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XJPX
8515
Market cap1.41bUSD
Jul 17, Last price  
436.00JPY
1D
0.93%
1Q
27.49%
Jan 2017
26.01%
Name

Aiful Corp

Chart & Performance

D1W1MN
P/E
9.57
P/S
1.28
EPS
45.57
Div Yield, %
0.23%
Shrs. gr., 5y
—
Rev. gr., 5y
7.18%
Revenues
163.11b
+13.15%
000312,241,000,000218,102,000,000144,957,000,000113,999,000,00099,616,000,00091,854,000,00086,347,000,00087,705,000,00091,446,000,000115,384,000,000115,325,000,000127,035,000,000127,478,000,000132,094,000,000144,148,000,000163,107,000,000
Net income
21.82b
-2.35%
65,827,000,000-411,251,000,00027,434,000,0004,247,000,000-295,141,000,000-31,935,000,00017,391,000,00022,705,000,00030,461,000,000-36,499,000,0007,044,000,0007,276,000,0003,958,000,0009,346,000,0001,390,000,00018,437,000,00012,334,000,00022,343,000,00021,818,000,000
CFO
-74.21b
L+5.12%
-25,944,000,000250,558,000,000247,525,000,000240,592,000,000256,675,000,000160,099,000,00072,739,000,00021,812,000,00055,068,000,00018,501,000,000-31,677,000,000-51,220,000,000-70,220,000,000-41,768,000,000-51,134,000,00020,277,000,000-15,628,000,000-70,593,000,000-74,208,000,000
Dividend
Sep 29, 20250 JPY/sh
Earnings
Aug 07, 2025

Profile

Aiful Corporation engages in consumer finance and credit guarantee business in Japan. It offers unsecured, secured, and small business loans; and credit card, prepaid card, credit guarantee, debt collection, venture capital, receiving agent, corporate turnaround and restructuring, warehouse, document management, and leasing services, as well as used car and medical loans. The company also provides postpay settlement, factoring, and installment credit sales services. As of March 31, 2021, it operated a network of 20 branches. The company was formerly known as Marutaka, Inc. and changed its name to Aiful Corporation in May 1982. Aiful Corporation was founded in 1967 and is headquartered in Kyoto, Japan.
URL
https://www.aiful.co.jp/
IPO date
Oct 01, 1998
Employees
2,180
Domiciled in
JP
Incorporated in
JP

Valuation

Title
JPY in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2024‑032023‑032022‑032021‑032020‑032019‑032018‑032017‑032016‑03
Income
Revenues
163,107,000
13.15%
144,148,000
9.13%
Cost of revenue
142,045,000
70,115,000
Unusual Expense (Income)
NOPBT
21,062,000
74,033,000
NOPBT Margin
12.91%
51.36%
Operating Taxes
(9,000)
1,013,000
Tax Rate
1.37%
NOPAT
21,071,000
73,020,000
Net income
21,818,000
-2.35%
22,343,000
81.15%
Dividends
(483,000)
(483,000)
Dividend yield
0.22%
0.28%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
366,246,000
267,148,000
Long-term debt
298,900,000
294,781,000
Deferred revenue
7,094,000
Other long-term liabilities
18,708,000
16,322,000
Net debt
601,125,000
495,244,000
Cash flow
Cash from operating activities
(74,208,000)
(70,593,000)
CAPEX
(2,296,000)
(4,483,000)
Cash from investing activities
(12,762,000)
(8,945,000)
Cash from financing activities
100,929,000
78,197,000
FCF
(94,814,000)
(15,381,000)
Balance
Cash
56,917,000
45,791,000
Long term investments
7,104,000
20,894,000
Excess cash
55,865,650
59,477,600
Stockholders' equity
190,048,000
238,104,000
Invested Capital
829,156,350
702,759,400
ROIC
2.75%
11.13%
ROCE
2.38%
9.71%
EV
Common stock shares outstanding
483,797
483,703
Price
461.00
28.41%
359.00
0.00%
Market cap
223,030,506
28.44%
173,649,231
0.00%
EV
827,657,506
741,832,231
EBITDA
24,975,000
77,632,000
EV/EBITDA
33.14
9.56
Interest
6,318,000
Interest/NOPBT
8.53%