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Last update at 2025-05-20T20:00:00Z
Source: TradingView
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| Breakdown | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 | 2019-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 | 2019-03-31 |
| Income before tax | 23959.00M | 12265.00M | 18149.00M | 1569.00M | 3420.00M |
| Minority interest | -603.00000M | -703.00000M | 2136.00M | 2914.00M | 3741.00M |
| Net income | 22343.00M | 12334.00M | 18437.00M | 1390.00M | 9346.00M |
| Selling general administrative | 45943.00M | 40566.00M | 39593.00M | 41239.00M | 38062.00M |
| Selling and marketing expenses | 16876.00M | 11321.00M | 6808.00M | 8102.00M | 7719.00M |
| Gross profit | 136852.00M | 124855.00M | 118817.00M | 118226.00M | 106081.00M |
| Reconciled depreciation | 3599.00M | 3417.00M | 3418.00M | 3017.00M | 2653.00M |
| Ebit | 24211.00M | 12268.00M | 18987.00M | 1720.00M | 3672.00M |
| Ebitda | 27810.00M | 15685.00M | 22405.00M | 4737.00M | 6325.00M |
| Depreciation and amortization | 3599.00M | 3417.00M | 3418.00M | 3017.00M | 2653.00M |
| Non operating income net other | - | - | - | - | 0.00000M |
| Operating income | 23724.00M | 11242.00M | 17530.00M | 1679.00M | 3031.00M |
| Other operating expenses | 120423.00M | 120849.00M | 109944.00M | 125352.00M | 112290.00M |
| Interest expense | - | 0.00000M | 3.00M | 5.00M | 6.00M |
| Tax provision | 1013.00M | -772.00000M | 355.00M | 1269.00M | -4763.00000M |
| Interest income | 19.00M | 224.00M | 203.00M | 193.00M | 155.00M |
| Net interest income | 19.00M | 224.00M | 200.00M | 188.00M | 149.00M |
| Extraordinary items | - | - | - | - | 0.00000M |
| Non recurring | - | - | - | - | 0.00000M |
| Other items | - | - | - | - | 0.00000M |
| Income tax expense | 1013.00M | -772.00000M | 355.00M | 1269.00M | -4763.00000M |
| Total revenue | 144148.00M | 132094.00M | 127478.00M | 127035.00M | 115325.00M |
| Total operating expenses | 113127.00M | 113610.00M | 101283.00M | 116543.00M | 103046.00M |
| Cost of revenue | 7296.00M | 7239.00M | 8661.00M | 8809.00M | 9244.00M |
| Total other income expense net | 235.00M | 1023.00M | 619.00M | -110.00000M | 389.00M |
| Discontinued operations | - | - | - | - | 0.00000M |
| Net income from continuing ops | 22946.00M | 13037.00M | 17794.00M | 300.00M | 8183.00M |
| Net income applicable to common shares | - | 12334.00M | 18437.00M | 1390.00M | 9346.00M |
| Preferred stock and other adjustments | - | - | - | - | 0.00000M |
| Breakdown | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 |
| Total assets | 1266374.00M | 1070485.00M | 935642.00M | 863354.00M | 860507.00M |
| Intangible assets | 14349.00M | 8392.00M | 6737.00M | 5306.00M | 4285.00M |
| Earning assets | - | - | - | - | - |
| Other current assets | 307851.00M | 206384.00M | 171002.00M | 145829.00M | 145724.00M |
| Total liab | 1064963.00M | 890893.00M | 779117.00M | 715664.00M | 731577.00M |
| Total stockholder equity | 197909.00M | 176072.00M | 153899.00M | 145554.00M | 126016.00M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 309412.00M | 262698.00M | 225209.00M | 199370.00M | 187008.00M |
| Common stock | 94028.00M | 94028.00M | 94028.00M | 94028.00M | 94028.00M |
| Capital stock | 94028.00M | 94028.00M | 94028.00M | 94028.00M | 94028.00M |
| Retained earnings | 90345.00M | 69419.00M | 47560.00M | 38669.00M | 20232.00M |
| Other liab | - | - | 32589.00M | 20390.00M | 31520.00M |
| Good will | 6486.00M | - | - | - | - |
| Other assets | -899659.00000M | 3.00M | 3.00M | 3.00M | 6.00M |
| Cash | 56917.00M | 43251.00M | 44448.00M | 40950.00M | 43524.00M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 747598.00M | 572912.00M | 549257.00M | 499596.00M | 469381.00M |
| Current deferred revenue | 12854.00M | 10750.00M | 5258.00M | 7891.00M | 7566.00M |
| Net debt | 607986.00M | 517984.00M | 435952.00M | 416688.00M | 432369.00M |
| Short term debt | 366246.00M | 267148.00M | 283129.00M | 261961.00M | 245217.00M |
| Short long term debt | 366246.00M | 267148.00M | 283129.00M | 261961.00M | 245217.00M |
| Short long term debt total | 664903.00M | 561235.00M | 480400.00M | 457638.00M | 475893.00M |
| Other stockholder equity | 13536.00M | 12625.00M | 12311.00M | 12857.00M | 11756.00M |
| Property plant equipment | - | - | 16908.00M | 17765.00M | 19698.00M |
| Total current assets | 1190579.00M | 1009948.00M | 880801.00M | 809712.00M | 813722.00M |
| Long term investments | - | - | - | - | - |
| Net tangible assets | - | - | 147162.00M | 140249.00M | 121731.00M |
| Short term investments | 2989.00M | 2540.00M | 2312.00M | 1701.00M | 1451.00M |
| Net receivables | 825811.00M | 136559.00M | 617686.00M | 573481.00M | 581724.00M |
| Long term debt | 298657.00M | 294087.00M | 197271.00M | 195677.00M | 230676.00M |
| Inventory | -980301.00000M | - | - | - | - |
