Ricoh Leasing Company,Ltd. (JP:8566)
:8566
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Ricoh Leasing Company,Ltd.
(8566)
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Rating:68Neutral
Price Target:
¥6,704.00
▲(14.79% Upside)
Action:N/ADate:08/04/25
The overall score of 68 reflects a conflicting profile. The primary drag on the score is the company's poor financial health, driven by critically negative cash flow and high leverage, despite improving profitability. This fundamental weakness is counterbalanced by strong positive technical indicators and an attractive valuation, supported by a low P/E ratio and a solid dividend yield.
Positive Factors
Stable leasing business model
Ricoh Leasing’s core leasing and installment financing model generates recurring, contract-based revenue and asset-backed cash flows. That structure produces durable customer relationships and predictable receipts tied to equipment usage, supporting steady revenue visibility and resilience over 2–6 months.
Negative Factors
High leverage
Elevated leverage increases sensitivity to interest-rate moves and compresses financial flexibility. For a capital-intensive leasing franchise, high debt levels raise refinancing and covenant risks, limiting capacity to invest or absorb shocks over the coming months without raising costs or altering strategy.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable leasing business model
Ricoh Leasing’s core leasing and installment financing model generates recurring, contract-based revenue and asset-backed cash flows. That structure produces durable customer relationships and predictable receipts tied to equipment usage, supporting steady revenue visibility and resilience over 2–6 months.
Read all positive factors
Ricoh Leasing Company,Ltd. (8566) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥188.65B
Dividend Yield3.3%
Average Volume (3M)35.96K
Price to Earnings (P/E)11.6
Beta (1Y)0.61
Revenue Growth7.36%
EPS Growth-3.80%
CountryJP
Employees1,641
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)125.40
Shares Outstanding31,243,223
10 Day Avg. Volume27,850
30 Day Avg. Volume35,963
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)0.72
Price to Sales (P/S)0.54
P/FCF Ratio-1.60
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)502.2
Revenue Forecast (FY)¥330.30B
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 Leas...
How the Company Makes Money
Ricoh Leasing generates revenue primarily through leasing agreements and financial services. The company earns income from long-term and short-term leases of office equipment, IT systems, and machinery, charging clients monthly or annual fees for ...
Ricoh Leasing Company,Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
48
Neutral
Cash Flow
8
Very Negative
| Breakdown | TTM | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 318.90B | 312.16B | 308.33B | 298.89B | 303.85B | 326.27B |
| Gross Profit | 49.45B | 48.55B | 45.57B | 43.27B | 40.04B | 37.70B |
| EBITDA | 44.40B | 44.22B | 40.60B | 39.53B | 37.61B | 34.39B |
| Net Income | 15.62B | 15.66B | 11.28B | 14.87B | 13.48B | 12.02B |
Balance Sheet | ||||||
| Total Assets | 1.40T | 1.38T | 1.25T | 1.24T | 1.18T | 1.16T |
| Cash, Cash Equivalents and Short-Term Investments | 4.59B | 1.34B | 4.96B | 14.12B | 4.83B | 11.03B |
| Total Debt | 1.05T | 1.02T | 914.36B | 921.82B | 879.20B | 838.64B |
| Total Liabilities | 1.17T | 1.14T | 1.03T | 1.03T | 976.24B | 969.38B |
| Stockholders Equity | 235.38B | 234.07B | 221.93B | 211.71B | 201.48B | 191.33B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -105.66B | -12.86B | -30.44B | 1.31B | 24.24B |
| Operating Cash Flow | 0.00 | -94.40B | -753.00M | -16.90B | 9.14B | 38.93B |
| Investing Cash Flow | 0.00 | -12.27B | -13.39B | -17.30B | -9.55B | -21.80B |
| Financing Cash Flow | 0.00 | 103.05B | 4.98B | 43.49B | -5.79B | -6.96B |
Ricoh Leasing Company,Ltd. Technical Analysis
Positive
5840.00
Price Trends
6092.20
Positive
5927.60
Positive
5714.57
Positive
Market Momentum
-26.25
Positive
54.18
Neutral
48.41
Neutral
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 5840 is below the 20-day moving average (MA) of 6090.00, below the 50-day MA of 6092.20, and above the 200-day MA of 5714.57, indicating a bullish trend. The MACD of -26.25 indicates Positive momentum. The RSI at 54.18 is Neutral, neither overbought nor oversold. The STOCH value of 48.41 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥15.18B | 9.57 | ― | 3.57% | 6.66% | 13.62% | |
72 Outperform | ¥401.49B | 8.49 | ― | 3.65% | 21.22% | -2.77% | |
72 Outperform | ¥2.07T | 10.19 | 8.92% | 3.20% | 3.42% | 22.06% | |
71 Outperform | ¥4.97T | 10.66 | 10.32% | 3.30% | 6.21% | 11.62% | |
68 Neutral | ¥188.65B | 11.64 | ― | 3.30% | 7.36% | -3.80% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥341.67B | 14.65 | 3.46% | 3.04% | 10.31% | -40.64% |
* Financial Sector Average
JP:8566
Ricoh Leasing Company,Ltd.
6,120.00
701.55
12.95%
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53.67%
Ricoh Leasing Company,Ltd. Corporate Events
Ricoh Leasing to Launch Employee Stock Compensation Plan via Trust
Mar 25, 2026
Ricoh Leasing Company, Ltd. has approved the introduction of a stock compensation plan using a trust structure for its employees, positioning them as shareholder-employees who share in the benefits and risks of stock price movements. By granting s...
Ricoh Leasing Revamps Board With New Independent and Cross-Industry Directors
Mar 25, 2026
Ricoh Leasing Company, Ltd. has approved a slate of board director candidates, including the reelection of President and CEO Tokuharu Nakamura and other internal executives, alongside several new directors drawn from legal, technology, and leasing...
Ricoh Leasing Standardizes Shareholder Benefits with Flexible Catalog Gifts
Mar 6, 2026
Ricoh Leasing will partially revise its shareholder benefit program, shifting to a unified catalog-gift format for all eligible shareholders while maintaining the existing value tiers based on shareholding volume and period. The move responds to i...
Ricoh Leasing to Rebrand as RITRES in Strategic Shift Beyond Traditional Leasing
Feb 6, 2026
Ricoh Leasing Company, Ltd. plans to rebrand itself as RITRES Co., Ltd., reflecting its evolution from a conventional leasing business into a broader business company engaged in finance rather than solely a financial company engaged in business. T...
Ricoh Leasing Lifts Sales but Profits Drop; Dividend Hike Planned Despite Weaker Outlook
Feb 6, 2026
Ricoh Leasing reported consolidated net sales of ¥254.3 billion for the nine months ended December 31, 2025, up 10.5% year on year, while operating profit and ordinary profit declined 4.0% and 3.8%, respectively, and profit attributable to ow...
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.