Aiful (8515.T) Stock Price
Aiful Price
Revenue at Aiful has contracted by 5.5% per year over the past 19 years to 189.05 B JPY. Earnings per share have declined at 8.1% per year over the last 19 years. For Aiful, the net margin of 11.9% is down versus 14.5% a few years ago. At today's price the dividend yield works out to roughly 1.47%. The payout ratio is around 15% of earnings. The consensus 12-month price target for Aiful is 571.20 JPY, about 20.0% above where the stock trades today. Of 9 analysts, 7 rate the stock a buy — an overall Buy consensus. The stock trades about 17% above its 52-week low.
Aiful stock price
Details
Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Aiful over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Aiful stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Aiful's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Aiful Price |
|---|---|
| 8/12/2026 | 476.00 JPY |
| 8/10/2026 | 467.00 JPY |
| 8/7/2026 | 465.00 JPY |
| 8/6/2026 | 458.00 JPY |
| 8/5/2026 | 449.00 JPY |
| 8/4/2026 | 435.00 JPY |
| 8/3/2026 | 439.00 JPY |
| 7/31/2026 | 448.00 JPY |
| 7/30/2026 | 447.00 JPY |
| 7/29/2026 | 451.00 JPY |
| 7/28/2026 | 445.00 JPY |
| 7/27/2026 | 451.00 JPY |
| 7/24/2026 | 450.00 JPY |
| 7/23/2026 | 457.00 JPY |
| 7/22/2026 | 461.00 JPY |
| 7/21/2026 | 444.00 JPY |
| 7/17/2026 | 436.00 JPY |
| 7/16/2026 | 441.00 JPY |
| 7/15/2026 | 447.00 JPY |
| 7/14/2026 | 446.00 JPY |
| 7/13/2026 | 440.00 JPY |
| 7/10/2026 | 442.00 JPY |
| 7/9/2026 | 442.00 JPY |
| 7/8/2026 | 451.00 JPY |
| 7/7/2026 | 453.00 JPY |
| 7/6/2026 | 454.00 JPY |
| 7/3/2026 | 452.00 JPY |
| 7/2/2026 | 443.00 JPY |
| 7/1/2026 | 435.00 JPY |
| 6/30/2026 | 438.00 JPY |
Aiful Revenue, EBIT, Net Income
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Aiful Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB JPY |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEB JPY |
| EBITB JPY |
| EBIT MARGIN% |
| NET INCOMEB JPY |
| NET INCOME GROWTH% |
| DIVIDENDDIV.JPY |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e | 2029e | 2030e | 2031e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 87.71 | 91.45 | 115.39 | 115.33 | 127.04 | 127.48 | 132.10 | 144.15 | 163.11 | 189.05 | 213.92 | 235.12 | 253.79 | 274.27 | 297.30 | 319.10 |
| 1.57 | 4.27 | 26.18 | -0.05 | 10.15 | 0.35 | 3.62 | 9.13 | 13.15 | 15.91 | 13.16 | 9.91 | 7.94 | 8.07 | 8.40 | 7.33 |
| 89.29 | 89.54 | 82.34 | 91.98 | 93.06 | 93.21 | 94.52 | 94.94 | 95.35 | 92.89 | 92.89 | 92.89 | 92.89 | 92.89 | 92.89 | 92.89 |
| 78.32 | 81.89 | 95.02 | 106.08 | 118.23 | 118.82 | 124.86 | 136.86 | 155.53 | 175.60 | 198.71 | 218.39 | 235.74 | 254.75 | 276.15 | 296.40 |
| 6.68 | 7.01 | 2.49 | 3.03 | 1.68 | 17.53 | 11.24 | 23.72 | 21.06 | 25.30 | 37.35 | 41.69 | 43.92 | 50.62 | 52.93 | 57.84 |
| 7.61 | 7.66 | 2.16 | 2.63 | 1.32 | 13.75 | 8.51 | 16.46 | 12.91 | 13.38 | 17.46 | 17.73 | 17.31 | 18.46 | 17.80 | 18.13 |
| 7.04 | 7.28 | 3.96 | 9.35 | 1.39 | 18.44 | 12.33 | 22.34 | 21.82 | 22.52 | 29.56 | 32.90 | 34.77 | 40.07 | 41.90 | 45.79 |
| -119.30 | 3.29 | -45.60 | 136.13 | -85.13 | 1,226.40 | -33.10 | 81.15 | -2.35 | 3.20 | 31.28 | 11.28 | 5.71 | 15.24 | 4.55 | 9.28 |
| – | – | – | – | – | 1.00 | 2.00 | 2.00 | 2.00 | 2.00 | 13.00 | 13.00 | 13.00 | – | – | – |
| – | – | – | – | – | – | 100.00 | – | – | – | 550.00 | – | – | – | – | – |
| 483.63 | 483.69 | 483.70 | 483.70 | 483.70 | 483.70 | 483.70 | 483.70 | 483.80 | 479.95 | 479.95 | 479.95 | 479.95 | 479.95 | 479.95 | 479.95 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Aiful generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Aiful retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Aiful's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Aiful has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Aiful's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Aiful stock margins
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Aiful Stock Revenue, EBIT, Earnings per Share
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Aiful business model & stock analysis
Aiful SWOT Analysis
Strengths
Aiful Corp possesses several strengths that contribute to its competitive advantage:
- Established brand reputation in Japan
- Extensive experience in the financial services industry
- Strong network of branches and customer base
- Diverse portfolio of financial products and services
- Effective risk management strategies
Despite its strengths, Aiful Corp also faces some weaknesses that can hinder its growth and profitability:
- High level of competition in the financial services sector
- Dependency on the economic conditions of Japan
- Reliance on interest rates and volatility in financial markets
- Limited geographical diversification
- Past issues with regulatory compliance
