Stock 8515 AIFUL CORPORATION
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Financials Aiful Corporation

Equities

8515

JP3105040004

Consumer Lending

Market Closed - Japan Exchange
Other stock markets
 02:00:00 2024-04-26 am EDT 		5-day change 1st Jan Change
459 JPY +0.88% Intraday chart for Aiful Corporation -4.97% +20.79%
2023 Aiful Corporation acquired Liblock Inc. CI
2023 ACOM CO., LTD., Japan Financial Services Association, SMBC Consumer Finance Co., Ltd., Shinsei Financial Co., Ltd. and AIFUL CORPORATION Collaborate to Establish a Consortium CI

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 134,469 117,056 154,785 173,649 173,649 222,081 - -
Enterprise Value (EV) 1 517,065 549,425 571,473 609,601 691,633 860,647 891,817 914,478
P/E ratio 14.4 x 84 x 8.39 x 14.1 x 7.77 x 10.8 x 8.87 x 7.74 x
Yield - - 0.31% 0.28% 0.28% 0.51% 0.65% 0.87%
Capitalization / Revenue 1.17 x 0.92 x 1.21 x 1.31 x 1.2 x 1.36 x 1.25 x 1.19 x
EV / Revenue 4.48 x 4.32 x 4.48 x 4.61 x 4.8 x 5.28 x 5.02 x 4.88 x
EV / EBITDA - - - - - - - -
EV / FCF -11,966,614 x -9,879,969 x 35,703,666 x -31,019,808 x -9,212,932 x - - -
FCF Yield -0% -0% 0% -0% -0% - - -
Price to Book 1.08 x 0.93 x 1.06 x 1.13 x 0.99 x 1.13 x 1 x 0.89 x
Nbr of stocks (in thousands) 483,703 483,703 483,703 483,703 483,703 483,837 - -
Reference price 2 278.0 242.0 320.0 359.0 359.0 459.0 459.0 459.0
Announcement Date 5/13/19 5/11/20 5/12/21 5/11/22 5/11/23 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 115,328 127,038 127,481 132,097 144,152 162,938 177,675 187,361
EBITDA - - - - - - - -
EBIT 1 3,031 1,679 17,530 11,242 23,724 21,628 28,110 32,645
Operating Margin 2.63% 1.32% 13.75% 8.51% 16.46% 13.27% 15.82% 17.42%
Earnings before Tax (EBT) 1 3,420 1,569 18,149 12,265 23,959 22,256 28,708 33,243
Net income 1 9,346 1,390 18,437 12,334 22,343 20,626 25,033 28,688
Net margin 8.1% 1.09% 14.46% 9.34% 15.5% 12.66% 14.09% 15.31%
EPS 2 19.32 2.880 38.12 25.50 46.19 42.63 51.75 59.28
Free Cash Flow -43,209 -55,610 16,006 -19,652 -75,072 - - -
FCF margin -37.47% -43.77% 12.56% -14.88% -52.08% - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - 86.81% - - - - -
Dividend per Share 2 - - 1.000 1.000 1.000 2.333 3.000 4.000
Announcement Date 5/13/19 5/11/20 5/12/21 5/11/22 5/11/23 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2020 S1 2021 S1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1 2024 S1 2024 Q3 2024 Q4 2025 Q1 2025 Q2 2025 Q3 2025 Q4
Net sales 1 61,277 63,462 32,508 64,837 33,655 33,605 34,692 35,710 70,402 37,181 36,569 38,665 79,092 42,426 42,500 43,300 44,600 45,600 45,800
EBITDA - - - - - - - - - - - - - - - - - - -
EBIT 1 4,621 9,378 4,222 9,930 8,672 -7,360 6,609 5,541 12,150 5,605 5,969 3,108 6,594 8,792 6,600 4,400 5,900 9,200 9,400
Operating Margin 7.54% 14.78% 12.99% 15.32% 25.77% -21.9% 19.05% 15.52% 17.26% 15.07% 16.32% 8.04% 8.34% 20.72% 15.53% 10.16% 13.23% 20.18% 20.52%
Earnings before Tax (EBT) 5,178 10,281 - 9,856 9,107 - 6,714 5,928 12,642 5,678 5,639 3,408 7,261 8,936 - - - - -
Net income 5,245 9,812 5,030 10,042 8,119 -5,827 5,945 5,827 11,772 5,097 5,474 2,968 6,609 7,815 - - - - -
Net margin 8.56% 15.46% 15.47% 15.49% 24.12% -17.34% 17.14% 16.32% 16.72% 13.71% 14.97% 7.68% 8.36% 18.42% - - - - -
EPS 10.84 20.29 - 20.76 16.79 - 12.29 - 24.34 10.54 - 6.140 13.66 16.16 - - - - -
Dividend per Share - - - - - - - - - - - - - - - - - - -
Announcement Date 11/11/19 11/11/20 11/10/21 11/10/21 2/9/22 5/11/22 8/10/22 11/10/22 11/10/22 2/10/23 5/11/23 8/10/23 11/9/23 2/9/24 - - - - -
1JPY in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 382,596 432,369 416,688 435,952 517,984 638,566 669,736 692,397
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow -43,209 -55,610 16,006 -19,652 -75,072 - - -
ROE (net income / shareholders' equity) 7.8% 1.1% 13.6% 8.2% 13.5% 9.51% 10.6% 11.3%
ROA (Net income/ Total Assets) 0.57% 0.21% 2.24% 1.36% 2.44% 1.6% 1.84% 2%
Assets 1 1,640,945 656,558 823,176 904,557 917,449 1,288,049 1,362,963 1,434,402
Book Value Per Share 2 256.0 261.0 301.0 318.0 364.0 406.0 457.0 514.0
Cash Flow per Share 24.80 9.110 45.20 32.60 53.60 - - -
Capex 1,444 4,477 4,274 4,024 4,483 - - -
Capex / Sales 1.25% 3.52% 3.35% 3.05% 3.11% - - -
Announcement Date 5/13/19 5/11/20 5/12/21 5/11/22 5/11/23 - - -
1JPY in Million2JPY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Aiful Corporation

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
3
Last Close Price
459 JPY
Average target price
496.7 JPY
Spread / Average Target
+8.21%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Other Consumer Lending
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