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Anshin Guarantor Service Co., Ltd. (JP:7183)
:7183
Japanese Market
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Anshin Guarantor Service Co., Ltd. (7183) AI Stock Analysis

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JP:7183

Anshin Guarantor Service Co., Ltd.

(7183)

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Neutral 55 (OpenAI - 4o)
Rating:55Neutral
Price Target:
¥169.00
▲(7.64% Upside)
The stock's overall score is primarily influenced by financial performance challenges and weak technical indicators. High valuation metrics further weigh down the score, despite stable leverage.

Anshin Guarantor Service Co., Ltd. (7183) vs. iShares MSCI Japan ETF (EWJ)

Anshin Guarantor Service Co., Ltd. Business Overview & Revenue Model

Company DescriptionAnshin Guarantor Service Co., Ltd. engages in the guarantee business of rent debt in Japan. Its product includes Anshin Plus, Life Anshin Plus, AEON Card De Yachin, and Aplus Anshin Rent Guarantee, as well as provides online application and remittance services. The company was founded in 2002 and is headquartered in Tokyo, Japan.
How the Company Makes MoneyAnshin Guarantor Service Co., Ltd. generates revenue primarily through service fees charged for its guarantor services. The company typically receives a one-time fee from tenants or landlords upon the signing of a rental agreement, which can vary based on the rental amount and the level of service provided. Additionally, Anshin may earn recurring revenue through ongoing service fees for extended guarantee periods. Significant partnerships with property management companies and real estate agencies enhance its revenue streams by providing a steady flow of clients requiring guarantor services. Furthermore, the company's ability to manage risk and maintain a low default rate contributes to its profitability by reducing potential losses associated with tenant defaults.

Anshin Guarantor Service Co., Ltd. Financial Statement Overview

Summary
The company shows revenue growth but struggles with profitability and cash flow management. Low leverage provides stability, but declining margins and negative cash flows are concerns.
Income Statement
65
Positive
The company has shown consistent revenue growth over the years, with a 5.72% increase in the latest period. However, margins have declined significantly, with the gross profit margin dropping to 0% and net profit margin decreasing to 1.67% from 7.72% in the previous year. This indicates potential challenges in maintaining profitability despite revenue growth.
Balance Sheet
70
Positive
The debt-to-equity ratio remains relatively low at 0.25, indicating a conservative leverage position. However, the return on equity has decreased to 3.79% from 16.07%, suggesting reduced efficiency in generating returns on shareholders' equity. The equity ratio stands at a healthy level, reflecting a stable financial position.
Cash Flow
50
Neutral
The company faces challenges in cash flow management, with negative operating and free cash flows. Despite a significant improvement in free cash flow growth, the operating cash flow to net income ratio is negative, indicating issues in converting income into cash. The free cash flow to net income ratio is slightly above 1, showing some ability to generate cash relative to net income.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue5.37B5.38B4.84B4.50B4.13B3.95B
Gross Profit2.73B58.22M439.28M571.04M457.55M672.60M
EBITDA83.54M228.04M628.79M786.80M687.79M898.97M
Net Income38.06M89.58M373.62M471.70M400.81M541.74M
Balance Sheet
Total Assets12.86B12.86B11.11B9.47B8.07B6.27B
Cash, Cash Equivalents and Short-Term Investments929.31M929.31M1.21B1.36B1.28B1.22B
Total Debt600.00M600.00M500.00M350.00M350.00M300.00M
Total Liabilities10.50B10.50B8.79B7.31B6.32B3.33B
Stockholders Equity2.36B2.36B2.32B2.17B1.75B2.94B
Cash Flow
Free Cash Flow-253.00M-253.31M-81.25M135.11M89.23M365.31M
Operating Cash Flow-243.00M-243.15M-30.23M185.95M170.00M397.63M
Investing Cash Flow-86.00M-86.85M-52.17M-50.88M-106.12M-35.59M
Financing Cash Flow47.00M47.77M-68.41M-53.73M-3.64M-36.06M

Anshin Guarantor Service Co., Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price157.00
Price Trends
50DMA
166.38
Negative
100DMA
165.84
Negative
200DMA
157.45
Negative
Market Momentum
MACD
-2.50
Positive
RSI
33.13
Neutral
STOCH
26.50
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7183, the sentiment is Negative. The current price of 157 is below the 20-day moving average (MA) of 165.85, below the 50-day MA of 166.38, and below the 200-day MA of 157.45, indicating a bearish trend. The MACD of -2.50 indicates Positive momentum. The RSI at 33.13 is Neutral, neither overbought nor oversold. The STOCH value of 26.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7183.

Anshin Guarantor Service Co., Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
¥24.59B16.782.25%17.16%19.23%
72
Outperform
¥81.21B47.4214.63%
72
Outperform
¥72.51B20.212.45%13.15%8.93%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
66
Neutral
¥181.39B8.304.67%2.95%-23.15%
63
Neutral
¥79.58B16.412.34%17.78%-3.79%
55
Neutral
¥2.82B44.221.94%11.56%-81.06%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7183
Anshin Guarantor Service Co., Ltd.
157.00
-19.56
-11.08%
JP:7191
Entrust Inc.
1,099.00
375.02
51.80%
JP:7199
Premium Group Co., Ltd.
1,984.00
-225.96
-10.22%
JP:7383
Net Protections Holdings, Inc.
817.00
445.00
119.62%
JP:8584
Jaccs Co., Ltd.
4,065.00
374.80
10.16%
JP:8771
eGuarantee, Inc.
1,513.00
17.89
1.20%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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.Date of analysis: Oct 02, 2025