Anshin Guarantor Service Co., Ltd. (7183) AI Stock Analysis

• Market Cap: ¥3.34B
• Dividend Yield: 2.04%
• Average Volume (3M): 34.12K
• Price to Earnings (P/E): 18.7
• Beta (1Y): 0.51
• Revenue Growth: 12.86%
• EPS Growth: -63.06%
• Country: JP
• Employees: 131
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 9.63
• Shares Outstanding: 17,976,600
• 10 Day Avg. Volume: 31,580
• 30 Day Avg. Volume: 34,123
• PEG Ratio: -0.39
• Price to Book (P/B): 1.11
• Price to Sales (P/S): 0.49
• P/FCF Ratio: -10.36
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 54 Neutral
• Price Target: ¥188.00 ▲(21.29% Upside)
• Action: Reiterated Date: 11/19/25
• Date: Action: Reiterated 11/19/25

The overall stock score is primarily influenced by financial performance challenges, including declining margins and negative cash flows. Technical analysis indicates bearish momentum, further impacting the score. Valuation metrics suggest the stock is relatively expensive, which also weighs on the overall score.

Positive Factors

Conservative Leverage

A low debt-to-equity ratio (0.25) signals conservative leverage and lower refinancing risk, giving the firm financial flexibility to weather shocks and support operating needs. Over a 2–6 month horizon this underpins stability and credit resilience versus more leveraged peers.

Consistent Revenue Growth

Ongoing revenue growth indicates sustained market demand for guarantor services and supports a predictable revenue base. For the medium term, this trend helps absorb cost volatility and underpins potential margin recovery if fixed costs are leveraged and customer retention remains high.

Durable Fee-Based Business Model

A recurring fee model tied to rental contracts and distribution via real estate partners creates sticky, repeatable revenue streams. Structurally this reduces customer acquisition friction and supports stable cash inflows over several months, reinforcing the core business moat in rental markets.

Negative Factors

Margin Compression

Sharp margin declines erode the company's ability to fund operations, reinvest, or build reserves. If sustained, low gross and net margins constrain profitability improvements, limit buffer against cost shocks, and raise the bar for operational fixes required to restore durable earnings power.

Weak Cash Generation

Negative operating cash flow indicates income is not converting into cash, creating reliance on financing or reserves for working capital. This structural cash conversion weakness threatens liquidity and limits capacity to invest or return capital unless operating cash flows improve in coming quarters.

Falling Return on Equity

A substantial drop in ROE signals reduced efficiency in deploying shareholder capital and weaker returns for investors. Persistently low ROE over months suggests structural profitability or asset-utilization issues that could impede capital accumulation and strategic flexibility.

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

Company Description

Anshin 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 Money

Anshin Guarantor Service Co., Ltd. generates revenue primarily through service fees charged to landlords and tenants for its guarantor services. Typically, the company charges a percentage of the monthly rent as a fee for guaranteeing lease payments, which can vary based on the rental amount and the terms of the agreement. Additionally, Anshin may earn income from ancillary services such as credit checks and tenant screening processes, which are often bundled with their primary offerings. The company may also engage in partnerships with real estate agencies and property management firms, creating referral agreements that further enhance its revenue streams by increasing its client base and service adoption in the housing sector.

Anshin Guarantor Service Co., Ltd. Financial Statement Overview

Summary

Anshin Guarantor Service Co., Ltd. shows revenue growth but faces challenges in profitability and cash flow management. The company's leverage is low, providing financial stability, but declining margins and negative cash flows highlight areas for improvement.

Income Statement

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

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

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.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	5.38B	4.84B	4.50B	4.13B	3.95B
Gross Profit	58.22M	439.28M	571.04M	457.55M	672.60M
EBITDA	228.04M	628.79M	786.80M	687.79M	898.97M
Net Income	89.58M	373.62M	471.70M	400.81M	541.74M
Balance Sheet
Total Assets	12.86B	11.11B	9.47B	8.07B	6.27B
Cash, Cash Equivalents and Short-Term Investments	929.31M	1.21B	1.36B	1.28B	1.22B
Total Debt	600.00M	500.00M	350.00M	350.00M	300.00M
Total Liabilities	10.50B	8.79B	7.31B	6.32B	3.33B
Stockholders Equity	2.36B	2.32B	2.17B	1.75B	2.94B
Cash Flow
Free Cash Flow	-253.31M	-81.25M	135.11M	89.23M	365.31M
Operating Cash Flow	-243.15M	-30.23M	185.95M	170.00M	397.63M
Investing Cash Flow	-86.85M	-52.17M	-50.88M	-106.12M	-35.59M
Financing Cash Flow	47.77M	-68.41M	-53.73M	-3.64M	-36.06M

Anshin Guarantor Service Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 155.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7183, the sentiment is Positive. The current price of 155 is below the 20-day moving average (MA) of 169.50, below the 50-day MA of 161.02, and below the 200-day MA of 161.14, indicating a bullish trend. The MACD of 4.95 indicates Negative momentum. The RSI at 73.95 is Negative, neither overbought nor oversold. The STOCH value of 91.84 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7183.

Anshin Guarantor Service Co., Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8771	84 Outperform	¥83.00B	22.18	―	2.02%	13.52%	7.75%
7191	81 Outperform	¥26.83B	16.28	―	2.50%	16.70%	22.23%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥197.67B	9.82	―	4.42%	2.13%	-25.62%
7383	64 Neutral	¥53.71B	27.84	―	―	13.25%	1251.39%
7199	56 Neutral	¥74.17B	15.43	―	2.44%	15.20%	-16.02%
7183	54 Neutral	¥3.34B	18.69	―	2.04%	12.86%	-63.06%