Finance

AIFUL Corp.

In the news

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Business Summary

AIFUL Corp. engages in the consumer finance, mortgage loan, guaranteed loan and real estate business. Its operations are carried out through the following segments: Financial and Others. The Financial segment is engaged in the provision of small-lot uncollateralized loan for general consumers, mortgage collateral, business loan for individual operators, credit guarantee, as well as the collection and management of debts, among others. The Others segment is involved in the development, investment and nurture of venture companies. The company was founded by Yoshitaka Fukuda in April 1967 and is headquartered in Kyoto, Japan.

Financial Highlights

Mar 2022	JPY	USD
Revenue	124,603M	1,108.83M
Gross Profit	104,968M	934.10M
Operating income	17,547M	156.15M
Income before tax	12,265M	109.14M
Net income	12,334M	109.75M
EBITDA	20,964M	186.55M
Diluted EPS	25.49	0.22
Dividends Per Share	1	0.00
Total Assets	935,642M	7,708.68M
Total liabilities	779,115M	6,419.07M
Total equity	153,900M	1,267.97M
Operating cash flow	-15,628M	-139.07M
	Currency in JPY	Currency in USD

Historical Data

JPY | USD

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Revenue	108,973M	109,463M	120,140M	121,085M	124,603M
Gross Profit	79,848M	89,926M	99,313M	100,629M	104,968M
Operating income	2,481M	2,780M	8,141M	24,456M	17,547M
Income before tax	3,527M	3,420M	1,569M	18,149M	12,265M
Net income	3,957M	9,345M	1,389M	18,436M	12,334M
EBITDA	11,462M	12,446M	11,158M	27,874M	20,964M
Diluted EPS	8.18	19.32	2.87	38.11	25.49
Dividends Per Share	0	0	0	1	1
Total Assets	682,645M	760,587M	860,507M	863,354M	935,642M
Total liabilities	563,237M	632,568M	731,574M	715,665M	779,115M
Total equity	114,450M	124,275M	126,017M	145,556M	153,900M
Operating cash flow	-70,221M	-41,765M	-51,133M	20,280M	-15,628M

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Revenue	983.22M	987.08M	1,104.98M	1,141.69M	1,108.83M
Gross Profit	720.43M	810.91M	913.42M	948.81M	934.10M
Operating income	22.38M	25.06M	74.87M	230.59M	156.15M
Income before tax	31.82M	30.84M	14.43M	171.12M	109.14M
Net income	35.70M	84.26M	12.77M	173.83M	109.75M
EBITDA	103.41M	112.23M	102.62M	262.81M	186.55M
Diluted EPS	0.07	0.17	0.02	0.35	0.22
Dividends Per Share	0	0	0	0.00	0.00
Total Assets	6,418.85M	6,871.63M	7,970.97M	7,813.15M	7,708.68M
Total liabilities	5,296.06M	5,715.02M	6,776.65M	6,476.60M	6,419.07M
Total equity	1,076.16M	1,122.78M	1,167.31M	1,317.24M	1,267.97M
Operating cash flow	-633.57M	-376.61M	-470.29M	191.21M	-139.07M

Valuation Measures

Mar 2022
PER	14.07
ROA	1.37%
ROE	8.23%
Operating margin	14.08%
Profit margin	9.89%

Key executives

President & Representative Director: Mitsuhide Fukuda
Executive Officer & General Manager-Finance: Hiroyuki Otomo
Manager-Information Systems Development: Takayuki Nakata
Executive Officer & Deputy GM-Guarantee Business: Atsushi Suda
Executive Officer, Head-Internal Audit & Legal: Junichi Niizuma

Shareholders

FUKUDA FAMILY /AIFUL/ (24.6%)
FUKUDA MITSUHIDE (12.8%)
T. Rowe Price International Ltd. (3.6%)
Nomura Asset Management Co., Ltd. (2.3%)
The Vanguard Group, Inc. (1.5%)
Nikko Asset Management Co., Ltd. (1.1%)
Daiwa Asset Management Co. Ltd. (1.0%)
BlackRock Fund Advisors (0.9%)
Dimensional Fund Advisors LP (0.8%)
FUKUDA YOSHITAKA /AIFUL/ (0.6%)

Contact Details

Website:http://www.aiful.co.jp
Address: 381-1 Takasago-cho, Gojo-Agaru, Karasuma-Dori, Kyoto, 600-8420, Japan
Phone: +81.75.201.2000

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Competitors

Last Updated on 4 Oct, 2022