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    Financial Services

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    Financial - Credit Services
eGuarantee, Inc.

eGuarantee, Inc.

EGTIF
eGuarantee, Inc.US flagOther OTC
11.15
USD
- -
- -
495.25MMarket Cap
eGuarantee, Inc.
EGTIF
(Other OTC)

Recent

price

11.15

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
19,535.87
101.83
98.63
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
Revenue per Share
2,118.49
13.27
13.53
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
Basic EPS, GAAP
1,760.79
20.22
5.66
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
- -
Free Cash Flow per Basic Share
185.66
1.86
2.35
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
- -
Dividend per Share
10,604.25
64.41
81.98
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
Book Value per Share
15,579.53
91.43
120.1
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
Tangible Book Value per Share
- -
32
35
40
41
41
41
41
42
42
43
44
47
47
48
48
48
Basic Weighted Avg Shares
3,157
3,291
3,416
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
Sales/Revenue/Turnover
19.13
22.24
24.67
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
Operating Margin (%)
15
61
60
56
58
61
33
40
51
69
78
64
82
88
87
92
- -
Depreciation Expense
342
429
469
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
Net Income, GAAP
44.07
40.9
40.47
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
Effective Tax Rate (%)
10.84
13.03
13.72
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
Profit Margin (%)
1,967
2,393
3,591
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
Working Capital
5
4
3
214
137
87
31
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,714
3,112
4,283
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
Total Equity
12.67
13.9
12.89
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 Invested Capital (%)
16.82
17.32
13.62
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 Capital (%)
21.98
22.6
19.04
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
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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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.