OTC · Financial - Credit Services

Aiful Corporation (AIFLY) Stock

$1.40 +0.00% OTC: AIFLY Financial Services

Operating within Japan, Aiful Corporation specializes in consumer lending and providing credit guarantees. Its diverse portfolio of offerings encompasses various loan products, including unsecured, small business, used car, and medical loans.

Valuation

MetricValue
Price$1.40
Market Cap$670.60M
P/E Ratio7.20
P/B Ratio0.92
P/S Ratio0.52
EPS (TTM)$0.19
52-Week High$1.63
52-Week Low$0.95
Dividend Yield

Financials & Margins

MetricValue
ROE11.92%
ROA1.89%
ROCE2.92%
Gross Margin79.95%
Operating Margin16.47%
Net Margin14.48%
Debt/Equity3.58
Current Ratio2.57

Annual Financials (USD)

Metric20212022202320242025
Revenue$127.5B$132.1B$144.1B$163.1B$189.1B
Operating Profit$17.5B$11.2B$23.7B$21.1B$25.3B
Net Profit$18.4B$12.3B$22.3B$21.8B$22.5B
EPS$19.06$12.75$23.10$22.55$23.46
Op Margin13.8%8.5%16.5%12.9%13.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$863.4B$935.6B$1.07T$1.27T$1.45T
Total Liabilities$715.7B$779.1B$890.9B$1.06T$1.23T
Cash$41.0B$44.4B$43.3B$56.9B$60.6B
Borrowings$457.6B$480.4B$561.2B$664.9B$789.6B

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$20.3B$-15.6B$-70.6B$-74.2B$-82.9B
Investing Cash Flow$-13.9B$-5.7B$-13.4B$-22.9B$-60.3B
Financing Cash Flow$-3.0B$-1.3B$-1.1B$-1.1B$-2.5B
Net Cash Flow$-7.6B$3.2B$-1.3B$14.0B$4.0B
Free Cash Flow$15.7B$-19.1B$-75.1B$-84.3B$-108.1B

Valuation & Return Ratios

MetricValue
PEG Ratio0.19
EV / EBITDA14.94
FCF Yield-57.40%
Quick Ratio2.57
Interest Coverage1.73
Return 1Y
Return 3Y
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AEOJFAEON Financial Service Co., Ltd. $8.57 +0.00% 13.27 $1.85B 3.97%
AJMPFAshmore Group plc $3.12 +0.00% 12.00 $2.03B 4.17%
DAHSFDah Sing Financial Holdings Limited $3.34 +0.00% 6.60 $1.07B 10.78%
EHMEFgoeasy Ltd. $35.87 +0.00% -3.03 $575.13M 11.90%
HYPOFHypoport SE $214.70 +0.00% 19.88 $1.43B 0.00%

About Aiful Corporation

Operating within Japan, Aiful Corporation specializes in consumer lending and providing credit guarantees. Its diverse portfolio of offerings encompasses various loan products, including unsecured, small business, used car, and medical loans. Beyond lending, the company also provides an array of financial and business support services such as credit card issuance, prepaid cards, credit guarantees, debt recovery, venture capital investments, agent services, corporate restructuring, warehousing, document management, and leasing. Additionally, Aiful facilitates post-payment solutions, factoring, and installment credit sales. By March 31, 2022, Aiful maintained a branch network totaling 20 locations. Established in 1967, the company, originally named Marutaka, Inc., adopted the Aiful Corporation moniker in May 1982. Its main operational base is located in Kyoto, Japan.

Aiful Corporation is headquartered in JP.

Aiful Corporation (AIFLY) stock trades at $1.40 with a market capitalization of $670.60M. The stock is valued at a price-to-earnings (P/E) ratio of 7.20, price-to-book of 0.92, price-to-sales of 0.52. Over the past 52 weeks the stock has ranged between $0.95 and $1.63, and currently trades 14.1% below its 52-week high.

On profitability, Aiful Corporation generates a return on equity (ROE) of 11.92%, return on capital employed of 2.92%, an operating margin of 16.47%, a net profit margin of 14.48%.

Official website: www.ir-aiful.com

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