1. Japan Stocks

  2. •

    Finance

  3. •

    Specialty insurance
J-LEASE CO., LTD.

J-LEASE CO., LTD.

TTSE:7187
1,330.00
JPY
+5.00
(+0.38%)
21.86BMarket Cap
Nov 10Next Earn
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
292.3
235.98
254.64
290.68
346.24
383.31
430.93
516.02
616.15
743.81
968.35
1,209.78
- -
Basic EPS, GAAP
0.29
6.43
13.62
-4.28
-8.53
1.38
31.33
75.47
93.73
100.69
117.14
138.56
- -
Free Cash Flow per Basic Share
-69.76
-78.93
74.41
-63.91
-53.96
-26.12
43.61
61.52
80.14
64.91
87.27
-4.2
- -
Dividend per Share
- -
- -
- -
1.25
2.25
- -
- -
10
25.09
35.19
45.11
48.03
- -
Book Value per Share
13.35
20.85
62.25
46.18
35.59
36.95
68.19
133.01
194.75
260.27
329.94
414.25
- -
Tangible Book Value per Share
6.7
12.74
53.26
36.35
19.2
14.5
49.53
117.53
182.15
246.51
265.75
258.97
- -
Basic Weighted Avg Shares
9
14
16
17
18
18
18
18
18
18
18
18
18
Sales/Revenue/Turnover
2,488
3,209
4,121
5,023
6,083
6,745
7,601
9,163
10,961
13,221
17,269
21,575
- -
Operating Margin (%)
2.89
6.45
8.18
0.38
-1.67
2.31
12.42
21.51
22.49
19.72
17.97
16.8
- -
Depreciation Expense
55
67
78
86
98
135
168
175
183
189
262
445
- -
Net Income, GAAP
3
87
220
-74
-150
24
553
1,340
1,667
1,790
2,089
2,471
- -
Effective Tax Rate (%)
95.93
55.93
29.4
- -
- -
69.08
38.22
31.11
32.29
30.28
31.81
31.12
- -
Profit Margin (%)
0.1
2.73
5.35
-1.47
-2.47
0.36
7.27
14.63
15.21
13.54
12.1
11.45
- -
Working Capital
129
96
717
87
-567
-1,028
-637
351
1,558
2,556
3,362
2,732
- -
LT Debt
264
168
73
257
189
264
162
152
102
6
1,120
2,511
- -
Total Equity
182
284
1,063
810
626
650
1,205
2,373
3,460
4,627
5,916
7,386
- -
Return on Invested Capital (%)
- -
4.88
8.53
- -
- -
1.19
12.92
28.75
32.67
30.75
27.03
21.53
- -
Return on Capital (%)
- -
5.05
8.57
- -
- -
0.85
13.5
31.41
36.12
33.45
29.74
23.6
- -
Return on Common Equity (%)
- -
37.61
32.74
-7.89
-20.89
3.79
59.55
74.9
57.17
44.26
39.63
37.15
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
2,579
3,140
- -
LT Borrowings
2,134
2,337
- -
LT Finance Leases
20
174
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
18
18
18
Market Capitalization
29,354
21,860
23,429

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
12,454
14,467
- -
Cash, Cash Equivalents & STI
2,420
2,743
- -
Accounts Receivable, Net
313
723
- -
Inventories
450
369
- -
Total Current Liabilities
9,991
11,735
- -
Payables & Accruals
- -
- -
- -
ST Debt
2,579
3,140
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
54.67%
45.82%
24.84%
Free Cash Flow
-75.34%
-3.3%
-104.81%
Net Income, GAAP
239.83%
41.86%
18.28%
Sales/Revenue/Turnover
21.13%
23.27%
24.93%
Total Cash Common Dividend
- -
- -
6.46%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
17,269
2026
- -
- -
- -
- -
21,575
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
117.14
2026
- -
- -
- -
- -
138.56
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
45.11
2026
- -
- -
- -
- -
48.03
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Hiraku Nakashima
Full Time Employees
576
Sector
Finance
Industry
Specialty insurance
Address
Oita central bill Oita OI Japan 870-0034
IPO Date
Jun 22, 2016
Website
j-lease.jp
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Business
J-Lease Co., Ltd. (7187.T) provides rent liability guarantee services primarily in Japan, specializing in residential rent guarantees for apartments and condominiums; commercial rent guarantees for offices, stores, and tenants; parking lot and rental box guarantees; medical expense guarantees for unpaid hospital receivables; and child support guarantees for single-parent households, complemented by real estate brokerage, management, and rental services for foreigners through subsidiary Asumirai Co., Ltd. and IT systems including environmental testing software and hospital monitoring systems via wholly owned subsidiary AIVS K.K.. Founded in 2004 and headquartered in Oita, Japan, the company operates through 40 offices nationwide, serving over 26,000 real estate agency partners with community-focused, rigorous risk management featuring AI-powered credit screening, subrogation rates of 6.1%, and recovery rates of 97.1% as of fiscal year ended March 2024. In recent developments, J-Lease reports record-high net sales of ¥13.2 billion and operating profit of ¥2.6 billion for fiscal 2024, announces a three-year management plan targeting net sales over ¥20 billion by fiscal 2027 through expansion beyond guarantees into IT and other pillars, and completes the April 2024 acquisition of AIVS K.K. for ¥1.23 billion to bolster systems integration while agreeing to acquire AFB Co., Ltd. for ¥6 million in June 2025, alongside strategic human resource allocations to Tokyo metropolitan areas and alliance enhancements with groups like the All Japan Real Estate Association.