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    Financial Services

  3. •

    Financial - Credit Services
Aiful Corporation

Aiful Corporation

AIFLY
Aiful CorporationUS flagOther OTC
1.40
USD
- -
- -
670.60MMarket 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
103.56
95.49
89.59
90.84
94.57
119.27
119.21
131.32
131.77
136.54
149
168.58
196.93
86.91
Basic EPS, GAAP
23.6
31.67
-37.87
7.3
7.52
4.09
9.66
1.44
19.06
12.75
23.1
22.55
23.46
15.73
Free Cash Flow per Basic Share
21.01
55.93
16.89
-35.54
-55.26
-74.83
-44.37
-55.19
16.2
-19.79
-77.61
-87.14
-112.62
-48.44
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.5
0.5
0.5
0.5
- -
Book Value per Share
-61.12
-29.45
-67.18
96.12
103.54
106.72
116.78
118.11
137.17
146.36
168.95
190.56
214.95
197.59
Tangible Book Value per Share
104.21
135.65
98.46
104.7
112.24
120.12
128.92
128.84
147.18
154.83
176.97
193.34
199.89
184.02
Basic Weighted Avg Shares
962
962
964
965
967
967
967
967
967
967
967
968
960
967
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
- -
- -
172,312

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
3.07
- -
- -
- -
22.55
2025
- -
- -
- -
- -
23.46
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.5
- -
- -
- -
0.5
2025
- -
- -
- -
- -
0.5
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
May 31, 2006
Website
ir-aiful.com
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Aiful Corporation (AIFLY)
Business
Aiful Corporation Aiful Corporation (AIFLY) operates as a leading consumer finance company in Japan, providing unsecured personal loans, small business loans, credit card services including prepaid cards via Life Card, credit guarantees, debt collection, venture capital, receiving agent services, corporate turnaround and restructuring, warehouse operations, document management, leasing, used car loans, medical loans, postpay settlement, factoring, installment credit sales, and pet insurance; through subsidiaries such as AG Payment Service for consumer installment credit, in-house loan guarantees, and Mirai Barai deferred payment services, AG Partners for removal of long-term accrued credit, and AG Medical for medical loans secured by receivables. The company, founded in April 1967 and headquartered at 381-1 Takasago-cho, Gojo-Agaru, Karasuma-Dori, Shimogyo-ku, Kyoto 600-8420, Japan, maintains 26 branches across Japan and employs approximately 5,003 group-wide personnel as of March 31, 2025, with core segments encompassing consumer finance, small business loans, and credit guarantees primarily targeting individuals and small enterprises domestically. In recent developments, Aiful accelerates its transformation into an IT-focused entity through aggressive M&A under its Medium-Term Management Plan 2024, which allocates up to 60 billion yen over three years; key 2025 acquisitions include Smart Link co., ltd. and TEMPLATE co., ltd. for system engineering services in June and May respectively, alongside earlier 2024 purchases of Salop, Inc., Bitcash Inc. for prepaid electronic money, and four SES companies including Seven Seas Co., Ltd. and Liblock Inc. to bolster in-house system development, UI/UX, and engineer headcount; the company also announced an acquisition of PT Multindo Auto Finance in August 2025, announced management restructuring effective October 1, 2025, and continues digital enhancements with over 60% of loan applications processed online.