AIFLF:OTC-Aiful Corp (USD)

COMMON STOCK | Credit Services |

Last Closing

USD 3.05

Change

0.00 (0.00)%

Market Cap

USD 1.46B

Volume

N/A

Analyst Target

N/A
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Aiful Corporation engages in the consumer finance and credit guarantee business in Japan. The company offers unsecured 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. It also provides postpay settlement, factoring, and installment credit sales services. 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.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-09-19 )

Largest Industry Peers for Credit Services

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MAURY Marui Group Co Ltd ADR

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ZNKKY Zenkoku Hosho Co Ltd ADR

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ZIZTF Zip Co Limited

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SHGKF Sun Hung Kai & Company. Ltd

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HYPOF Hypoport SE

N/A

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GKSGF Grenke AG

N/A

USD 1.25B
CCGFF Credit Corp Group Limited

N/A

USD 1.10B
PBIIF PBIIF

N/A

USD 1.05B

ETFs Containing AIFLF

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 65.76% 78% C+ 89% A-
Dividend Return 54.35% 100% F 98% N/A
Total Return 120.11% 93% A 93% A
Trailing 12 Months  
Capital Gain 65.76% 81% B- 88% B+
Dividend Return 54.35% 100% F 97% N/A
Total Return 120.11% 90% A- 93% A
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -6.05% 23% F 28% F
Dividend Return 2.79% 36% F 40% F
Total Return 8.84% 13% F 85% B
Risk Return Profile  
Volatility (Standard Deviation) 35.98% 73% C 64% D
Risk Adjusted Return 7.75% 39% F 42% F
Market Capitalization 1.46B 89% A- 76% C+

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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:
Superior return on equity

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

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive free cash flow

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

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.

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.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

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.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Negative cashflow

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

Overpriced on free cash flow basis

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