Aiful Corp provides consumer financing and consumer credit services exclusively in Japan. The company operates and reports results through four segments: its loan business, its credit card business, and its credit guarantee business, as well as its other segment. The company generates nearly all of its revenue through interest and its largest contributor to revenue is its loan business. The vast majority of the company's loans on its books are unsecured. Other loans include mortgages and small-business loans. The company handles its credit guarantee services in tie-ups with commercial banks.

Financial Strength

1/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.09
Equity-to-Asset	0.16
Debt-to-Equity	3.36
Debt-to-EBITDA	25.82
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	3/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.79	Distress Grey Safe
Beneish M-Score	-1.92	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	8.6
	3-Year EBITDA Growth Rate	5
	3-Year EPS without NRI Growth Rate	5.2
	3-Year Book Growth Rate	10.8
	Future 3-5Y EPS without NRI Growth Rate Estimate	13.59
	Future 3-5Y Total Revenue Growth Rate Estimate	10.15

Momentum Rank

4/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	37.31
	9-Day RSI	41.7
	14-Day RSI	42.26
	6-1 Month Momentum %	-12.47
	12-1 Month Momentum %	-1.68

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.59
	Quick Ratio	1.59
	Cash Ratio	0.08
	Days Sales Outstanding	325.86
	Days Payable	2490.88

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.29
	Dividend Payout Ratio	0.02
	Forward Dividend Yield %	0.58
	5-Year Yield-on-Cost %	0.29
	Shareholder Yield %	-60.3

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	95.16
	Operating Margin %	12.85
	Net Margin %	13.35
	FCF Margin %	-58.32
	ROE %	12.19
	ROA %	1.94
	ROIC %	2.06
	3-Year ROIIC %	1.1
	ROC (Joel Greenblatt) %	40.21
	ROCE %	4.42
	Years of Profitability over Past 10-Year	9

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.06
	Forward PE Ratio	7.25
	PE Ratio without NRI	6.92
	Shiller PE Ratio	23.11
	PEG Ratio	0.17
	PS Ratio	0.95
	PB Ratio	0.79
	Price-to-Tangible-Book	0.87
	EV-to-EBIT	35.08
	EV-to-EBITDA	29.61
	EV-to-Revenue	4.52
	EV-to-FCF	-7.75
	Price-to-Median-PS-Value	0.69
	Price-to-Peter-Lynch-Fair-Value	0.29
	Price-to-Graham-Number	0.52
	Price-to-Net-Current-Asset-Value	1.3
	Earnings Yield (Greenblatt) %	2.85
	FCF Yield %	-62.59
	Forward Rate of Return (Yacktman) %	-6.18

GF Value: 円465.52

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