Aiful Corp
TSE:8515

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Aiful Corp
TSE:8515
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Price: 320 JPY -1.23% Market Closed
Market Cap: 153.7B JPY
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Intrinsic Value

The intrinsic value of one Aiful Corp stock under the Base Case scenario is 819.13 JPY. Compared to the current market price of 320 JPY, Aiful Corp is Undervalued by 61%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

Intrinsic Value
819.13 JPY
Undervaluation 61%
Intrinsic Value
Price
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Base Case
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Aiful Corp

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Financials
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Balance Sheet Decomposition
Aiful Corp

Current Assets 1.2T
Cash & Short-Term Investments 63.7B
Receivables 886.8B
Other Current Assets 290.3B
Non-Current Assets 89B
PP&E 17B
Intangibles 28.5B
Other Non-Current Assets 43.6B
Current Liabilities 763B
Accounts Payable 69.9B
Short-Term Debt 135.3B
Other Current Liabilities 557.8B
Non-Current Liabilities 367.2B
Long-Term Debt 344.2B
Other Non-Current Liabilities 23B
Efficiency

Earnings Waterfall
Aiful Corp

Revenue
169.1B JPY
Cost of Revenue
-9.1B JPY
Gross Profit
160B JPY
Operating Expenses
-138.9B JPY
Operating Income
21.1B JPY
Other Expenses
1.5B JPY
Net Income
22.6B JPY

Free Cash Flow Analysis
Aiful Corp

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

Profitability Score
Profitability Due Diligence

Aiful Corp's profitability score is 49/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive 3-Years Revenue Growth
Positive Revenue Growth Forecast
Positive 1-Year Revenue Growth
49/100
Profitability
Score

Aiful Corp's profitability score is 49/100. The higher the profitability score, the more profitable the company is.

Solvency Score
Solvency Due Diligence

Aiful Corp's solvency score is 37/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
High D/E
Positive Net Debt
37/100
Solvency
Score

Aiful Corp's solvency score is 37/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

Price Targets Summary
Aiful Corp

Wall Street analysts forecast Aiful Corp stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for Aiful Corp is 465.8 JPY with a low forecast of 404 JPY and a high forecast of 567 JPY.

Lowest
Price Target
404 JPY
26% Upside
Average
Price Target
465.8 JPY
46% Upside
Highest
Price Target
567 JPY
77% Upside
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Dividends

Dividend Yield
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Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for Aiful Corp is .

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Shareholder Yield
Dividend Yield
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Buyback Yield
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Debt Paydown Yield
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Profile

Aiful Corp Logo
Aiful Corp

Country

Japan

Industry

Financial Services

Market Cap

153.7B JPY

Dividend Yield

0.31%

Description

AIFUL Corp. engages in the consumer finance, mortgage loan, guaranteed loan and real estate business. The company is headquartered in Kyoto, Kyoto-Fu and currently employs 2,135 full-time employees. The firm 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.

Contact

KYOTO-FU
Kyoto
381-1, Takasago-cho, Gojo-Agaru, Karasuma-Dori, Shimogyo-ku
+81752012000.0
www.aiful.co.jp

IPO

1998-10-01

Employees

2 135

Officers

President, CEO & Representative Director
Mr. Mitsuhide Fukuda
Senior Managing Executive Officer & Senior GM of Finance Division
Fumihiko Hirose
Sr. MEO, Sr. GM of Loan Bus. Div. & Credit Mgmt. Div. and Representative Director
Mr. Masayuki Sato
Managing Executive Officer & Assistant Sr GM of Loan Business Division
Mr. Hiroshi Azuma
Senior MEO, Senior GM of Guarantee Business Divi., & Corp. Sales Div. and Director
Mr. Keiji Masui
Managing Executive Officer
Atsushi Suda
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Managing Executive Officer & Senior GM of Group Systems Division
Takayuki Nakata
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See Also

Discover More
What is the Intrinsic Value of one Aiful Corp stock?

The intrinsic value of one Aiful Corp stock under the Base Case scenario is 819.13 JPY.

Is Aiful Corp stock undervalued or overvalued?

Compared to the current market price of 320 JPY, Aiful Corp is Undervalued by 61%.

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