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    Financial Services

  3. •

    Financial - Credit Services
Aiful Corporation

Aiful Corporation

AIFLF
Aiful CorporationUS flagOther OTC
3.05
USD
- -
- -
1.46BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
207.12
190.98
179.18
181.68
189.14
238.54
238.42
262.63
263.55
273.09
298.01
337.16
393.87
173.81
Basic EPS, GAAP
47.21
63.33
-75.74
14.59
15.05
8.18
19.32
2.87
38.12
25.5
46.19
45.1
46.91
31.46
Free Cash Flow per Basic Share
42.02
111.86
33.79
-71.07
-110.51
-149.66
-88.75
-110.38
32.4
-39.59
-155.21
-174.27
-225.24
-96.89
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1.01
- -
Book Value per Share
-122.24
-58.9
-134.37
192.25
207.08
213.45
233.55
236.22
274.34
292.72
337.91
381.12
429.9
395.18
Tangible Book Value per Share
208.43
271.31
196.93
209.41
224.48
240.24
257.84
257.69
294.36
309.67
353.94
386.68
399.79
368.03
Basic Weighted Avg Shares
481
481
482
483
483
484
484
484
484
484
484
484
480
483
Sales/Revenue/Turnover
99,616
91,854
86,347
87,705
91,447
115,384
115,325
127,035
127,478
132,094
144,148
163,107
189,050
84,018
Operating Margin (%)
14.78
24.5
-45.82
7.62
7.66
2.16
2.63
1.32
13.75
8.51
16.46
12.92
13.38
17.23
Depreciation Expense
6,020
3,761
2,753
2,362
2,338
2,384
2,653
3,017
3,418
3,417
3,599
3,913
4,347
2,102
Net Income, GAAP
22,705
30,461
-36,499
7,044
7,276
3,958
9,346
1,390
18,437
12,334
22,343
21,818
22,516
15,209
Effective Tax Rate (%)
1.87
2.08
- -
- -
1.65
16.47
- -
80.88
1.96
- -
4.23
- -
8.87
12.01
Profit Margin (%)
22.79
33.16
-42.27
8.03
7.96
3.43
8.1
1.09
14.46
9.34
15.5
13.38
11.91
18.1
Working Capital
361,947
335,975
286,508
298,870
306,727
340,713
337,729
344,341
310,116
331,544
437,036
442,981
547,468
496,267
LT Debt
215,038
187,865
142,782
158,751
191,874
227,729
226,048
230,676
195,677
197,271
294,087
298,657
419,792
363,089
Total Equity
105,007
133,542
97,474
104,251
111,650
119,405
128,016
128,930
147,690
156,525
179,592
201,411
221,394
206,077
Return on Invested Capital (%)
3.37
5.49
- -
- -
1.8
0.46
- -
0.06
2.83
- -
3.29
- -
2.45
- -
Return on Capital (%)
8.36
12.76
- -
- -
1.96
1.14
- -
0.44
3.22
- -
3.21
- -
2.48
2.56
Return on Common Equity (%)
- -
- -
- -
- -
7.54
3.89
8.65
1.22
14.93
8.99
14.65
12.55
11.53
8.45

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
366,246
- -
359,825
LT Borrowings
298,657
- -
363,089
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
484
- -
479
Market Capitalization
134,789
237,331
211,916

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
1,190,579
- -
1,238,313
Cash, Cash Equivalents & STI
59,906
- -
51,787
Accounts Receivable, Net
167,753
- -
181,819
Inventories
- -
- -
- -
Total Current Liabilities
747,598
- -
742,046
Payables & Accruals
- -
- -
- -
ST Debt
366,246
- -
359,825
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.63%
11.47%
9.92%
Free Cash Flow
-25.47%
-3.78%
28.24%
Net Income, GAAP
116.47%
255.06%
3.2%
Sales/Revenue/Turnover
8.43%
8.43%
15.91%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
38,663
40,426
42,426
41,592
163,107
2025
- -
- -
- -
- -
189,050
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6.14
- -
- -
- -
45.1
2025
- -
- -
- -
- -
46.91
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1
- -
- -
- -
1
2025
- -
- -
- -
- -
1.01
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Mitsuhide Fukuda
Full Time Employees
2,470
Sector
Financial Services
Industry
Financial - Credit Services
Address
381-1 Takasago-cho Kyoto Japan 600-8420
IPO Date
Jun 1, 2022
Website
ir-aiful.com
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Business
Aiful Corporation operates across the consumer finance, small business lending, and credit guarantee sectors primarily in Japan, with an expanding presence internationally. The company provides a range of offerings including personal loans, solutions for small and medium-sized enterprises, and residential mortgages. Its diverse portfolio also encompasses credit and prepaid card services, installment credit, and post-pay settlement options. Beyond direct lending, Aiful delivers credit guarantees for various financial institutions, offers debt collection services, and engages in venture capital investments, factoring, and corporate restructuring support. The company has recently expanded its consolidated operations, including new subsidiaries, and commenced business in the Republic of the Philippines. As of March 31, 2025, Aiful maintained 26 branches across Japan and 45 branches in Thailand through its joint venture, AIRA & AIFUL. Established in April 1967, and initially incorporated as Marutaka, Inc. in 1978 before adopting the Aiful Corporation name in May 1982, the company is based in Kyoto, Japan.