Aiful Corporation (8515) AI Stock Analysis

• Market Cap: €201.22B
• Dividend Yield: 0.25%
• Average Volume (3M): 2.56M
• Price to Earnings (P/E): 8.7
• Beta (1Y): 0.83
• Revenue Growth: 10.29%
• EPS Growth: 4.09%
• Country: JP
• Employees: 2,470
• Sector: Financial
• Sector Strength: 82
• Industry: Financial - Credit Services
• EPS (TTM): 15.88
• Shares Outstanding: 484,620,120
• 10 Day Avg. Volume: 2,016,650
• 30 Day Avg. Volume: 2,557,223
• PEG Ratio: -86.64
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.96
• 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: €480.18
• Price Target Upside: 16.55% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: ¥421.00 ▲(2.18%Upside)

The overall stock score of 68 reflects a combination of strong technical indicators and undervaluation, tempered by financial risks due to high leverage and negative cash flows. The company shows potential for growth, but financial stability improvements are needed to enhance its investment appeal.

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, corporate turnaround and restructuring, warehouse, document management, and leasing services, as well as used car and medical loans. The company also provides postpay settlement, factoring, and installment credit sales services. As of March 31, 2021, it operated a network of 20 branches. The company was formerly known as Marutaka, Inc. and changed its name to Aiful Corporation in May 1982. Aiful Corporation was founded in 1967 and is headquartered in Kyoto, Japan.

How the Company Makes Money

Aiful Corporation generates revenue primarily through interest income from its portfolio of unsecured personal loans and small business loans. These loans typically have higher interest rates, reflecting the higher risk associated with lending to individuals and small businesses without collateral. Additionally, the company earns fees from its credit guarantee services, where it provides guarantees to financial institutions on behalf of its customers, enabling them to access loans from third-party lenders. Aiful also collaborates with various financial institutions and retail partners to expand its service offerings and customer base. The combination of interest income, service fees, and strategic partnerships contributes significantly to Aiful's earnings.

Aiful Corporation Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
182.10B	163.11B	144.15B	132.09B	127.48B	127.03B
	Gross Profit
169.20B	155.53B	136.85B	124.86B	118.82B	118.23B
	EBIT
24.09B	21.06B	23.72B	11.24B	17.53B	1.68B
	EBITDA
35.69B	24.98B	27.32B	14.66B	20.90B	4.70B
	Net Income Common Stockholders
22.30B	21.82B	22.34B	12.33B	18.44B	1.39B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
65.21B	56.92B	45.79B	46.76B	42.65B	44.98B
	Total Assets
1.39T	1.27T	1.07T	935.64B	863.35B	860.51B
	Total Debt
751.10B	664.90B	561.24B	480.40B	457.64B	475.89B
	Net Debt
693.99B	607.99B	517.98B	435.95B	416.69B	432.37B
	Total Liabilities
1.18T	1.06T	890.89B	779.12B	715.66B	731.58B
	Stockholders Equity
210.63B	197.91B	176.07B	153.90B	145.55B	126.02B
Cash Flow		Free Cash Flow
-85.11B	-84.31B	-75.08B	-19.15B	15.67B	-53.39B
	Operating Cash Flow
-82.51B	-74.21B	-70.59B	-15.63B	20.28B	-51.13B
	Investing Cash Flow
-17.94B	-12.76B	-8.95B	-2.22B	-9.27B	-2.72B
	Financing Cash Flow
105.65B	100.93B	78.20B	21.03B	-18.81B	55.36B

Aiful Corporation Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 412.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8515, the sentiment is Positive. The current price of 412 is above the 20-day moving average (MA) of 397.05, above the 50-day MA of 365.06, and above the 200-day MA of 338.35, indicating a bullish trend. The MACD of 12.37 indicates Negative momentum. The RSI at 68.29 is Neutral, neither overbought nor oversold. The STOCH value of 69.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8515.

Aiful Corporation Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8515	68 Neutral	€201.22B	8.74	10.80%	0.25%	10.29%	4.09%
Sector *	64 Neutral	$12.76B	9.77	7.59%	16985.66%	12.30%	-7.71%
AK5		€3.95B	20.11	4.89%	3.43%	―	―
AEOJF		$1.93B	15.01	4.16%	3.87%	―	―
CSASF		$4.45B	7.10	9.28%	4.00%	―	―
JSE		€887.21M	13.79	7.36%	4.93%	―	―
8584	75 Outperform	¥141.16B	7.51		4.72%	3.24%	-21.76%

Aiful Corporation Corporate Events

Aiful Corporation Proposes Amendments to Articles of Incorporation

Aiful Corporation announced proposed amendments to its Articles of Incorporation during a Board of Directors meeting. The key changes include the removal of the record date for voting rights at the Annual General Meeting of Shareholders, contingent on the approval of a share transfer plan, and adjustments to strengthen the management structure by revising the appointment process for directors. These amendments aim to streamline administrative procedures and enhance the company’s governance framework.

The most recent analyst rating on (JP:8515) stock is a Buy with a Yen490.00 price target. To see the full list of analyst forecasts on Aiful Corporation stock, see the JP:8515 Stock Forecast page.

AIFUL Corporation to Transition to Holding Company Structure

AIFUL Corporation announced its decision to transition to a holding company structure by establishing Muninova Holdings Inc. through a sole share transfer, effective April 1, 2026. This strategic move aims to strengthen group governance, diversify operations through M&A, and enhance competitiveness by reducing reliance on core businesses. The transition will result in AIFUL becoming a wholly owned subsidiary, with plans for the new holding company to list on the Tokyo Stock Exchange’s Prime Market.

The most recent analyst rating on (JP:8515) stock is a Buy with a Yen490.00 price target. To see the full list of analyst forecasts on Aiful Corporation stock, see the JP:8515 Stock Forecast page.

AIFUL Corporation Reports Strong Fiscal Year 2025 Results and Strategic M&A Activity

AIFUL Corporation reported a strong financial performance for the fiscal year ending March 31, 2025, with significant increases in operating revenue and profit. The company also announced changes in its scope of consolidation due to mergers and acquisitions, impacting its financial positioning and market strategy.