eGuarantee, Inc.

eGuarantee, Inc.

EGTIF
eGuarantee, Inc.US flagOther OTC
11.15
USD
- -
- -
495.25MMarket 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
89.42
91.5
99.06
107.19
110.56
121.27
131.96
140.14
161.99
169.62
179.96
192.69
214.09
97.19
Basic EPS, GAAP
14.31
17.29
22.05
26.94
32.27
34.88
39.11
54.14
45.12
52.92
60.68
68.6
73.1
35.59
Free Cash Flow per Basic Share
14.95
11.51
17.71
40.49
29.56
30.01
32.9
22.41
104.01
54.93
57.8
61.36
82.04
- -
Dividend per Share
3.1
4.3
5.52
6.95
8.53
10.01
11.23
12.99
13.39
21.61
25.77
33.9
34.97
- -
Book Value per Share
81.82
94.35
110.74
130.55
154.71
177.31
207.35
247.18
301.02
327.42
363.47
397.32
436
394.05
Tangible Book Value per Share
120.15
127.44
150.29
170.97
197.65
221.44
255.81
299.28
384.44
420.94
463.18
504.13
550.16
503.46
Basic Weighted Avg Shares
40
41
41
41
41
42
42
43
44
47
47
48
48
48
Sales/Revenue/Turnover
3,617
3,737
4,065
4,422
4,577
5,105
5,573
5,957
7,195
7,895
8,495
9,165
10,224
4,664
Operating Margin (%)
28.51
34.79
37.84
41.36
46.31
44.59
45.08
45.64
42.93
47.28
48.86
52.92
49.92
53.63
Depreciation Expense
56
58
61
33
40
51
69
78
64
82
88
87
92
- -
Net Income, GAAP
579
706
905
1,112
1,336
1,469
1,652
2,301
2,004
2,463
2,865
3,263
3,491
1,708
Effective Tax Rate (%)
38.56
34.41
33.99
32.83
29.42
30.8
30.94
7.03
29.81
30.31
30.81
30.51
30.01
31.16
Profit Margin (%)
16
18.89
22.26
25.14
29.18
28.77
29.64
38.63
27.85
31.2
33.72
35.6
34.14
36.62
Working Capital
3,939
3,684
3,583
4,054
5,467
6,016
6,686
10,114
11,817
14,272
13,153
12,005
12,400
10,160
LT Debt
214
137
87
31
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
4,944
5,251
6,174
7,110
8,276
9,440
10,961
12,798
17,186
19,717
21,999
24,127
26,391
24,315
Return on Invested Capital (%)
12.76
15.18
16.45
17.43
18.58
17.05
16.29
20.87
14.02
13.5
13.31
14.14
13.64
7.14
Return on Capital (%)
13.29
11.74
14.79
16.05
16.43
16.79
16.86
20.27
14.12
14.84
15.89
15.88
15.47
8.38
Return on Common Equity (%)
18.82
19.71
21.55
22.39
22.66
21.18
20.36
23.89
16.79
17.22
17.68
18.1
17.58
9.47

Capital Structure

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
48
- -
48
Market Capitalization
- -
65,494
67,254

Working Capital

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
17,872
- -
15,775
Cash, Cash Equivalents & STI
15,844
- -
12,927
Accounts Receivable, Net
81
- -
74
Inventories
- -
- -
- -
Total Current Liabilities
5,867
- -
5,615
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.82%
15.93%
9.39%
Free Cash Flow
47.33%
77.66%
34.26%
Net Income, GAAP
15.2%
9.44%
6.99%
Sales/Revenue/Turnover
9.75%
11.51%
11.56%
Total Cash Common Dividend
23.21%
26.78%
3.57%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,240
2,261
2,320
2,344
9,165
2025
- -
- -
- -
- -
10,224
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
16.24
- -
- -
- -
68.6
2025
- -
- -
- -
- -
73.1
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
33.9
2025
- -
- -
- -
- -
34.97
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Masanori Eto
Full Time Employees
190
Sector
Financial Services
Industry
Financial - Credit Services
Address
Akasaka BizTower Tokyo Japan 107-6337
IPO Date
Feb 22, 2010
Business
eGuarantee, Inc. provides credit risk underwriting and securitization services primarily for business-to-business transactions in Japan; its core offerings include sales credit guarantees against uncollected receivables from trade agreements, contractor credit guarantees, debtor trust guarantees, financial credit guarantees for factoring companies, and advance payment debt guarantees for financial institutions; the company leverages proprietary big data on over 300,000 companies annually, including payment records and transaction details, to assess risks dynamically and securitize them by subdividing for investors such as funds and banks, enabling low-cost hedging and the largest guarantee obligations in Japan exceeding one trillion yen. Founded on September 8, 2000, and headquartered in Minato-ku, Tokyo, eGuarantee operates through offices in Tokyo, Osaka, Kyushu, Nagoya, Hokkaido, and Chugoku-Shikoku regions, serving community banks, major city banks, trust banks, securities firms, leasing companies, nonbanks, and commercial clients; it maintains 184 employees as of March 31, 2025, with capital of 3,975 million yen and listing on the Prime Market of the Tokyo Stock Exchange under ticker 8771 (OTC: EGTIF). Recent developments encompass the "Accelerate 2028" growth strategy shifting to aggressive risk underwriting via enhanced database capabilities, digitalization, and sales resource expansion targeting ordinary profit of 10.0 billion yen by fiscal year ending March 2028; treasury share repurchases totaling 2.7 billion yen as of September 2025, including 852,000 shares acquired in December 2025 for 1.45 billion yen; branch relocations and openings such as the Chugoku-Shikoku branch in March 2023 and Osaka branch move in May 2023; and new fund compositions like Credit Guarantee VII in May 2023 to support securitization.