AIFLY:OTC-Aiful Corporation (USD)

COMMON STOCK | Credit Services | OTC

Last Closing Price

USD 1.65

Change

0.00 (0.00)%

Market Cap

USD 1.60B

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Aiful Corporation engages in consumer finance and credit guarantee business in Japan. It offers unsecured, secured, and small business loans; and credit card, prepaid card, credit guarantee, debt collection, venture capital, receiving agent, corporate turnaround and restructuring, warehouse, document management, and leasing services, as well as used car and medical loans. The company also provides Postpay settlement, factoring, and Installment credit sales services. As of March 31, 2020, it operated a network of 20 branches. The company was formerly known as Marutaka, Inc. and changed its name to Aiful Corporation in May 1982. Aiful Corporation was founded in 1967 and is headquartered in Kyoto, Japan.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2021-07-22 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
AGRIP AgriBank, FCB

N/A

USD52.96B 105.12 N/A
MIUFF Mitsubishi HC Capital Inc

N/A

USD39.70B N/A -33.90
ORXCF ORIX Corporation

-0.30 (-1.73%)

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EDNMF Edenred SA

N/A

USD15.09B 52.86 26.56
EDNMY Edenred SA

+0.85 (+2.98%)

USD14.27B 49.79 26.56
MIUFY Mitsubishi HC Capital Inc

N/A

USD8.31B 10.09 0.20
ITJTY Intrum AB (publ)

-2.79 (-8.45%)

USD3.99B 20.23 1.76
MAURY Marui Group Co., Ltd

N/A

USD3.86B 183.33 0.47
HYPOF Hypoport SE

N/A

USD3.41B 100.35 52.64
ZNKKY ZENKOKU HOSHO Co.,Ltd

-0.21 (-1.38%)

USD3.18B 4.28 0.04

ETFs Containing AIFLY

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 24.06% 49% F 59% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 24.06% 48% F 58% F
Trailing 12 Months  
Capital Gain 66.67% 56% F 65% D
Dividend Return N/A N/A N/A N/A N/A
Total Return 66.67% 56% F 64% D
Trailing 5 Years  
Capital Gain -31.68% 38% F 28% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -31.68% 38% F 27% F
Average Annual (5 Year Horizon)  
Capital Gain -6.68% 12% F 16% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -6.68% 12% F 15% F
Risk Return Profile  
Volatility (Standard Deviation) 20.83% 90% A- 80% B-
Risk Adjusted Return -32.09% 12% F 13% F
Market Capitalization 1.60B 75% C 71% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 9.51 60% D- 68% D+
Price/Book Ratio 1.21 59% F 61% D-
Price / Cash Flow Ratio 0.08 46% F 48% F
EV/EBITDA 0.25 84% B 74% C
Management Effectiveness  
Return on Equity 12.87% 76% C 78% C+
Return on Invested Capital 2.85% 51% F 53% F
Return on Assets 1.27% 61% D- 61% D-
Debt to Equity Ratio 134.44% 40% F 12% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 0.39 72% C- 72% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Underpriced on free cash flow basis

The stock is trading low compared to its peers on a price to free cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector