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Fuyo General Lease Co., Ltd. (8424) AI Stock Analysis

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JP:8424

Fuyo General Lease Co., Ltd.

(TSE/TYO:8424)

Select Model
Rating:51Neutral
Price Target:JPY 4,516.00â–²(8.53% Upside)
Action:reiterated
Date:08/17/26

The overall score of 51 reflects a balance between weak financial fundamentals and positive technical indicators. Declining profitability and negative cash flows are major concerns, partially offset by a bullish price trend and a moderate valuation. Investors should monitor the company's ability to improve operational performance and cash generation.

Positive Factors
Revenue Growth ResilienceThe return to double-digit revenue growth indicates resilient demand for leasing and financing solutions. Sustained origination activity can support portfolio expansion and recurring income, although profitability will determine how much growth converts into earnings.
Negative Factors
Structurally High LeveragePersistently high leverage limits financial flexibility and increases sensitivity to funding costs, credit losses, and weaker economic conditions. A highly debt-funded balance sheet can constrain growth or require additional capital when portfolio risks rise.

Fuyo General Lease Co., Ltd. (8424) vs. iShares MSCI Japan ETF (EWJ)

-5%0%5%10%15%20%25%30%JP:8424+7.84%EWJ+16.06%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
JPY 375.33B
Dividend Yield
3.97%
Average Volume (3M)
211.34K
Price to Earnings (P/E)
10.1
Beta (1Y)
0.48
Revenue Growth
21.37%
EPS Growth
37.39%
Country
Japan
Employees
4,410
Sector
General
Sector Strength
55
Industry
Financial - Credit Services

Fuyo General Lease Co., Ltd. Business Overview & Revenue Model

Company Description

Fuyo General Lease Co., Ltd. is a prominent financial services provider, specializing in leasing and installment sales for clients across Japan and internationally. The company enables the acquisition of a diverse range of assets, including vital IT...

How the Company Makes Money

Fuyo General Lease makes money primarily by originating and managing leases and related financing transactions. Key revenue sources typically include (1) lease income: periodic payments received from customers for the use of leased assets over the co...

Fuyo General Lease Co., Ltd. Financial Statement Overview

Summary

The company's financial health is mixed. The balance sheet shows improving leverage and equity growth, but recent sharp declines in profitability (operating margin down to 5.6%) and negative operating cash flows raise significant concerns. Income statement score 35, balance sheet 40, and cash flow 20 indicate pressure, leading to a below-average score.

Income Statement

35Negative

Balance Sheet

40Negative

Cash Flow

20Very Negative
Financial statement breakdown
BreakdownTTMMar 2026Mar 2025Mar 2024Mar 2023Mar 2022
Income Statement
Total Revenue788.67B788.67B678.39B708.54B688.65B657.85B
Gross Profit80.40B25.65B119.63B109.57B97.32B88.86B
EBITDA111.61B114.73B126.39B122.52B105.54B105.03B
Net Income21.57B21.57B45.28B47.22B38.94B33.89B
Balance Sheet
Total Assets3.84T3.84T3.57T3.39T3.15T2.95T
Cash, Cash Equivalents and Short-Term Investments670.70B670.70B614.71B632.27B576.19B395.18B
Total Debt3.01T3.01T2.81T2.69T2.52T2.38T
Total Liabilities3.28T3.28T3.04T2.91T2.74T2.58T
Stockholders Equity503.01B503.01B475.56B431.96B367.19B333.49B
Cash Flow
Free Cash Flow0-122.76B-85.20B-79.34B104.88B126.61B
Operating Cash Flow0-119.33B-81.77B-76.07B107.56B128.79B
Investing Cash Flow01.17B-35.66B-3.06B-12.39B-15.67B
Financing Cash Flow0171.76B97.99B131.80B84.04B-101.53B

