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Stock Research: Aiful

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Aiful

TYO:8515 JP3105040004
66
  • Value
    97
  • Growth
    45
  • Safety
    Safety
    48
  • Combined
    75
  • Sentiment
    52
  • 360° View
    360° View
    66
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Company Description

AIFUL CORPORATION is a Japan-based company mainly engaged in loan, credit sales, credit guarantee, and receivables management and collection businesses. It operates in consumer finance, real estate secured finance, comprehensive credit purchase mediation, and credit guarantees for financial institutions. Other businesses include venture capital and rent guarantee. The company operates through Aiful Co., Ltd., Life Card Co., Ltd., and AIRA & AIFUL Public Company Limited. In the last fiscal year, the company had 2738 employees, a market cap of $1406 million, profits of $1171 million, and revenue of $1261 million.

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ANALYSIS: With an Obermatt 360° View of 66 (better than 66% compared with alternatives), overall professional sentiment and financial characteristics for the stock Aiful are above average. The 360° View is based on consolidating four consolidated indicators, with half the metrics below and half above average for Aiful. The consolidated Value Rank has an attractive rank of 97, which means that the share price of Aiful is on the lower side compared with the typical size in indicators such as revenues, profits, and invested capital. This means that the stock price is lower than for 97% of alternative stocks in the same industry. The consolidated Sentiment Rank has a good rank of 52, which means that professional investors are more optimistic about the stock than for 52% of alternative investment opportunities. But the consolidated Growth Rank has a low rank of 45, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, invested capital growth, and stock returns. The consolidated Safety Rank has a riskier rank of 48, meaning the company has a riskier financing structure than 52 comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...read more

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Strongest Rank Capital Growth
Weakest Rank Opinions Change
Country Japan
Industry Consumer Finance
Size Large
Website ir-aiful.com
Index
Aiful stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 23-Apr-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

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Metrics Current 2025 2024 2023
Value
97 71 63 51
Growth
45 33 49 49
Safety
Safety
48 39 17 94
Sentiment
52 45 12 38
360° View
360° View
66 46 13 75
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Metrics Current 2025 2024 2023
Analyst Opinions
44 58 84 73
Opinions Change
98 28 6 50
Pro Holdings
n/a 43 10 10
Market Pulse
31 68 17 46
Sentiment
52 45 12 38
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Metrics Current 2025 2024 2023
Value
97 71 63 51
Growth
45 33 49 49
Safety Safety
48 39 17 94
Combined
75 44 28 92
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
77 81 80 76
Price vs. Earnings (P/E)
97 93 93 75
Price vs. Book (P/B)
93 84 62 59
Dividend Yield
67 8 12 14
Value
97 71 63 51
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Metrics Current 2025 2024 2023
Revenue Growth
53 41 81 56
Profit Growth
61 28 22 20
Capital Growth
5 88 83 27
Stock Returns
65 15 27 89
Growth
45 33 49 49
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Metrics Current 2025 2024 2023
Leverage
5 39 40 38
Refinancing
95 71 71 63
Liquidity
47 26 25 98
Safety Safety
48 39 17 94

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The only strength is good value. All other factors (growth, safety, and sentiment) are below average. This stock is highly sensitive to a crisis and is not advisable. Avoid unless you have solid, independent reasons to believe a significant turnaround is imminent.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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