Aiful Corporation (8515) AI Stock Analysis

• Market Cap: ¥220.08B
• Dividend Yield: 1.25%
• Average Volume (3M): 1.92M
• Price to Earnings (P/E): 6.8
• Beta (1Y): 0.85
• Revenue Growth: 15.37%
• EPS Growth: 26.00%
• Country: JP
• Employees: 2,470
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 484,620,120
• 10 Day Avg. Volume: 1,771,420
• 30 Day Avg. Volume: 1,921,706
• PEG Ratio: 1.84
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 0.91
• P/FCF Ratio: -1.64
• 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: 56 Neutral
• Price Target: ¥456.00 ▼(-17.84% Downside)
• Action: Reiterated Date: 02/18/26
• Date: Action: Reiterated 02/18/26

The score is held back primarily by weak cash generation (negative operating and free cash flow) and meaningful leverage, despite solid profitability. Technical signals are also bearish with the stock trading below key moving averages and negative MACD. These risks are partially offset by an attractive valuation (low P/E) and a modest dividend.

Positive Factors

Revenue Growth

Sustained ~14% revenue growth indicates durable demand for consumer lending and successful customer acquisition. Over 2-6 months this supports credit book expansion and top-line stability, enabling reinvestment in distribution and technology to compound loan origination volumes.

Negative Factors

High Leverage

Leverage near 3x+ equity materially reduces financial flexibility and amplifies risk from interest-rate moves or funding stress. Over months this tightens capital options for growth, raises refinancing needs, and increases vulnerability to deteriorating credit or higher funding costs.

Aiful Corporation Business Overview & Revenue Model

Company Description

Aiful Corporation engages in consumer finance and credit guarantee business in Japan. It offers unsecured, secured, and small business loans; and credit card, prepaid card, credit guarantee, debt collection, venture capital, receiving agent, corpo...

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Aiful Corporation engages in consumer finance and credit guarantee business in Japan. It offers unsecured, secured, and small business loans; and credit card, prepaid card, credit guarantee, debt collection, venture capital, receiving agent, corpo...

How the Company Makes Money

Aiful primarily makes money by earning interest income on the unsecured consumer loans it extends to individual borrowers. When customers borrow, Aiful charges interest over the life of the loan, and this interest spread (interest revenue net of i...

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Aiful primarily makes money by earning interest income on the unsecured consumer loans it extends to individual borrowers. When customers borrow, Aiful charges interest over the life of the loan, and this interest spread (interest revenue net of i...

Aiful Corporation Financial Statement Overview

Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	208.25B	182.34B	155.68B	136.66B	124.60B	121.08B
Gross Profit	177.09B	142.67B	127.33B	110.53B	101.55B	97.21B
EBITDA	40.73B	37.75B	31.96B	33.88B	21.99B	28.17B
Net Income	30.11B	22.52B	21.82B	22.34B	12.33B	18.44B
Balance Sheet
Total Assets	1.61T	1.45T	1.27T	1.07T	935.64B	863.35B
Cash, Cash Equivalents and Short-Term Investments	58.09B	60.61B	56.92B	43.25B	46.76B	40.95B
Total Debt	848.94B	789.62B	664.90B	561.24B	476.69B	457.64B
Total Liabilities	1.37T	1.23T	1.06T	890.89B	779.12B	715.66B
Stockholders Equity	236.84B	217.92B	197.91B	176.07B	153.90B	145.55B
Cash Flow
Free Cash Flow	-87.28B	-101.06B	-76.50B	-71.58B	-16.09B	18.56B
Operating Cash Flow	-68.65B	-82.87B	-74.21B	-70.59B	-15.63B	20.28B
Investing Cash Flow	-24.67B	-35.10B	-12.76B	-8.95B	-2.22B	-9.27B
Financing Cash Flow	93.42B	119.82B	100.93B	78.19B	21.03B	-18.81B

Aiful Corporation Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 555.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8515, the sentiment is Negative. The current price of 555 is above the 20-day moving average (MA) of 480.00, above the 50-day MA of 520.54, and above the 200-day MA of 486.66, indicating a bearish trend. The MACD of -17.37 indicates Positive momentum. The RSI at 35.68 is Neutral, neither overbought nor oversold. The STOCH value of 9.52 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8515.

Aiful Corporation Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8253	73 Outperform	¥631.90B	7.04	9.13%	2.79%	20.96%	22.58%
8572	69 Neutral	¥730.67B	10.93	7.97%	3.48%	6.65%	-4.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥180.05B	9.94	―	4.42%	2.13%	-25.62%
8570	66 Neutral	¥332.82B	14.65	3.46%	3.04%	10.31%	-40.64%
8252	61 Neutral	¥551.94B	21.83	11.30%	3.66%	8.02%	19.35%
8515	56 Neutral	¥220.08B	6.81	13.08%	1.25%	15.37%	26.00%

Aiful Corporation Corporate Events