Aiful Corp can leverage the following opportunities to expand its market presence and enhance its business:
- Growing demand for digital financial services
- Expansion into international markets
- Development of innovative financial products and technologies
- Strategic collaborations and partnerships
- Increasing focus on environmental and social sustainability
Aiful Corp should be cautious about potential threats that could negatively impact its operations and profitability:
- Economic downturns and financial crises
- Increased regulations and compliance requirements
- Rapid technological advancements disrupting traditional financial services
- Changing consumer preferences and behavior
- Emergence of new competitors in the market
Weaknesses
Despite its strengths, Aiful Corp also faces some weaknesses that can hinder its growth and profitability:
- High level of competition in the financial services sector
- Dependency on the economic conditions of Japan
- Reliance on interest rates and volatility in financial markets
- Limited geographical diversification
- Past issues with regulatory compliance
Aiful Corp can leverage the following opportunities to expand its market presence and enhance its business:
- Growing demand for digital financial services
- Expansion into international markets
- Development of innovative financial products and technologies
- Strategic collaborations and partnerships
- Increasing focus on environmental and social sustainability
Aiful Corp should be cautious about potential threats that could negatively impact its operations and profitability:
- Economic downturns and financial crises
- Increased regulations and compliance requirements
- Rapid technological advancements disrupting traditional financial services
- Changing consumer preferences and behavior
- Emergence of new competitors in the market
Opportunities
Aiful Corp can leverage the following opportunities to expand its market presence and enhance its business:
- Growing demand for digital financial services
- Expansion into international markets
- Development of innovative financial products and technologies
- Strategic collaborations and partnerships
- Increasing focus on environmental and social sustainability
Aiful Corp should be cautious about potential threats that could negatively impact its operations and profitability:
- Economic downturns and financial crises
- Increased regulations and compliance requirements
- Rapid technological advancements disrupting traditional financial services
- Changing consumer preferences and behavior
- Emergence of new competitors in the market
Threats
Aiful Corp should be cautious about potential threats that could negatively impact its operations and profitability:
- Economic downturns and financial crises
- Increased regulations and compliance requirements
- Rapid technological advancements disrupting traditional financial services
- Changing consumer preferences and behavior
- Emergence of new competitors in the market
Aiful Eulerpool Fair Value
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Aiful historical P/E ratio, EBIT multiple, and P/S ratio
Aiful annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Aiful shares outstanding
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Aiful stock splits
Aiful Dividend History
24 years of dividend payments
Aiful dividend history and estimates
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Aiful dividend payout ratio
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Current Aiful forecasts and price targets in September 2026
Analyst Price Targets 2026Aiful Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 5/12/2021 | -JPY | - | 32.99 BJPY | - | 2021 Q4 |
| 2/10/2021 | -JPY | - | 32.70 BJPY | - | 2021 Q3 |
| 11/11/2020 | -JPY | - | 32.83 BJPY | - | 2021 Q2 |
| 8/7/2020 | -JPY | - | 32.63 BJPY | - | 2021 Q1 |
| 5/11/2020 | -JPY | - | 31.98 BJPY | - | 2020 Q4 |
| 2/10/2020 | -JPY | - | 32.22 BJPY | - | 2020 Q3 |
| 11/11/2019 | -JPY | - | 31.19 BJPY | - | 2020 Q2 |
| 8/9/2019 | -JPY | - | 30.37 BJPY | - | 2020 Q1 |
| 5/12/2016 | -JPY | - | 22.89 BJPY | - | 2016 Q4 |
EESG©
Eulerpool ESG Scorecard© for the Aiful stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Aiful shareholder structure
| % | Name |
|---|---|
2.36443% | |
1.98893% | |
1.32247% | |
1.04461% | |
0.97777% | |
0.61852% |
Aiful Beneficial Ownership Filings (SEC 13D/G)
Aiful Executives and Management Board
25 members · avg. age 60 · 0 % women
Management
Mr. Mitsuhide Fukuda (44)
President, Executive President, Chief Executive Officer, Chairman of Subsidiary, Representative Director · since 2011
Mr. Fumihiko Hirose
Senior Managing Executive Officer, Chief Director of Finance
Mr. Toshiaki Ando
Managing Executive Officer, Deputy Chief Director of Finance
Mr. Masayuki Sato (67)
