Ricoh Leasing Company,Ltd. (JP:8566)
:8566
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Ricoh Leasing Company,Ltd.
(8566)
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Rating:52Neutral
Price Target:
¥6,020.00
▲(3.08% 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
Revenue Momentum
Re-accelerating top-line (338.6B, +6.2% in FY2026) reflects durable demand for leasing services and expands the earning base. Sustained revenue growth supports long-term contract origination volumes and underwriting scale, improving potential profitability over multiple quarters.
Negative Factors
High Leverage
Very high leverage (debt/equity ~4.5x) materially raises refinancing and interest-rate sensitivity and limits financial flexibility. Over multiple months this increases funding risk, constrains strategic choices, and amplifies earnings volatility if credit costs rise or asset yields compress.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Momentum
Re-accelerating top-line (338.6B, +6.2% in FY2026) reflects durable demand for leasing services and expands the earning base. Sustained revenue growth supports long-term contract origination volumes and underwriting scale, improving potential profitability over multiple quarters.
Read all positive factors
Ricoh Leasing Company,Ltd. (8566) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥190.50B
Dividend Yield3.3%
Average Volume (3M)35.96K
Price to Earnings (P/E)14.0
Beta (1Y)0.57
Revenue Growth8.46%
EPS Growth-18.12%
CountryJP
Employees1,641
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)506.68
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 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
The company makes money primarily through (1) lease-related income and (2) finance-related income generated from providing customers with access to equipment and funding. In its core leasing business, Ricoh Leasing purchases equipment and provides...
Ricoh Leasing Company,Ltd. Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
48
Neutral
Cash Flow
35
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 318.90B | 338.58B | 312.16B | 308.33B | 298.89B | 303.85B |
| Gross Profit | 49.45B | 24.88B | 48.55B | 45.57B | 43.27B | 40.04B |
| EBITDA | 44.40B | 44.92B | 44.22B | 40.60B | 39.53B | 37.61B |
| Net Income | 15.62B | 12.82B | 15.66B | 11.28B | 14.87B | 13.48B |
Balance Sheet | ||||||
| Total Assets | 1.40T | 1.47T | 1.38T | 1.25T | 1.24T | 1.18T |
| Cash, Cash Equivalents and Short-Term Investments | 4.59B | 7.21B | 1.34B | 4.96B | 14.12B | 4.83B |
| Total Debt | 1.05T | 1.10T | 1.02T | 914.36B | 921.82B | 879.20B |
| Total Liabilities | 1.17T | 1.22T | 1.14T | 1.03T | 1.03T | 976.24B |
| Stockholders Equity | 235.38B | 241.68B | 234.07B | 221.93B | 211.71B | 201.48B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -63.71B | -105.66B | -12.86B | -30.44B | 1.31B |
| Operating Cash Flow | 0.00 | -51.73B | -94.40B | -753.00M | -16.90B | 9.14B |
| Investing Cash Flow | 0.00 | -13.23B | -12.27B | -13.39B | -17.30B | -9.55B |
| Financing Cash Flow | 0.00 | 70.82B | 103.05B | 4.98B | 43.49B | -5.79B |
Ricoh Leasing Company,Ltd. Technical Analysis
Positive
5840.00
Price Trends
6046.43
Positive
5986.18
Positive
5780.56
Positive
Market Momentum
51.34
Negative
51.88
Neutral
78.01
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 6144.00, below the 50-day MA of 6046.43, and above the 200-day MA of 5780.56, indicating a bullish trend. The MACD of 51.34 indicates Negative momentum. The RSI at 51.88 is Neutral, neither overbought nor oversold. The STOCH value of 78.01 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | ¥6.02T | 11.49 | 10.32% | 3.30% | 15.72% | 30.16% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ¥1.92T | 12.40 | 8.92% | 3.20% | 5.96% | 19.95% | |
62 Neutral | ¥12.90B | 9.70 | ― | 3.57% | 16.06% | 11.67% | |
61 Neutral | ¥341.77B | 14.33 | 3.46% | 3.04% | 7.13% | 34.82% | |
61 Neutral | ¥380.99B | 8.17 | ― | 3.65% | 32.52% | 9.94% | |
52 Neutral | ¥190.50B | 13.99 | ― | 3.30% | 8.46% | -18.12% |
* Financial Sector Average
JP:8566
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Ricoh Leasing Company,Ltd. Corporate Events
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...
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...
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.