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

• Market Cap: ¥2.79B
• Dividend Yield: 1.99%
• Average Volume (3M): 34.12K
• Price to Earnings (P/E): 43.7
• Beta (1Y): 0.51
• Revenue Growth: 11.56%
• EPS Growth: -81.06%
• Country: JP
• Employees: 131
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -1.72
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 55 Neutral
• Price Target: ¥169.00 ▲(11.92% 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. 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 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

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	5.37B	5.38B	4.84B	4.50B	4.13B	3.95B
Gross Profit	2.73B	58.22M	439.28M	571.04M	457.55M	672.60M
EBITDA	83.54M	228.04M	628.79M	786.80M	687.79M	898.97M
Net Income	38.06M	89.58M	373.62M	471.70M	400.81M	541.74M
Balance Sheet
Total Assets	12.86B	12.86B	11.11B	9.47B	8.07B	6.27B
Cash, Cash Equivalents and Short-Term Investments	929.31M	929.31M	1.21B	1.36B	1.28B	1.22B
Total Debt	600.00M	600.00M	500.00M	350.00M	350.00M	300.00M
Total Liabilities	10.50B	10.50B	8.79B	7.31B	6.32B	3.33B
Stockholders Equity	2.36B	2.36B	2.32B	2.17B	1.75B	2.94B
Cash Flow
Free Cash Flow	-253.00M	-253.31M	-81.25M	135.11M	89.23M	365.31M
Operating Cash Flow	-243.00M	-243.15M	-30.23M	185.95M	170.00M	397.63M
Investing Cash Flow	-86.00M	-86.85M	-52.17M	-50.88M	-106.12M	-35.59M
Financing Cash Flow	47.00M	47.77M	-68.41M	-53.73M	-3.64M	-36.06M

Anshin Guarantor Service Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 151.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

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 151 is below the 20-day moving average (MA) of 157.65, below the 50-day MA of 163.78, and below the 200-day MA of 158.17, indicating a bearish trend. The MACD of -3.30 indicates Positive momentum. The RSI at 27.89 is Positive, neither overbought nor oversold. The STOCH value of 5.59 is Positive, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7191	72 Outperform	¥23.42B	14.81	―	2.33%	16.70%	22.23%
8771	72 Outperform	¥76.49B	21.10	―	2.32%	13.52%	7.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7383	67 Neutral	¥78.33B	45.16	―	―	14.63%	―
8584	67 Neutral	¥179.15B	8.19	―	4.76%	2.13%	-25.62%
7199	63 Neutral	¥78.77B	16.23	―	2.39%	17.78%	-3.79%
7183	55 Neutral	¥2.79B	43.66	―	1.99%	11.56%	-81.06%