| Accounts payable | 68069.00M | 43066.00M | 40919.00M | 38265.00M | 37156.00M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | 2174.00M | - | - | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 20213.00M | 8542.00M | 9014.00M | 10279.00M | 9772.00M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 75795.00M | 60534.00M | 54838.00M | 53639.00M | 46779.00M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 | 2019-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 | 2019-03-31 |
| Investments | -8945.00000M | -577.00000M | -4462.00000M | -4462.00000M | -579.00000M |
| Change to liabilities | - | 0.00000M | 0.00000M | 0.00000M | 0.00000M |
| Total cashflows from investing activities | - | -2218.00000M | -9274.00000M | -2718.00000M | -4219.00000M |
| Net borrowings | - | 22784.00M | -17787.00000M | 56179.00M | 52961.00M |
| Total cash from financing activities | 78197.00M | 21030.00M | -18813.00000M | 55356.00M | 52658.00M |
| Change to operating activities | - | 15482.00M | 649.00M | 2256.00M | 2680.00M |
| Net income | 23959.00M | 12265.00M | 18149.00M | 1569.00M | 3420.00M |
| Change in cash | -1262.00000M | 3202.00M | -7575.00000M | 7412.00M | 6785.00M |
| Begin period cash flow | 39147.00M | 35945.00M | 43520.00M | 36108.00M | 29323.00M |
| End period cash flow | 37885.00M | 39147.00M | 35945.00M | 43520.00M | 36108.00M |
| Total cash from operating activities | -70593.00000M | -15628.00000M | 20277.00M | -51134.00000M | -41768.00000M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 3599.00M | 3417.00M | 3418.00M | 3017.00M | 2653.00M |
| Other cashflows from investing activities | - | 1879.00M | -409.00000M | -460.00000M | -2480.00000M |
| Dividends paid | -483.00000M | -483.00000M | 483.00M | 483.00M | 483.00M |
| Change to inventory | - | - | - | - | 0.00000M |
| Change to account receivables | - | -43068.00000M | 57.00M | -57128.00000M | -50233.00000M |
| Sale purchase of stock | - | 0.00000M | 0.00000M | 0.00000M | 0.00000M |
| Other cashflows from financing activities | 1648050.00M | 1829953.00M | 1677631.00M | 1554534.00M | 1027614.00M |
| Change to netincome | - | -3724.00000M | -1993.00000M | -847.00000M | -285.00000M |
| Capital expenditures | 4483.00M | 3520.00M | 4603.00M | 2258.00M | 1160.00M |
| Change receivables | - | - | - | - | 0.00000M |
| Cash flows other operating | - | - | - | - | 0.00000M |
| Exchange rate changes | - | - | - | - | 0.00000M |
| Cash and cash equivalents changes | - | - | - | - | 0.00000M |
| Change in working capital | -95568.00000M | -28719.00000M | -372.00000M | -54303.00000M | -47414.00000M |
| Stock based compensation | - | - | - | - | - |
| Other non cash items | -2583.00000M | -2591.00000M | -918.00000M | -1417.00000M | -427.00000M |
| Free cash flow | -75076.00000M | -19148.00000M | 15674.00M | -53392.00000M | -42928.00000M |
Sector: Financial Services Industry: Credit Services
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | Enterprise Value to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| AIFLY Aiful Corp ADR |
- -% | 0.95 | 6.33 | - | 0.0061 | 0.67 | 4.74 | 29.68 |
| V Visa Inc. Class A |
-3.445 0.94% | 363.39 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
-4.63 0.80% | 576.48 | 37.04 | 29.50 | 16.14 | 62.35 | 16.47 | 27.24 |
| AXP American Express Company |
-3.865 1.30% | 292.31 | 21.83 | 20.04 | 3.53 | 7.21 | 4.18 | |
| PYPL PayPal Holdings Inc |
0.35 0.48% | 72.96 | 21.96 | 18.69 | 2.93 | 4.56 | 2.86 | 12.64 |
Aiful Corporation engages in the consumer finance and credit guarantee business in Japan. The company offers unsecured 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. It also provides postpay settlement, factoring, and installment credit sales services. 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.
381-1 Takasago-cho, Kyoto, Japan, 600-8420
| Name | Title | Year Born |
|---|---|---|
| Mr. Mitsuhide Fukuda | Pres, CEO & Representative Director | 1980 |
| Mr. Masayuki Sato | Sr. Managing Exe Officer, Sr. GM of Loan Bus. Div. and Credit Management Div. & Director | 1957 |
| Kazuhiko Tsuda | Managing Exec. Officer | NA |
| Mr. Keiji Masui | Sr. Managing Exec. Officer, Sr. GM of Guarantee Bus. Division & Director | 1963 |
| Mr. Akira Kamiyo | Sr. Managing Exec. Officer, Sr. GM of Management Planning Division & Director | 1960 |
| Mr. Mitsuhide Fukuda | President, CEO & Representative Director | 1980 |
| Fumihiko Hirose | Senior Managing Executive Officer & Senior GM of Finance Division | NA |
| Mr. Masayuki Sato | Sr. MEO, Sr. GM of Loan Bus. Div. & Credit Mgmt. Div. and Representative Director | 1957 |
| Mr. Hiroshi Azuma | Managing Executive Officer & Assistant Sr GM of Loan Business Division | NA |
| Mr. Yuji Fukada | Managing Executive Officer | NA |
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