Ricoh Leasing Company,Ltd. (8566) AI Stock Analysis

• Market Cap: ¥173.54B
• Dividend Yield: 3.17%
• Average Volume (3M): 29.80K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.59
• Revenue Growth: 4.07%
• EPS Growth: 12.68%
• Country: JP
• Employees: 1,641
• Sector: Financial
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 31,243,223
• 10 Day Avg. Volume: 28,220
• 30 Day Avg. Volume: 29,796
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ¥5,412.00
• Price Target Upside: -4.72% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: ¥5,412.00 ▼(-4.72% Downside)

The overall stock score is primarily influenced by solid valuation metrics, indicating potential value investment opportunities. However, technical analysis points to neutral momentum, and financial performance is constrained by high leverage and negative cash flow, posing risks to future financial flexibility.

Ricoh Leasing Company,Ltd. Business Overview & Revenue Model

Company Description

Ricoh Leasing Company, Ltd. engages in leasing and installment sales, and financial service businesses in Japan. The company was formerly known as Ricoh Credit Co., Ltd. and changed its name to Ricoh Leasing Company, Ltd. in April 1984. Ricoh Leasing Company, Ltd. was incorporated in 1976 and is headquartered in Tokyo, Japan.

How the Company Makes Money

Ricoh Leasing Company, Ltd. generates revenue primarily through leasing contracts, where clients pay regular installments for the use of office and industrial equipment. This includes both finance leases, where the client assumes the risks and rewards of ownership, and operating leases, which involve shorter terms and the lessor retaining ownership. Additionally, the company earns income from installment sales, which provide an alternative to traditional purchasing, allowing clients to pay over time. The company's earnings are further supported by its ability to leverage relationships with equipment manufacturers and financial institutions, enhancing its service offerings and financial products.

Ricoh Leasing Company,Ltd. Financial Statement Overview

Summary

Ricoh Leasing Company exhibits stable financial performance with consistent revenue growth and strong operational margins. However, high leverage and negative free cash flow are concerns impacting financial flexibility.

Income Statement

Ricoh Leasing Company has demonstrated a stable revenue stream with a slight growth trend, as seen in the revenue growth from 2024 to 2025. The company maintains a strong gross profit margin, and both EBIT and EBITDA margins are healthy, indicating operational efficiency. However, the net profit margin is moderate, suggesting room for improvement in cost management or revenue enhancement.

Balance Sheet

The balance sheet shows a relatively high debt-to-equity ratio, indicating significant leverage, which could pose a risk if market conditions deteriorate. However, the company has maintained a relatively stable equity ratio, suggesting a balanced approach to financing its assets. The return on equity has been solid, reflecting effective use of shareholder capital.

Cash Flow

The cash flow statement reveals challenges in generating positive free cash flow, with a significant deficit observed in recent years. Nonetheless, the operating cash flow to net income ratio indicates that the company is managing its core operations effectively, though improvements in cash generation from operations would enhance financial stability.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	312.16B	308.33B	298.89B	303.85B	326.27B
Gross Profit	48.55B	45.57B	43.27B	40.04B	37.70B
EBITDA	44.22B	40.60B	39.53B	37.61B	34.39B
Net Income	15.66B	11.28B	14.87B	13.48B	12.02B
Balance Sheet
Total Assets	1.38T	1.25T	1.24T	1.18T	1.16T
Cash, Cash Equivalents and Short-Term Investments	1.34B	4.96B	14.12B	4.83B	11.03B
Total Debt	1.02T	893.34B	886.23B	839.20B	838.64B
Total Liabilities	1.14T	1.03T	1.03T	976.24B	969.38B
Stockholders Equity	234.07B	221.93B	211.71B	201.48B	191.33B
Cash Flow
Free Cash Flow	-105.66B	-12.86B	-30.44B	1.31B	24.24B
Operating Cash Flow	-94.40B	-753.00M	-16.90B	9.14B	38.93B
Investing Cash Flow	-12.27B	-13.39B	-17.30B	-9.55B	-21.80B
Financing Cash Flow	103.05B	4.98B	43.49B	-5.79B	-6.96B

Ricoh Leasing Company,Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 5680.00
• 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:8566, the sentiment is Positive. The current price of 5680 is above the 20-day moving average (MA) of 5498.00, above the 50-day MA of 5316.60, and above the 200-day MA of 5179.30, indicating a bullish trend. The MACD of 87.72 indicates Negative momentum. The RSI at 72.95 is Negative, neither overbought nor oversold. The STOCH value of 92.31 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8566.

Ricoh Leasing Company,Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.53B	11.78	10.43%	3.83%	9.94%	1.31%
8566	61 Neutral	¥173.54B	11.11		3.17%	4.07%	12.68%
AEOJF	―	$2.14B	19.95	3.09%	4.42%	―	―
CSASF	―	$4.38B	9.54	9.55%	3.58%	―	―
MIUFF	―	$11.65B	11.31	8.77%	3.09%	―	―
ORXCF	―	$27.65B	11.73	9.23%	3.17%	―	―
8425	72 Outperform	¥346.18B	7.26		3.75%	19.11%	8.89%

Ricoh Leasing Company,Ltd. Corporate Events

Ricoh Leasing Reports Q1 2025 Financial Results with Increased Sales

Ricoh Leasing Company, Ltd. reported its consolidated financial results for the three months ended June 30, 2025, showing an increase in net sales by 8.9% year-on-year, despite a slight decline in operating and ordinary profits. The company maintained a stable financial position with total assets amounting to 1,404,283 million yen and a slight decrease in equity ratio. The forecast for the fiscal year ending March 31, 2026, anticipates a modest increase in net sales, though with expected declines in operating and ordinary profits, reflecting market challenges.

Ricoh Leasing Relocates Head Office and Amends Articles for Virtual Meetings

Ricoh Leasing Company, Ltd. has announced the relocation of its head office from Chiyoda-ku to Minato-ku, Tokyo, effective July 22, 2025. This move is part of a broader strategy to facilitate smoother organizational management and is expected to have minimal impact on the company’s financial results. Additionally, the company is amending its Articles of Incorporation to allow for virtual-only shareholders’ meetings, aiming to enhance shareholder participation and adapt to digital advancements and potential emergency situations.

Ricoh Leasing Announces Strategic Personnel Changes

Ricoh Leasing Company, Ltd. announced personnel changes effective July 1, 2025, aimed at enhancing corporate value by strengthening governance and clarifying executive roles. These changes involve key positions, including the roles of President and Chief Executive Officer, and are expected to impact the company’s operational efficiency and strategic direction.

Ricoh Leasing Affirms Independent Operations Amid Strong Shareholder Ties

Ricoh Leasing Company, Ltd. has reaffirmed its independent operational status despite being closely affiliated with its largest shareholder, Ricoh Company, Ltd., which holds 33.68% of its voting rights. The company maintains cooperative relationships with both Ricoh Company, Ltd. and its second-largest shareholder, Mizuho Leasing Company, Limited, which holds 19.99% of voting rights, ensuring its autonomy in management decisions. The announcement highlights the company’s strategic positioning within the Ricoh Group and its commitment to independent business operations, which could reassure stakeholders about its governance and operational independence.