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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 55 (OpenAI - Gpt-5.6Sol)
Rating:55Neutral
Price Target:
¥2,337.00
▲(0.86% Upside)
Action:Reiterated
Date:09/09/26
The score is driven primarily by mixed financial performance: improving profitability and solid ROE are offset by persistently negative operating/free cash flow, higher leverage, and a sharp recent revenue decline. Technicals further weigh on the score due to a clear downtrend and negative momentum, while low P/E and a moderate dividend yield provide the main support via valuation.
Positive Factors
Improving Net Margin
The 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 Flow
Repeated 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Net Margin
The 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.
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),...

Koryojyuhan Co., Ltd. Financial Statement Overview

Summary
Profitability and ROE are solid and have improved over time (net margin up to ~8.8% in 2025; ROE ~16.4%), but financial quality is weakened by persistently negative operating cash flow (4 of last 5 years) and negative free cash flow (2022–2025). Leverage has also risen with debt-to-equity consistently above 1.0x since 2022 (~1.21x in 2025), and the steep 2025 revenue decline (-41.3%) adds operating risk.
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 Price2317.00
Price Trends
50DMA
2330.96
Negative
100DMA
2360.41
Negative
200DMA
2391.15
Negative
Market Momentum
MACD
-13.55
Negative
RSI
41.57
Neutral
STOCH
29.03
Neutral
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 2317 is above the 20-day moving average (MA) of 2293.55, below the 50-day MA of 2330.96, and below the 200-day MA of 2391.15, indicating a bearish trend. The MACD of -13.55 indicates Negative momentum. The RSI at 41.57 is Neutral, neither overbought nor oversold. The STOCH value of 29.03 is Neutral, 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
¥12.12B13.66―4.55%6.17%12.62%
69
Neutral
¥8.60B12.11―4.82%1.74%-37.04%
65
Neutral
$2.17B12.193.79%4.94%3.15%1.96%
64
Neutral
¥4.94B2.77―2.39%65.37%―
59
Neutral
¥9.24B8.39―3.36%9.41%-6.14%
55
Neutral
¥6.35B6.62―2.60%7.06%-8.19%
52
Neutral
¥4.61B8.57―0.99%13.08%-39.86%
* Real Estate Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:3495
Koryojyuhan Co., Ltd.
2,267.00
-120.72
-5.06%
JP:3490
AZ Planning Co., Ltd.
3,035.00
234.29
8.37%
JP:5527
property technologies, Inc.
744.00
64.66
9.52%
JP:8898
Century21 Real Estate of Japan Ltd.
1,166.00
73.03
6.68%
JP:8944
Land Business Co., Ltd.
251.00
17.00
7.26%
JP:9761
Tokai Lease Co., Ltd.
2,491.00
196.60
8.57%
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