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Ricoh Leasing Company,Ltd.
(8566)
Select Model
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Rating:52Neutral
Price Target:
¥6,787.00
▲(16.22% Upside)
Action:Downgraded
Date:05/09/26
The score is held back primarily by weak financial quality—especially sustained negative operating/free cash flow and high leverage—despite improved revenue momentum. Technical indicators are neutral, offering limited near-term support. Valuation is comparatively reasonable (P/E ~14) with a ~3.1% dividend yield, partially offsetting the financial risks.
Positive Factors
Recurring leasing and financing revenue model
The core business is recurring lease income, installment interest and fees, creating predictable contractually-backed revenue streams. This business model supports durable cash inflows and customer relationships through equipment lifecycle services, underpinning long-term revenue stability and client stickiness.
Negative Factors
Very high leverage
Debt-to-equity above 4x materially elevates funding and refinancing risk. High leverage magnifies sensitivity to interest rate moves and credit cycles, limits strategic flexibility for acquisitions or buybacks, and requires consistent cash generation to meet obligations, weakening resilience in downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring leasing and financing revenue model
The core business is recurring lease income, installment interest and fees, creating predictable contractually-backed revenue streams. This business model supports durable cash inflows and customer relationships through equipment lifecycle services, underpinning long-term revenue stability and client stickiness.
Read all positive factors
Ricoh Leasing Company,Ltd. (8566) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥207.14B
Dividend Yield2.75%
Average Volume (3M)35.96K
Price to Earnings (P/E)16.4
Beta (1Y)0.54
Revenue Growth7.70%
EPS Growth-19.10%
CountryJP
Employees1,686
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)415.94
Shares Outstanding31,243,223
10 Day Avg. Volume27,850
30 Day Avg. Volume35,963
Financial Highlights & Ratios
PEG Ratio-0.77
Price to Book (P/B)0.74
Price to Sales (P/S)0.53
P/FCF Ratio-2.82
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)550.3
Revenue Forecast (FY)¥351.00B
Ricoh Leasing Company,Ltd. Business Overview & Revenue Model
Company Description
Ricoh Leasing Co., Ltd. engages in leasing, installments and financial services business. It operates through the following segments: Lease and Installment, Financial Service, and Others. The Lease and Installment segment deals with financing and ...
How the Company Makes Money
Ricoh Leasing generates revenue primarily through leasing and financing activities. Key revenue streams typically include (i) lease income earned from customers over the term of operating or finance leases, (ii) interest income from installment sa...
Ricoh Leasing Company,Ltd. Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
48
Neutral
Cash Flow
35
Negative
| Breakdown | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 338.58B | 312.16B | 308.33B | 298.89B | 303.85B |
| Gross Profit | 24.88B | 48.55B | 45.57B | 43.27B | 40.04B |
| EBITDA | 44.92B | 44.22B | 36.45B | 39.53B | 37.61B |
| Net Income | 12.82B | 15.66B | 11.28B | 14.87B | 13.48B |
Balance Sheet | |||||
| Total Assets | 1.47T | 1.38T | 1.25T | 1.24T | 1.18T |
| Cash, Cash Equivalents and Short-Term Investments | 7.21B | 1.34B | 4.96B | 14.12B | 4.83B |
| Total Debt | 1.10T | 1.02T | 914.36B | 921.82B | 879.20B |
| Total Liabilities | 1.22T | 1.14T | 1.03T | 1.03T | 976.24B |
| Stockholders Equity | 241.68B | 234.07B | 221.93B | 211.71B | 201.48B |
Cash Flow | |||||
| Free Cash Flow | -63.71B | -105.66B | -12.86B | -30.44B | 1.31B |
| Operating Cash Flow | -51.73B | -94.40B | -753.00M | -16.90B | 9.14B |
| Investing Cash Flow | -13.23B | -12.27B | -13.39B | -17.30B | -9.55B |
| Financing Cash Flow | 70.82B | 103.05B | 4.98B | 43.49B | -5.79B |
Ricoh Leasing Company,Ltd. Technical Analysis
Neutral
5840.00
Price Trends
6328.00
Positive
6190.14
Positive
5994.70
Positive
Market Momentum
88.55
Positive
51.67
Neutral
17.46
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8566, the sentiment is Neutral. The current price of 5840 is below the 20-day moving average (MA) of 6632.50, below the 50-day MA of 6328.00, and below the 200-day MA of 5994.70, indicating a neutral trend. The MACD of 88.55 indicates Positive momentum. The RSI at 51.67 is Neutral, neither overbought nor oversold. The STOCH value of 17.46 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8566.
Ricoh Leasing Company,Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ¥6.68T | 16.01 | 10.13% | 2.39% | 15.72% | 29.92% | |
64 Neutral | ¥338.97B | 13.19 | 5.51% | 3.35% | 8.42% | 84.66% | |
62 Neutral | ¥2.11T | 13.04 | 8.64% | 3.20% | 5.96% | 19.95% | |
62 Neutral | ¥13.36B | 9.06 | ― | 3.57% | 10.00% | 9.99% | |
61 Neutral | ¥384.08B | 6.89 | ― | 3.65% | 15.93% | 16.92% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
52 Neutral | ¥207.14B | 16.39 | ― | 3.30% | 7.70% | -19.10% |
* General Sector Average
JP:8566
Ricoh Leasing Company,Ltd.
6,570.00
1,187.72
22.07%
JP:8570
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18.76%
Ricoh Leasing Company,Ltd. Corporate Events
Ricoh Leasing to Dispose Treasury Shares for New Employee Stock Compensation Trust
Jul 31, 2026
Ricoh Leasing Company, Ltd. has approved the disposal of 204,300 treasury shares, valued at approximately ¥1.4 billion, to a trust managed by Sumitomo Mitsui Trust Bank for use in a new employee stock compensation plan. The shares, priced at ...
Ricoh Leasing Launches Employee Share Trust to Boost Equity-Based Compensation
Jul 31, 2026
Ricoh Leasing has approved the introduction of an employee stock compensation plan utilizing a trust structure, aiming to grant company shares to eligible employees as a medium- to long-term incentive. The board has authorized the trust to acquire...
Ricoh Leasing Outlines First-Quarter FY2026 Financial Highlights
Jul 31, 2026
Ricoh Leasing Company, Ltd. reported financial highlights for the first quarter of its fiscal year ending March 2027, labeled FY2026, signaling continued disclosure of consolidated results and business performance by field. The release indicates t...
Ricoh Leasing Corrects Rental Contract Data in Fiscal 2026 Highlights
May 15, 2026
Ricoh Leasing Company, Ltd. announced it has corrected errors in the disclosed rental contract volume figures under its Medium-Term Management Plan’s Vendor Customer Solutions Business for the fiscal year ended March 31, 2026. The company s...
Ricoh Leasing Revises Shareholder Return Policy and Launches Six-Year Special Dividend Program
May 8, 2026
Ricoh Leasing has approved a new medium-term management plan for fiscal years 2026 to 2028 and simultaneously revised its shareholder return policy to emphasize both sustainable business growth and improved capital efficiency. The company will mai...
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.