- ¥170bn
- ¥859bn
- ¥163bn
- 27
- 53
- 87
- 60
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | 6.5 | ||
| PEG Ratio (f) | 0.42 | ||
| EPS Growth (f) | 18.36% | ||
| Dividend Yield (f) | 0.28% | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 0.8 | ||
| Price to Tang. Book | 0.93 | ||
| Price to Free Cashflow | n/a | ||
| Price to Sales | 0.93 | ||
| EV to EBITDA | 32.18 | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | 3.63% | ||
| Return on Equity | 11.12% | ||
| Operating Margin | 12.02% | ||
Financial Summary
| Year End 31st Mar | Unit | 2020 | 2021 | 2022 | 2023 | 2024 | 2025E | 2026E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | ¥m | 127,038 | 127,481 | 132,097 | 144,152 | 163,108 | 185,867 | 200,902 | 7.18% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | -84.84 | +1223.91 | -37.23 | +84.72 | -2.62 | +0.3 | +18.36 | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
AIFUL CORPORATION is a Japan-based company mainly engaged in loan business, credit sales business, credit guarantee business and receivables management and collection business. The Company operates in three segments including Aiful Co., Ltd., Life Card Co., Ltd. and AIRA & AIFUL Public Company Limited. The loan business is involved in consumer finance business, real estate secured finance business, and finance business. The credit sales business provides a comprehensive credit purchase mediation business. The credit guarantee business provides credit guarantees for loans provided by financial institutions. The receivables management and collection business is engaged in the management and collection of various types of receivables. Other businesses include venture capital business and rent guarantee business.
Directors
- Yoshitaka Fukuda CHM (73)
- Mitsuhide Fukuda PRE (41)
- Toshiaki Ando FID
- Hiroyuki Otomo FID
- Akira Kamiyo SME (61)
- Keiji Masui SME (58)
- Tsuguo Nakagawa SME (63)
- Masayuki Sato SME (64)
- Kazuhiko Tsuda MEO
- Shinichiro Okuyama MEO
- Akitaka Domoto DSL
- Hiroshi Azuma EXO
- Katsuhiko Nagasue EXO
- Takayuki Nakata EXO
- Atsushi Suda EXO
- Ikuo Yamauchi EXO
- Yoshihide Fukuda DRC (59)
- Hitoshi Shimura IND (60)
- Haruichi Suzuki IND (53)
- Last Annual
- March 31st, 2024
- Last Interim
- December 31st, 2024
- Incorporated
- February 1st, 1978
- Public Since
- October 1st, 1998
- No. of Shareholders
- 18,001
- No. of Employees
- 2,470
- Sector
- Banking Services
- Industry
- Financials
- Exchange
Tokyo Stock Exchange- Shares in Issue
- 478,830,282
- Address
- 381-1, Takasago-cho, KYOTO-SHI, 600-8420
- Web
- https://www.aiful.co.jp/
- Phone
- +81 752012000
- Auditors
- Deloitte Touche Tohmatsu LLC
Upcoming Events for 8515
Q1 2026 Aiful Corp Earnings Release
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FAQ
What is the Aiful share price?
As of Today at 19:08 UTC, shares in Aiful are trading at ¥354. This share price information is delayed by 15 minutes.
How has the Aiful share price performed this year?
Shares in Aiful last closed at ¥354 and the price had moved by -22.2% over the past 365 days. In terms of relative price strength the Aiful share price has underperformed the Nikkei 225 Index by -18.01% over the past year.
What are the analyst and broker recommendations for Aiful?
The overall consensus recommendation for Aiful is Buy. You can view the full broker recommendation list by unlocking its StockReport.
Find out moreWhat is the Aiful dividend yield?
The Aiful dividend yield is 0.28% based on the trailing twelve month period.
Does Aiful pay a dividend?
Last year, Aiful paid a total dividend of ¥1, and it currently has a trailing dividend yield of 0.28%.Looking ahead, the next dividend pay date is 2025-06-01.
When does Aiful next pay dividends?
We do not have data on when Aiful is to next pay dividends. The historic dividend yield on Aiful shares is currently 0.28%.
How do I buy Aiful shares?
To buy shares in Aiful you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
What is the market cap of Aiful?
As of the previous close price of ¥354, shares in Aiful had a market capitalisation of ¥170bn.
Where are Aiful shares listed?
Here are the trading details for Aiful:
- Country of listing: Japan
- Exchange: TYO
- Ticker Symbol: 8515
What kind of share is Aiful?
Based on an overall assessment of its quality, value and momentum Aiful is currently classified as a Neutral. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
Is there a Aiful share price forecast for 2025?
The analyst consensus target price for shares in Aiful is ¥455. That is 28.53% above the last closing price of ¥354.
Analysts covering Aiful currently have a consensus Earnings Per Share (EPS) forecast of ¥46 for the next financial year.
Find out moreWhat is the trend in the Aiful share price?
An important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like Aiful. Over the past six months, its share price has outperformed the Nikkei 225 Index by +24.27%.
As of the last closing price of ¥354, shares in Aiful were trading +5.1% higher than their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
What is the Aiful PE Ratio?
The Aiful PE ratio based on its reported earnings over the past 12 months is 6.5. The shares last closed at ¥354.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
Who are the key directors of Aiful?
Aiful's management team is headed by:
- Yoshitaka Fukuda - CHM
- Mitsuhide Fukuda - PRE
- Toshiaki Ando - FID
- Hiroyuki Otomo - FID
- Akira Kamiyo - SME
- Keiji Masui - SME
- Tsuguo Nakagawa - SME
- Masayuki Sato - SME
- Kazuhiko Tsuda - MEO
- Shinichiro Okuyama - MEO
- Akitaka Domoto - DSL
- Hiroshi Azuma - EXO
- Katsuhiko Nagasue - EXO
- Takayuki Nakata - EXO
- Atsushi Suda - EXO
- Ikuo Yamauchi - EXO
- Yoshihide Fukuda - DRC
- Hitoshi Shimura - IND
- Haruichi Suzuki - IND