Aiful Corporation (AAU) Price & Analysis

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AAU Stock Chart & Stats

€2.90

€0.01(0.52%)

At close: Jan 08 4:00 PM EST

€2.90

€0.01(0.52%)

Day’s Range― - ―

52-Week Range€1.82 - €3.18

Previous CloseN/A

Volume0.00

Average Volume (3M)16.00

Market Cap

€1.39B

Enterprise Value€1.04T

Total Cash (Recent Filing)€58.09B

Total Debt (Recent Filing)€848.94B

Price to Earnings (P/E)7.7

Beta0.44

Next EarningsN/A

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)N/A

Shares Outstanding484,620,120

10 Day Avg. Volume0

30 Day Avg. Volume16

Financial Highlights & Ratios

PEG Ratio1.84

Price to Book (P/B)0.76

Price to Sales (P/S)0.88

P/FCF Ratio-1.64

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

Bulls Say, Bears Say

Bulls Say

Revenue Growth TrendConsistent top-line growth indicates durable demand for unsecured consumer loans and expanding loan book scale. Over 2–6 months this supports interest income stability, helps absorb credit-cost variability, and signals ongoing customer acquisition and product-market fit in core segments.

Strong Profitability And MarginsElevated gross and healthy net margins provide a structural earnings cushion versus peers in consumer finance. Margin strength sustains return generation, funds operational needs, and gives flexibility to withstand moderate credit-cost shocks without immediate capital strain.

Low-cost Online/non-branch DistributionA primarily online, non-branch distribution model lowers fixed costs and scales customer acquisition more efficiently than branch networks. Structurally this supports margin durability, faster geographic reach, and competitive pricing flexibility over the medium term as digital adoption continues.

Bears Say

Meaningful LeverageDebt levels around 3.1–3.6x equity materially limit financial flexibility and amplify earnings volatility from funding-cost moves. High leverage raises refinancing and covenant risk, constraining the firm's ability to invest or absorb shocks during tightening funding conditions.

Persistent Negative Cash GenerationChronic negative operating and free cash flow forces continued reliance on external funding to grow or maintain the loan book. Over months this increases liquidity and refinancing risk, limiting the company's ability to self-fund growth or build reserves for credit deterioration.

Elevated Funding And Credit‑cycle SensitivityThe combination of high leverage and negative cash flow heightens vulnerability to rising funding costs or a credit downturn. If market liquidity tightens or delinquencies rise, the company faces amplified margin pressure, higher credit costs, and reduced strategic options.

Aiful Corporation News

Aiful Posts Strong Profit Surge and Hikes Dividend as Group Expands

Aiful Corporation ( ($JP:8515) ) just unveiled an announcement. Aiful Corporation reported strong consolidated results for the nine...

11d ago

Aiful Corporation Corrects Date in Financial Results Announcement

Aiful Corporation ( ($JP:8515) ) has issued an update. Aiful Corporation announced a correction to its previously released...

3M ago

Aiful Corporation Reports Strong Growth in Q2 2025 Financial Results

An announcement from Aiful Corporation ( ($JP:8515) ) is now available. Aiful Corporation reported significant growth in its...

3M ago

Aiful Corporation Revises Financial Forecasts Upward Amid Strong Business Growth

An announcement from Aiful Corporation ( ($JP:8515) ) is now available. Aiful Corporation has revised its financial forecasts...

4M ago

Aiful Corporation Reports Strong Q1 2025 Financial Results

Aiful Corporation ( ($JP:8515) ) has issued an update. Aiful Corporation reported strong financial results for the first...

7M ago

Aiful Completes Treasury Share Disposal for Compensation

Aiful Corporation ( ($JP:8515) ) has issued an announcement. Aiful Corporation has completed the payment procedures for the...

7M ago

Aiful Corporation Announces Disposal of Treasury Shares for Stock Compensation

Aiful Corporation ( ($JP:8515) ) has issued an update. Aiful Corporation has announced the disposal of 166,261 treasury...

8M ago

Aiful Corporation Proposes Amendments to Articles of Incorporation

Aiful Corporation ( ($JP:8515) ) has provided an announcement. Aiful Corporation announced proposed amendments to its Articles of...

9M ago

AIFUL Corporation to Transition to Holding Company Structure

An announcement from Aiful Corporation ( ($JP:8515) ) is now available. AIFUL Corporation announced its decision to transition...

9M ago

AIFUL Corporation Reports Strong Fiscal Year 2025 Results and Strategic M&A Activity

Aiful Corporation ( ($JP:8515) ) has shared an update. AIFUL Corporation reported a strong financial performance for the...

10M ago

AAU FAQ

What was Aiful Corporation’s price range in the past 12 months?

Aiful Corporation lowest stock price was €1.82 and its highest was €3.18 in the past 12 months.

What is Aiful Corporation’s market cap?

Aiful Corporation’s market cap is €1.39B.

When is Aiful Corporation’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were Aiful Corporation’s earnings last quarter?

Currently, no data Available

Is Aiful Corporation overvalued?

According to Wall Street analysts Aiful Corporation’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Aiful Corporation pay dividends?

Aiful Corporation does not currently pay dividends.

What is Aiful Corporation’s EPS estimate?

Aiful Corporation’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Aiful Corporation have?

Aiful Corporation has 484,620,120 shares outstanding.

What happened to Aiful Corporation’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of Aiful Corporation?

Currently, no hedge funds are holding shares in DE:AAU

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Aiful Corporation

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.