estate Sector Average

Performance Comparison

-20%0%20%40%JP:3495JP:3490JP:5527JP:8898JP:8944JP:9761Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
JP:3495 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
JP:3495Koryojyuhan Co., Ltd.2245.00-109.62-4.66%
JP:3490AZ Planning Co., Ltd.3175.00412.9014.95%
JP:5527property technologies, Inc.849.0073.999.55%
JP:8898Century21 Real Estate of Japan Ltd.1129.0074.727.09%
JP:8944Land Business Co., Ltd.252.0025.5011.26%
JP:9761Tokai Lease Co., Ltd.2282.00157.767.43%
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: Sep 09, 2026