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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
15
  • Value
    89
  • Growth
    16
  • Safety
    Safety
    45
  • Combined
    45
  • Sentiment
    1
  • 360° View
    360° View
    15
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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 15 (better than 15% compared with alternatives), overall professional sentiment and financial characteristics for the stock Aiful are critical, mostly below average. The 360° View is based on consolidating four consolidated indicators, with three out of four indicators below average for Aiful. Only the consolidated Value Rank has an attractive rank of 89, 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 89% of alternative stocks in the same industry. All other consolidated ranks are below average. The consolidated Growth Rank has a low rank of 16, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. The consolidated Safety Rank has a riskier rank of 45, meaning the company has a riskier financing structure than 55% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, professionals are more pessimistic about the stock than for 99% of alternative investment opportunities, reflected in the consolidated Sentiment Rank of 1. ...read more

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Strongest Rank Sentiment
Weakest Rank Price vs. Earnings (P/E)
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-Jun-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
89 71 63 51
Growth
16 33 49 49
Safety
Safety
45 39 17 94
Sentiment
1 45 12 38
360° View
360° View
15 46 13 75
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Metrics Current 2025 2024 2023
Analyst Opinions
28 58 84 73
Opinions Change
50 28 6 50
Pro Holdings
n/a 43 10 10
Market Pulse
3 68 17 46
Sentiment
1 45 12 38
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Metrics Current 2025 2024 2023
Value
89 71 63 51
Growth
16 33 49 49
Safety Safety
45 39 17 94
Combined
45 44 28 92
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
84 81 80 76
Price vs. Earnings (P/E)
97 93 93 75
Price vs. Book (P/B)
90 84 62 59
Dividend Yield
69 8 12 14
Value
89 71 63 51
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Metrics Current 2025 2024 2023
Revenue Growth
40 41 81 56
Profit Growth
14 28 22 20
Capital Growth
39 88 83 27
Stock Returns
55 15 27 89
Growth
16 33 49 49
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Metrics Current 2025 2024 2023
Leverage
7 39 40 38
Refinancing
97 71 71 63
Liquidity
42 26 25 98
Safety Safety
45 39 17 94

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Frequently Asked
Questions

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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