Aiful Corporation (8515) Price & Analysis

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8515 Stock Chart & Stats

¥555.00

-¥1.00(-0.31%)

At close: Jan 08 4:00 PM EST

¥555.00

-¥1.00(-0.31%)

Day’s Range― - ―

52-Week Range¥288.00 - ¥595.00

Previous CloseN/A

Volume2.47M

Average Volume (3M)1.92M

Market Cap

¥254.43B

Enterprise Value¥1.02T

Total Cash (Recent Filing)¥47.34B

Total Debt (Recent Filing)¥813.32B

Price to Earnings (P/E)8.4

Beta0.83

Next EarningsN/A

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.25%

Share Statistics

EPS (TTM)N/A

Shares Outstanding484,620,120

10 Day Avg. Volume1,771,420

30 Day Avg. Volume1,921,706

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

Digital Consumer LendingAiful's core, asset-light model focuses on unsecured consumer loans distributed mainly through online and non-branch channels. This reduces fixed costs, enables scalable customer acquisition, and supports consistent interest income generation over the medium term as digital penetration in lending grows.

Revenue GrowthReported revenue growth (Fundamentals.RevenueGrowth ~14.36%) indicates the company is expanding loan volume or yields. Sustained top-line growth supports the interest-spread business model, enabling reinvestment and amortization of fixed costs, which strengthens earnings durability over multiple quarters.

High Gross MarginsEven after a decline, reported gross profit margin around 80% TTM remains high for a lending business, reflecting a wide interest spread and fee capture. High gross margins provide buffer to absorb credit losses and pricing pressure, supporting sustainable core profitability if credit trends stabilize.

Bears Say

High LeverageA debt-to-equity ratio of ~3.62 TTM signals significant financial leverage. High leverage increases interest expense sensitivity, reduces balance sheet flexibility for growth or shock absorption, and heightens refinancing and liquidity risk, constraining durable financial resilience.

Negative Cash FlowNegative operating and free cash flows TTM indicate the business is not consistently generating cash from core operations. Persistent cash deficits force reliance on external funding, increase funding cost sensitivity, and limit capacity for capital allocation, dividends, or debt reduction.

Operational InefficiencyNegative EBIT and EBITDA margins point to structural cost or operating inefficiencies versus interest income generation. Without improved expense control or higher-yield loan mix, these margins erode the cushion against credit losses and make long-term earnings less resilient.

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...

7d 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...

3M 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...

6M 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...

9M ago

8515 FAQ

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

Aiful Corporation lowest stock price was ¥288.00 and its highest was ¥595.00 in the past 12 months.

What is Aiful Corporation’s market cap?

Aiful Corporation’s market cap is ¥254.43B.

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 pays a Semiannually dividend of ¥6 which represents an annual dividend yield of 1.25%. See more information on Aiful Corporation dividends here

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 JP:8515

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.