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
63
  • Value
    99
  • Growth
    58
  • Safety
    Safety
    48
  • Combined
    84
  • Sentiment
    26
  • 360° View
    360° View
    63
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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 63 (better than 63% 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 of the metrics below and half above average for Aiful. The consolidated Value Rank has an attractive rank of 99, 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 the stock price is lower than for 99% of alternative stocks in the same industry. The consolidated Growth Rank has a good rank of 58, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. But the professional market sentiment is below average compared with other stock investment alternatives with a Sentiment Rank of 26. Professional investors are more confident in 74% other stocks. Worryingly, the company has risky financing, with a Safety rank of 48. This means 52% of comparable companies have a safer financing structure than Aiful. ...read more

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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: 13-Mar-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.

Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
99 71 63 51
Growth
58 33 49 49
Safety
Safety
48 39 17 94
Sentiment
26 45 12 38
360° View
360° View
63 46 13 75
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Metrics Current 2025 2024 2023
Analyst Opinions
31 58 84 73
Opinions Change
50 28 6 50
Pro Holdings
n/a 43 10 10
Market Pulse
49 68 17 46
Sentiment
26 45 12 38
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Metrics Current 2025 2024 2023
Value
99 71 63 51
Growth
58 33 49 49
Safety Safety
48 39 17 94
Combined
84 44 28 92
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
80 81 80 76
Price vs. Earnings (P/E)
97 93 93 75
Price vs. Book (P/B)
87 84 62 59
Dividend Yield
63 8 12 14
Value
99 71 63 51
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Metrics Current 2025 2024 2023
Revenue Growth
59 41 81 56
Profit Growth
62 28 22 20
Capital Growth
6 88 83 27
Stock Returns
73 15 27 89
Growth
58 33 49 49
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Metrics Current 2025 2024 2023
Leverage
7 39 40 38
Refinancing
95 71 71 63
Liquidity
38 26 25 98
Safety Safety
48 39 17 94

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This is a mixed bag with good value and high growth balanced by risky financing and negative sentiment. This is a risky stock that requires conviction; you should only consider it if you are willing to conduct further research into the underlying sentiment and financial risks.

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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