Ratings Aiful Corporation

Equities

8515

JP3105040004

Market Closed - Japan Exchange Other stock markets 07:00:00 10/05/2024 BST			5-day change	1st Jan Change
430 ^JPY	-3.37%		-6.93%	+13.16%

2023	Aiful Corporation acquired Liblock Inc.	CI
2023	ACOM CO., LTD., Japan Financial Services Association, SMBC Consumer Finance Co., Ltd., Shinsei Financial Co., Ltd. and AIFUL CORPORATION Collaborate to Establish a Consortium	CI

Summary

According to Refinitiv, the company's ESG score for its industry is poor.

Strengths

The company returns high margins, thereby supporting business profitability.
The company's attractive earnings multiples are brought to light by a P/E ratio at 10.09 for the current year.
The company's share price in relation to its net book value makes it look relatively cheap.
The average price target of analysts who are interested in the stock has been strongly revised upwards over the last four months.
Consensus analysts have strongly revised their opinion of the company over the past 12 months.
There is high visibility into the group's activities for the coming years. Outlooks on future revenues from analysts covering the equity remain similar. Such hardly dispersed estimates support highly predictable sales for the current and upcoming fiscal years.
The divergence of price targets given by the various analysts who make up the consensus is relatively low, suggesting a consensus method of evaluating the company and its prospects.

Weaknesses

The potential for earnings per share (EPS) growth in the coming years appears limited according to current analyst estimates.
The company's "enterprise value to sales" ratio is among the highest in the world.
The firm pays small or no dividend to shareholders. For that reason, it is not a yield company.
The overall consensus opinion of analysts has deteriorated sharply over the past four months.
Financial statements have repeatedly disappointed market stakeholders. Most often, they were below expectations.

Ratings chart - Surperformance

Chart ESG Refinitiv

Sector: Consumer Lending

	1st Jan change	Capi.	Investor Rating	ESG Refinitiv
AIFUL CORPORATION	+13.16%	1.33B		C-
BAJAJ FINANCE LIMITED	-8.78%	49.45B		C+
BAJAJ FINSERV LTD.	-6.71%	30.26B		C+
JIO FINANCIAL SERVICES LIMITED	+48.27%	26.46B	-	-
ORIX CORPORATION	+26.81%	24.88B		B
SYNCHRONY FINANCIAL	+19.74%	18.36B		B
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	+0.68%	12.76B		C+
SHRIRAM FINANCE LIMITED	+14.30%	10.55B		B-
MUTHOOT FINANCE LIMITED	+12.66%	7.99B		C
SOFI TECHNOLOGIES, INC.	-30.25%	7.34B		-

Investor Rating

Trading Rating

ESG Refinitiv

Financials

Sales growth

Earnings Growth

EBITDA / Sales

Profitability

Finances

Valuation

P/E ratio

EV / Sales

Price to Book

Price to Free Cash Flow

Yield

Momentum

1 year Revenue revision

4 months Revenue revision

7 days Revenue revision

1 year EPS revision

4 months EPS revision

Consensus

Analyst Opinion

Potential Price Target

4m Target Price Revision

4m Revision of opinion

12m Revision of opinion

Business Predictability

Analyst Coverage

Divergence of Estimates

Divergence of analysts' opinions

Divergence of Target Price

Earnings quality

Environment

Emissions

Innovation

Use of resources

Governance

CSR Strategy

Management

Shareholders

Controversy

Technical analysis

ST Timing

MT Timing

LT Timing

RSI

Bollinger Spread

Unusual volumes