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SBI ARUHI Corporation
(7198)
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Rating:58Neutral
Price Target:
¥880.00
▼(-2.44% Downside)
Action:Reiterated
Date:08/17/26
The score is primarily held back by financial quality—high leverage and negative/volatile operating cash flow outweigh solid reported profitability. Technicals are supportive with an above-average uptrend, and valuation is helped by a strong dividend yield, but these positives are not enough to fully offset the cash-flow and balance-sheet risk.
Positive Factors
Revenue and EPS Growth
Positive revenue and EPS growth indicates continued expansion in mortgage activity and earnings capacity. If sustained, this can strengthen operating scale and support the company’s ability to absorb fixed distribution and servicing costs.
Negative Factors
Elevated Leverage
High leverage makes the business more dependent on stable funding, asset performance, and disciplined balance-sheet management. It reduces financial flexibility and can amplify the impact of credit, refinancing, or housing-market stress on shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and EPS Growth
Positive revenue and EPS growth indicates continued expansion in mortgage activity and earnings capacity. If sustained, this can strengthen operating scale and support the company’s ability to absorb fixed distribution and servicing costs.
Read all positive factors
SBI ARUHI Corporation (7198) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥37.04B
Dividend Yield4.76%
Average Volume (3M)97.84K
Price to Earnings (P/E)19.2
Beta (1Y)0.71
Revenue Growth14.73%
EPS Growth15.80%
CountryJP
Employees522
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)43.69
Shares Outstanding44,712,170
10 Day Avg. Volume124,020
30 Day Avg. Volume97,843
Financial Highlights & Ratios
PEG Ratio-3.67
Price to Book (P/B)0.87
Price to Sales (P/S)1.46
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
SBI ARUHI Corporation Business Overview & Revenue Model
Company Description
ARUHI Corporation, established in Tokyo, Japan in 2000, primarily functions as a specialized mortgage lender. Its core activities involve the origination and intermediation of home loans. Additionally, the company provides a range of ancillary ser...
How the Company Makes Money
SBI ARUHI primarily makes money through mortgage origination and ongoing loan-related fees tied to residential mortgage lending and servicing. Key revenue streams typically include: (1) interest income or interest-margin-related income on mortgage...
SBI ARUHI Corporation Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
46
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 25.57B | 25.09B | 0.00 | 20.41B | 0.00 | 0.00 |
| Gross Profit | 16.40B | 16.06B | -4.65B | 15.78B | -3.56B | -3.55B |
| EBITDA | 4.74B | 4.56B | 8.58B | 4.35B | 9.21B | 11.18B |
| Net Income | 1.94B | 1.80B | 1.90B | 1.52B | 2.82B | 4.24B |
Balance Sheet | ||||||
| Total Assets | 209.56B | 229.41B | 205.68B | 191.35B | 148.62B | 150.71B |
| Cash, Cash Equivalents and Short-Term Investments | 19.13B | 23.91B | 20.15B | 20.42B | 17.17B | 22.23B |
| Total Debt | 114.83B | 132.18B | 179.92B | 151.12B | 102.16B | 95.32B |
| Total Liabilities | 167.76B | 187.17B | 163.52B | 149.40B | 115.88B | 118.83B |
| Stockholders Equity | 41.68B | 42.11B | 42.00B | 42.01B | 32.77B | 31.89B |
Cash Flow | ||||||
| Free Cash Flow | 14.18B | 0.00 | -10.39B | -4.09B | 875.00M | 3.19B |
| Operating Cash Flow | -940.00M | -14.78B | -5.37B | -3.42B | 1.50B | 3.72B |
| Investing Cash Flow | -1.12B | -1.27B | -5.16B | 544.00M | -712.00M | -698.00M |
| Financing Cash Flow | 100.00M | 19.81B | 10.26B | 6.13B | -5.85B | -18.19B |
SBI ARUHI Corporation Technical Analysis
Positive
902.00
Price Trends
809.60
Positive
821.96
Positive
841.91
Positive
Market Momentum
10.08
Negative
58.02
Neutral
69.98
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7198, the sentiment is Positive. The current price of 902 is above the 20-day moving average (MA) of 829.30, above the 50-day MA of 809.60, and above the 200-day MA of 841.91, indicating a bullish trend. The MACD of 10.08 indicates Negative momentum. The RSI at 58.02 is Neutral, neither overbought nor oversold. The STOCH value of 69.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7198.
SBI ARUHI Corporation Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | ¥441.93B | 12.96 | 13.93% | 4.80% | 2.32% | 3.67% | |
80 Outperform | ¥26.13B | 14.44 | ― | 2.63% | 17.21% | 23.84% | |
79 Outperform | ¥82.28B | 22.18 | ― | 2.02% | 5.01% | 8.58% | |
68 Neutral | ¥9.25B | 8.06 | ― | 5.03% | 6.81% | 11.76% | |
58 Neutral | ¥37.04B | 19.25 | ― | 4.51% | 14.73% | 15.80% | |
56 Neutral | ¥4.57B | 19.40 | ― | 2.04% | 14.35% | 268.68% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:7198
SBI ARUHI Corporation
841.00
46.63
5.87%
JP:7164
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-35.43
-1.09%
JP:7183
Anshin Guarantor Service Co., Ltd.
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54.54%
JP:7191
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JP:7192
Mortgage Service Japan Limited
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202.49
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JP:8771
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1,802.00
349.02
24.02%
SBI ARUHI Corporation Corporate Events
SBI ARUHI Delivers Strong Q1 Earnings and Confirms Full-Year Outlook
Aug 10, 2026
SBI ARUHI reported consolidated operating revenue of ¥5,949 million for the first quarter of the fiscal year ending March 31, 2027, an 8.8% year-on-year increase, with income before tax surging 46.0% to ¥639 million. Net income attributa...
SBI ARUHI Posts Strong Preliminary Q1 FY2027 Earnings on Housing Loan and Real Estate Growth
Jul 30, 2026
SBI ARUHI Corporation reported preliminary consolidated results for the three months ended June 30, 2026, showing an 8.8% year-on-year increase in operating revenue to ¥5,949 million and a 46.1% rise in net income attributable to owners of th...
SBI ARUHI Completes Acquisition and Renames Loan Servicing Subsidiary
Jul 1, 2026
SBI ARUHI Corporation has completed the acquisition of all outstanding shares of RISA RT Asset Management Loan Services Corporation, making it a wholly owned subsidiary and renaming it ARUHI Loan Servicing Co., Ltd. The newly named entity, establ...
SBI ARUHI Outlines Control Structure and Governance Safeguards Under SBI Group
Jun 25, 2026
SBI ARUHI Corporation disclosed that its parent companies, SBI Holdings, Inc. and SBI Non-Bank Holdings Co., Ltd., together control 62.91% of its voting rights, with SBI Holdings identified as the entity exerting the greatest influence due to its ...
SBI ARUHI Restructures Top Management, Names Sole Representative Director
Jun 23, 2026
SBI ARUHI Corporation has announced a change in its top management structure following a resolution at its Board of Directors’ meeting. Chairman and Representative Director Takeshi Yoshimura will step down from his role as Representative Dir...
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.