Anshin Guarantor Service Co., Ltd. (JP:7183)
:7183
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Anshin Guarantor Service Co., Ltd.
(7183)
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Rating:66Neutral
Price Target:
¥205.00
▲(32.26% Upside)
Action:DowngradedDate:04/22/26
The score is primarily held back by weakening profitability and negative cash flows despite revenue growth, which outweigh the balance sheet strength. Very low valuation (P/E 3.97) is a significant positive offset. Technicals are mixed: the price is above key moving averages, but momentum indicators (negative MACD, sub-50 RSI) remain weak.
Positive Factors
Conservative leverage
A low debt-to-equity ratio (~0.25) gives durable financial resilience for a guarantor business. It reduces funding and refinancing risk during credit cycles, preserves capacity to underwrite new guarantees, and limits leverage-related stress, supporting long-term stability.
Negative Factors
Margin compression
A sharp decline in gross and net margins materially reduces the company’s earnings buffer against claim volatility and credit deterioration. Sustained margin compression limits reinvestment in underwriting, IT or collections and makes profitability more sensitive to losses and cost increases.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
A low debt-to-equity ratio (~0.25) gives durable financial resilience for a guarantor business. It reduces funding and refinancing risk during credit cycles, preserves capacity to underwrite new guarantees, and limits leverage-related stress, supporting long-term stability.
Read all positive factors
Anshin Guarantor Service Co., Ltd. (7183) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥3.13B
Dividend Yield2.04%
Average Volume (3M)34.12K
Price to Earnings (P/E)4.0
Beta (1Y)0.46
Revenue Growth13.92%
EPS Growth-31.66%
CountryJP
Employees131
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)9.63
Shares Outstanding17,976,600
10 Day Avg. Volume31,580
30 Day Avg. Volume34,123
Financial Highlights & Ratios
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 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
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 remitt...
How the Company Makes Money
Anshin Guarantor Service makes money primarily by charging fees for providing guarantee services that cover the risk of non-payment (or non-performance) in underlying transactions. Key revenue streams typically include: (1) Guarantee fees/premiums...
Anshin Guarantor Service Co., Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
50
Neutral
| 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
Neutral
155.00
Price Trends
180.48
Negative
164.95
Positive
163.15
Positive
Market Momentum
-2.25
Positive
45.08
Neutral
18.25
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7183, the sentiment is Neutral. The current price of 155 is below the 20-day moving average (MA) of 186.29, below the 50-day MA of 180.48, and below the 200-day MA of 163.15, indicating a neutral trend. The MACD of -2.25 indicates Positive momentum. The RSI at 45.08 is Neutral, neither overbought nor oversold. The STOCH value of 18.25 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7183.
Anshin Guarantor Service Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥81.15B | 21.69 | ― | 2.02% | 11.65% | 10.43% | |
81 Outperform | ¥24.88B | 17.71 | ― | 2.50% | 15.18% | 25.18% | |
69 Neutral | ¥440.41B | 16.35 | 14.42% | 4.80% | 9.59% | 12.35% | |
68 Neutral | ¥42.98B | 20.82 | ― | ― | 10.59% | 203.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥3.13B | 3.97 | ― | 2.04% | 13.92% | -31.66% | |
56 Neutral | ¥74.70B | 12.85 | ― | 2.44% | 13.66% | -17.71% |
* Financial Sector Average
JP:7183
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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.