Muninova Holdings Inc AI Stock Analysis
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Muninova Holdings Inc (547A) AI Stock Analysis
Muninova Holdings Inc
(TSE/TYO:547A)
Financial performance weighs on the score due to high leverage and negative cash flows despite revenue growth, while attractive low P/E valuation provides the main offset and technicals remain neutral.
Muninova Holdings Inc (547A) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 197.83B
- Dividend Yield
- 1.46%
- Average Volume (3M)
- 2.12M
- Price to Earnings (P/E)
- 5.6
- Beta (1Y)
- 0.66
- Revenue Growth
- 11.92%
- EPS Growth
- 27.94%
- Country
- Japan
- Employees
- 2,610
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
Muninova Holdings Inc Business Overview & Revenue Model
Company Description
Muninova Holdings Inc. engages in the consumer finance and credit guarantee business in Japan. It offers loans for individuals and businesses; credit cards, prepaid cards, individual credit purchase arrangements, and deferred payment options; credit...
Muninova Holdings Inc Financial Statement Overview
Summary
Revenue growth to 226 billion TTM and high margins support profitability, but high leverage (debt-to-equity 3.6) and deeply negative free cash flow (-61 billion TTM) create liquidity risks.
Income Statement
74PositiveBalance Sheet
41NeutralCash Flow
23Negative| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 226.38B | 214.69B | 189.05B | 163.11B | 144.15B | 132.09B |
| Gross Profit | 192.16B | 192.48B | 179.18B | 155.53B | 136.85B | 124.86B |
| EBITDA | 39.98B | 40.63B | 29.65B | 24.98B | 27.32B | 14.66B |
| Net Income | 35.82B | 27.12B | 22.52B | 21.82B | 22.34B | 12.33B |
Balance Sheet | ||||||
| Total Assets | 1.80T | 1.64T | 1.45T | 8.35B | 8.08B | 7.65B |
| Cash, Cash Equivalents and Short-Term Investments | 49.81B | 42.21B | 60.61B | 375.20M | 326.42M | 363.50M |
| Total Debt | 925.89B | 847.75B | 789.62B | 4.38B | 4.24B | 3.93B |
| Total Liabilities | 1.54T | 1.39T | 1.23T | 7.02B | 6.72B | 6.37B |
| Stockholders Equity | 255.37B | 241.40B | 217.92B | 1.30B | 1.33B | 1.26B |
Cash Flow | ||||||
| Free Cash Flow | -61.38B | -65.45B | -675.48M | -84.31B | -75.08B | -19.15B |
| Operating Cash Flow | -53.51B | -57.21B | -553.91M | -74.20B | -70.59B | -15.63B |
| Investing Cash Flow | -44.97B | -10.95B | -234.59M | -12.76B | -8.95B | -2.22B |
| Financing Cash Flow | 104.18B | 53.43B | 800.86M | 100.93B | 78.20B | 21.03B |
Muninova Holdings Inc Peers Comparison
Overall Rating
JP:877179Outperform
JP:738372Outperform
JP:719263Neutral- JP:547A56Neutral
JP:719851Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8771 | 79Outperform | JPY 77.52B | 21.08 | ― | 5.03% | 3.16% | 9.30% |
| JP:7383 | 72Outperform | JPY 33.91B | 17.99 | ― | ― | 7.25% | 8.41% |
| JP:7192 | 63Neutral | JPY 8.57B | 7.14 | ― | 5.15% | 7.70% | 12.41% |
| JP:547A | 56Neutral | JPY 199.18B | 5.60 | ― | 1.46% | 11.92% | 27.94% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| JP:7198 | 51Neutral | JPY 32.16B | 17.26 | ― | 5.47% | 8.69% | 3.76% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:547A | Muninova Holdings Inc | 418.00 | -37.00 | -8.13% | |
| JP:7192 | Mortgage Service Japan Limited | 576.00 | 129.40 | 28.98% | |
| JP:7198 | SBI ARUHI Corporation | 731.00 | -75.81 | -9.40% | |
| JP:7383 | Net Protections Holdings, Inc. | 336.00 | -295.00 | -46.75% | |
| JP:8771 | eGuarantee, Inc. | 1713.00 | 53.07 | 3.20% |
Muninova Holdings Inc Corporate Events
Muninova Reports ¥115.824 Billion Revenue for Six Months Ended September 30, 2026
Muninova Holdings Inc., listed on the Tokyo Stock Exchange under code 547A, was established on April 1, 2026, through a sole share transfer; the release does not specify an industry, primary products or services, or a market focus.For the six months...
Muninova Expands Indonesian Vehicle Finance Operations Through MAF Acquisition
Muninova Holdings is a financial-services group whose businesses include consumer finance, small-business lending, credit guarantees and used commercial-vehicle financing. Its overseas operations focus on Indonesia, where subsidiaries serve the used...
Muninova’s Largest Shareholder Boosts Stake as President Sells Down Holdings
Muninova Holdings Inc. reported a significant change in its major shareholders after AMG Co., Ltd. acquired a large block of shares from President and Representative Director Mitsuhide Fukuda. The transaction, completed on September 29, 2026, qualifi...
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: Nov 13, 2026