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8515.T stock logo

8515.T

Aiful Corporation

$453
-4
 (-0.88%)
[ms_data_label text=’Delayed data’]
Exchange:  JPX
Market Cap:  216.985B
Shares Outstanding:  483.703M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Mitsuhide Fukuda
Full Time Employees:  2470
Address: 
381-1 Takasago-cho
Kyoto
600-8420
JP
Website:  https://www.ir-aiful.com
Aiful Corporation engages in consumer finance and credit guarantee business in Japan. It offers unsecured, secured, and small business loans; and credit card, prepaid card, credit guarantee, debt collection, venture capital, receiving agent, corporate turnaround and restructuring, warehouse, document management, and leasing services, as well as used car and medical loans. The company also provides postpay settlement, factoring, and installment credit sales services. As of March 31, 2021, it operated a network of 20 branches. The company was formerly known as Marutaka, Inc. and changed its name to Aiful Corporation in May 1982. Aiful Corporation was founded in 1967 and is headquartered in Kyoto, Japan.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue136,661,000155,680,000182,344,000
Gross Profit110,526,000127,329,000142,667,000
EBITDA33,876,00031,958,00037,749,000
Operating Income30,026,00027,152,00033,570,000
Net Income22,343,00021,818,00022,516,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,070,485,0001,266,374,0001,448,451,000
Total Liabilities890,893,0001,064,963,0001,227,053,000
Total Stockholders Equity176,072,000197,909,000217,923,000
Total Debt561,235,000664,903,000789,616,000
Cash and Cash Equivalents43,251,00056,917,00060,608,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-70,589,000-74,208,000-82,874,000
Capital Expenditure-996,000-2,296,000-18,189,000
Free Cash Flow-71,585,000-76,504,000-101,063,000
Net Income22,343,00021,818,00022,516,000
Net Change in Cash-1,262,00014,049,0003,994,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)285,236,654.596Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)291,407,337.190Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)288,350,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)61,000,924.153Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)62,320,590.945Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)61,666,746.529Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)45,404,910.136Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)46,686,057.742Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)46,051,298.545Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)0Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)95.950Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)97.270Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)94.600Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
1.04
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
7.21
?Enterprise Value
 (TTM)
: 
1.008T  ?EV/FCF
 (TTM)
: 
-11.55
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.11
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
3.58
?P/B
 (TTM)
: 
0.92  ?Current Ratio
 (TTM)
: 
2.57

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
1,011.53Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate T Intrinsic Value

Common questions about 8515.T valuation

Is Aiful Corporation (8515.T) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Aiful Corporation (8515.T) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is 8515.T a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether 8515.T trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is 8515.T’s P/E ratio?

You can see 8515.T’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for 8515.T?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is 8515.T a good long-term investment?

Whether 8515.T fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

8515.T

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

-0.88
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 300   Year High: 595
Price Avg 50: 500.56   Price Avg 200: 488.77
Volume: 2.017M   Average Volume: 2.201M

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