Education
About Us
Working with TipRanks
Follow Us
Aiful Corporation (JP:8515)
:8515
RESEARCH TOOLSreports
Top Page
Aiful Corporation
(Frankfurt:8515)
58Neutral
Aiful Corporation (8515) vs. S&P 500 (SPY)
Market Cap
€174.13B
Dividend Yield0.28%
Average Volume (3M)2.02M
Price to Earnings (P/E)7.8
Beta (1Y)0.76
Revenue Growth15.19%
EPS Growth12.66%
CountryJP
Employees2,470
SectorFinancial
Sector Strength89
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)15.88
Shares Outstanding484,620,120
10 Day Avg. Volume1,408,100
30 Day Avg. Volume2,019,036
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)0.00
Price to Cash Flow (P/CF)0.00
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
Aiful Corporation Business Overview & Revenue Model
Company DescriptionAiful Corporation (8515) is a Japan-based financial services company primarily engaged in the consumer finance sector. Founded in 1967, the company provides a wide range of financial products and services, including unsecured personal loans, small business loans, and credit guarantee services. With a focus on meeting the diverse financial needs of individuals and small businesses, Aiful operates through a network of branches and ATMs across Japan, utilizing both physical and digital platforms to reach its customers.
How the Company Makes MoneyAiful Corporation generates revenue primarily through interest income from its portfolio of unsecured personal loans and small business loans. These loans typically have higher interest rates, reflecting the higher risk associated with lending to individuals and small businesses without collateral. Additionally, the company earns fees from its credit guarantee services, where it provides guarantees to financial institutions on behalf of its customers, enabling them to access loans from third-party lenders. Aiful also collaborates with various financial institutions and retail partners to expand its service offerings and customer base. The combination of interest income, service fees, and strategic partnerships contributes significantly to Aiful's earnings.
Aiful Corporation Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | ||||
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 163.11B | 144.15B | 132.09B | 127.48B | 127.03B | Gross Profit |
| 155.53B | 136.85B | 124.86B | 118.82B | 118.23B | EBIT |
| 21.06B | 23.72B | 11.24B | 17.53B | 1.68B | EBITDA |
| 24.98B | 27.32B | 14.66B | 20.90B | 4.70B | Net Income Common Stockholders |
| 21.82B | 22.34B | 12.33B | 18.44B | 1.39B |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 56.92B | 45.79B | 46.76B | 42.65B | 44.98B | Total Assets |
| 1.27T | 1.07T | 935.64B | 863.35B | 860.51B | Total Debt |
| 664.90B | 561.24B | 480.40B | 457.64B | 475.89B | Net Debt |
| 607.99B | 517.98B | 435.95B | 416.69B | 432.37B | Total Liabilities |
| 1.06T | 890.89B | 779.12B | 715.66B | 731.58B | Stockholders Equity |
| 197.91B | 176.07B | 153.90B | 145.55B | 126.02B |
| Cash Flow | Free Cash Flow | |||
| -84.31B | -75.08B | -19.15B | 15.67B | -53.39B | Operating Cash Flow |
| -74.21B | -70.59B | -15.63B | 20.28B | -51.13B | Investing Cash Flow |
| -12.76B | -8.95B | -2.22B | -9.27B | -2.72B | Financing Cash Flow |
| 100.93B | 78.20B | 21.03B | -18.81B | 55.36B |
Aiful Corporation Technical Analysis
Positive
415.00
Price Trends
345.88
Positive
338.28
Positive
335.44
Positive
Market Momentum
10.30
Negative
81.00
Negative
83.22
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8515, the sentiment is Positive. The current price of 415 is above the 20-day moving average (MA) of 344.10, above the 50-day MA of 345.88, and above the 200-day MA of 335.44, indicating a bullish trend. The MACD of 10.30 indicates Negative momentum. The RSI at 81.00 is Negative, neither overbought nor oversold. The STOCH value of 83.22 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8515.
Aiful Corporation Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $263.10B | 13.48 | 4.16% | 3.98% | 9.27% | -6.56% | |
71 Outperform | €631.50B | 10.83 | 8.89% | 3.54% | 8.26% | 11.43% | |
64 Neutral | $12.57B | 9.74 | 7.88% | 16985.68% | 12.42% | -5.45% | |
62 Neutral | ¥8.43B | 6.13 | 4.51% | 2.13% | 10.94% | ||
58 Neutral | €174.13B | 7.77 | 10.80% | 0.28% | 15.19% | 12.66% |
* Financial Sector Average
Performance Comparison
JP:8515
Aiful Corporation
415.00
-13.83
-3.23%
JP:8563
Daito Bank, Ltd.
675.00
1.01
0.15%
JP:8572
ACOM Co
398.50
6.80
1.74%
JP:8570
AEON Financial Service Co
1,280.00
10.86
0.86%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
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.