Fuyo General Lease Co., Ltd. Technical Analysis

Technical Analysis SentimentNegative
Last Price4161.00

Price Trends

50DMA4300.41Negative
100DMA4286.41Negative
200DMA4264.32Negative

Market Momentum

MACD-59.50Positive
RSI46.11Neutral
STOCH33.17Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8424, the sentiment is Negative. The current price of 4161.00 is below the 20-day moving average (MA) of 4219.65, below the 50-day MA of 4300.41, and below the 200-day MA of 4264.32, indicating a bearish trend. The MACD of -59.50 indicates Positive momentum. The RSI at 46.11 is Neutral, neither overbought nor oversold. The STOCH value of 33.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8424.

Fuyo General Lease Co., Ltd. Peers Comparison

Overall Rating

UnderperformOutperform
Sector (55)

Financial Indicators

JP:8424 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
JP:7081JP:708178OutperformJPY 13.86B8.59―2.91%1.07%-22.61%
JP:9699JP:969975OutperformJPY 128.50B10.24―2.94%0.17%3.63%
JP:5834JP:583461NeutralJPY 40.10B5.85―4.77%47.13%16.70%
JP:8596JP:859659NeutralJPY 34.16B7.26―4.06%16.65%29.40%
JP:8439JP:843957NeutralJPY 1.33T15.20―3.55%10.62%-35.62%
Sector *55Neutral$6.65B3.83-15.92%6.20%10.91%7.18%
JP:8424JP:842451NeutralJPY 376.90B10.09―3.97%21.37%37.39%

* General Sector Average

Performance Comparison

0%20%40%JP:8424JP:5834JP:7081JP:8439JP:8596JP:9699Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
JP:8424 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
JP:8424Fuyo General Lease Co., Ltd.4161.00297.717.71%
JP:5834SBI Leasing Services Co.,Ltd.2515.0072.862.98%
JP:7081Koyou Rentia Co., Ltd.1235.0031.672.63%
JP:8439Tokyo Century Corporation2704.00859.8446.63%
JP:8596Kyushu Leasing Service Co., Ltd.1503.00261.2321.04%
JP:9699NISHIO HOLDINGS CO. LTD.4630.00481.2111.60%

Fuyo General Lease Co., Ltd. Corporate Events

Fuyo General Lease Outlines Early FY2026 Results and Forecast Metrics

Jul 30, 2026

Fuyo General Lease Co., Ltd. has released a summary of consolidated financial results for the first three months of FY2026, together with its earnings and dividend forecasts. The disclosure underscores key performance definitions, including profit be...

Fuyo General Lease to Acquire 40% Stake in SMTB Leasing Joint Venture

Jul 30, 2026

Fuyo General Lease has agreed with Sumitomo Mitsui Trust Bank and Yokohama Financial Group to restructure Sumitomo Mitsui Trust Panasonic Finance into a joint venture, with Fuyo acquiring 40% of the non-treasury shares and treating the company as an...

Fuyo General Lease Delivers Strong Q1 FY2026 Earnings and Raises Dividend Outlook

Jul 30, 2026

Fuyo General Lease reported strong results for the quarter ended June 30, 2026, with net sales rising 16.6% year on year to ¥201.2 billion and operating profit jumping 29.3% to ¥19.7 billion. Ordinary profit grew 11.2% to ¥20.7 billion and profit att...

Fuyo General Lease Restructures Organization and Leadership for Portfolio Transformation

Jun 23, 2026

Fuyo General Lease Co., Ltd. announced a series of organizational and personnel changes effective July 1, 2026, as part of a restructuring of its domestic business operations. The company will establish a new Business Portfolio Transformation Pt., si...

Fuyo General Lease Revamps Board and Audit Lineup With New Outside Appointments

May 21, 2026

Fuyo General Lease has announced planned changes to its board and audit structure, including the nomination of Ryuichi Isaka, currently a senior advisor at Seven & i Holdings, as a new outside part-time director. The move signals an effort to enhance...

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: Aug 17, 2026