FORLIFE Co.,Ltd. (3477) AI Stock Analysis

• Market Cap: ¥3.44B
• Dividend Yield: 4.66%
• Average Volume (3M): 4.83K
• Price to Earnings (P/E): 9.4
• Beta (1Y): 0.35
• Revenue Growth: 14.76%
• EPS Growth: -7.51%
• Country: JP
• Employees: 102
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Residential Construction
• EPS (TTM): 17.25
• Shares Outstanding: 4,000,000
• 10 Day Avg. Volume: 5,880
• 30 Day Avg. Volume: 4,830
• PEG Ratio: 0.02
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 0.17
• P/FCF Ratio: -3.36
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥807.00
• Price Target Upside: -6.05% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: ¥807.00 ▼(-6.05% Downside)

FORLIFE Co.,Ltd. benefits from strong technical indicators and attractive valuation, driving a high overall score. While financial performance shows growth, liquidity concerns due to negative cash flow trends temper the outlook. The stock's bullish momentum and low P/E ratio are significant positives.

FORLIFE Co.,Ltd. Business Overview & Revenue Model

Company Description

FORLIFE Co., Ltd. provides condominiums and custom-built homes in Yokohama city, Kanagawa prefecture, Kawasaki city, and Jonan District of Tokyo. It also offers ready-built houses. The company was formerly known as Four Life & Company Co., Ltd. and changed its name to FORLIFE Co., Ltd. in May 2013. FORLIFE Co., Ltd. was incorporated in 1996 and is headquartered in Yokohama, Japan.

How the Company Makes Money

FORLIFE Co., Ltd. generates revenue primarily through the sale of its life insurance products. The company's key revenue streams include premiums collected from policyholders, investment income from managing reserves, and fees from services offered as part of their insurance packages. The company may also benefit from strategic partnerships with financial institutions and distribution networks to widen its market reach and enhance its service offerings. Market fluctuations, interest rates, and demographic factors can significantly impact its earnings.

FORLIFE Co.,Ltd. Financial Statement Overview

Summary

FORLIFE Co.,Ltd. demonstrates growth in revenue and profitability with improved margins. The balance sheet is stable with a solid equity base, although leverage is moderate. Cash flow challenges are significant, with negative free cash flow growth indicating liquidity issues.

Income Statement

FORLIFE Co.,Ltd. shows consistent revenue growth with a notable increase of 5.6% from 2024 to 2025. Gross profit margin improved to 12.0%, reflecting efficient cost management. Net profit margin also showed a positive trend, reaching 3.7% due to enhanced profitability. The EBIT and EBITDA margins increased to 4.0% and 6.2% respectively, indicating strong operational performance. However, the margins remain moderate compared to industry leaders.

Balance Sheet

The company's balance sheet reflects stability with an equity ratio of 41.3%, suggesting a healthy equity base. The debt-to-equity ratio is 1.10, indicating a moderate level of leverage. Return on equity improved to 13.9%, showcasing effective utilization of equity to generate profits. While leverage is somewhat high, the company's equity position provides a solid foundation.

Cash Flow

FORLIFE Co.,Ltd. experienced a significant decline in free cash flow, with a negative growth rate of -289%. The operating cash flow to net income ratio is negative, indicating challenges in converting income into cash. The free cash flow to net income ratio is also negative, highlighting liquidity concerns. Despite these issues, the company managed positive investing and financing cash flows, reflecting strategic financial management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	15.81B	14.77B	13.99B	14.11B	12.36B	10.77B
Gross Profit	1.89B	1.77B	1.38B	1.49B	1.80B	1.54B
EBITDA	688.66M	919.53M	296.38M	411.62M	777.64M	633.10M
Net Income	377.53M	550.78M	151.29M	235.82M	480.27M	379.60M
Balance Sheet
Total Assets	9.88B	9.62B	7.89B	8.47B	7.58B	6.58B
Cash, Cash Equivalents and Short-Term Investments	2.72B	3.22B	2.45B	2.66B	2.03B	2.16B
Total Debt	4.94B	4.36B	3.63B	4.18B	3.31B	2.80B
Total Liabilities	5.94B	5.64B	4.41B	5.11B	4.36B	3.76B
Stockholders Equity	3.93B	3.97B	3.47B	3.36B	3.22B	2.82B
Cash Flow
Free Cash Flow	0.00	-738.14M	390.58M	-151.52M	-538.39M	-45.96M
Operating Cash Flow	0.00	-736.51M	791.36M	46.88M	-521.41M	-34.28M
Investing Cash Flow	0.00	840.37M	-411.63M	-195.00M	-30.01M	-16.31M
Financing Cash Flow	0.00	672.48M	-592.22M	777.54M	418.79M	871.88M

FORLIFE Co.,Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 859.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3477, the sentiment is Positive. The current price of 859 is above the 20-day moving average (MA) of 827.06, above the 50-day MA of 784.19, and above the 200-day MA of 657.43, indicating a bullish trend. The MACD of 24.67 indicates Negative momentum. The RSI at 63.39 is Neutral, neither overbought nor oversold. The STOCH value of 50.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:3477.

FORLIFE Co.,Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
3477	76 Outperform	¥3.44B	9.36	―	4.66%	14.76%	-7.51%
1840	72 Outperform	¥6.27B	10.96	5.87%	3.98%	-11.79%	817.61%
1444	65 Neutral	¥3.03B	14.91	―	―	12.84%	706.51%
1420	61 Neutral	¥7.80B	7.23	4.39%	3.55%	6.24%	39.37%
8904	54 Neutral	¥11.40B	22.14	2.12%	4.74%	1.43%	-22.47%
2999	46 Neutral	¥4.09B	-11.88	-20.08%	2.29%	-21.19%	10.37%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%