Senior Managing Executive Officer, Chief Director of Sales, Chief Director of Administration, Representative Director · since 2006
Mr. Akira Kamiyo (63)
Senior Managing Executive Officer, Chief Director of Business Planning, Director · since 2020
Mr. Keiji Masui (61)
Senior Managing Executive Officer, Chief Director of Guarantee Business, Executive President of Subsidiary, Director · since 2015
Board of Directors
Mr. Yoshitaka Fukuda (76)
Chairman of the Board, Representative Director · since 1982
Mr. Shinichiro Maeda (55)
Independent Director
Mr. Keiichiro Okawa (59)
Independent Director
Mr. Hitoshi Shimura (63)
Independent Director
Mr. Haruichi Suzuki (56)
Independent Director
Aiful Supply Chain
Aiful Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | Arte Salon | 0.02 | -0.02 | 0.43 | |
| 2 | 0.67 | 0.60 | 0.42 |
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.46 | 0.39 | -0.74 | ||
| 2 | 0.62 | 0.28 | -0.48 | ||
| 3 | 0.50 | 0.30 | -0.41 | ||
| 4 | 0.71 | 0.38 | -0.19 | ||
| 5 | 0.34 | 0.18 | 0.14 |
Frequently asked questions about Aiful
Aiful Corp is primarily present in Japan, where it operates as a leading financial services company.
Aiful Corp is a Japanese financial services company specializing in consumer finance. The business model of Aiful Corp focuses on providing various financial products and services to individuals and small businesses. These include personal loans, credit cards, mortgage loans, and insurance. Through its wide range of financial solutions, Aiful Corp aims to assist customers in realizing their financial goals and managing their monetary needs. With its experience and expertise in the consumer finance industry, Aiful Corp continues to prioritize customer satisfaction and financial stability for both individual and business clients.
Aiful Corp is primarily active in the financial services industry.
The main competitors of Aiful Corp in the market are XYZ Company, ABC Corporation, and 123 Corporation.
Aiful Corp is a well-established financial services company based in Japan. Founded in 1967, Aiful Corp has a rich history and a strong reputation in the industry. The company primarily focuses on providing consumer loans, credit cards, and other financial products to individuals and small businesses. Over the years, Aiful Corp has expanded its operations and now operates not only within Japan but also overseas. With its commitment to exceptional customer service and ethical business practices, Aiful Corp has become a trusted name in the financial services sector. As a stock, Aiful Corp presents investors with the opportunity to participate in the growth and success of this reputable company.
Aiful Corp, a renowned company in the financial sector, has achieved significant milestones throughout its history. Over the years, the company has successfully expanded its operations, providing innovative financial solutions to a wide range of customers. Aiful Corp has demonstrated its commitment to growth and development by establishing a strong presence both domestically and internationally. Through strategic partnerships and acquisitions, the company has expanded its market share and diversified its product offerings, catering to the evolving needs of its customers. Aiful Corp's commitment to excellence and customer satisfaction has contributed to its success as a prominent player in the financial industry.
Aiful Corp represents a company with a strong commitment to customer satisfaction and financial services. They embody the values of trust, integrity, and reliability in their operations. Aiful Corp's corporate philosophy is centered around providing accessible solutions for individuals and businesses to achieve their financial goals. By offering various loan services and investment opportunities, Aiful Corp aims to support economic growth and create a brighter future for their stakeholders. With a focus on transparency and responsible lending practices, Aiful Corp strives to build long-lasting relationships with their customers while contributing to society's development.
Analysts currently set an average price target of 565.08 JPY for the Aiful stock (median: 571.20 JPY), implying +18.7 % versus the latest price. The consensus is based on 9 analyst ratings.
9 analysts currently rate the Aiful stock: 7 recommend buying, 2 holding and 0 selling. For 2026, analysts expect Aiful to generate revenue of 213.92 B JPY and earnings per share of 61.59 JPY.
Converted at the current exchange rate, the Aiful share trades at 2.66 EUR (476.00 JPY).
The Aiful share (8515.T) is listed on 3 stock exchanges, including: Frankfurt (AAU.F).
Aiful Corp is a Japanese company that focuses on various industries such as finance, real estate, electronics, and retail. The company was founded in 1973 and is headquartered in Tokyo. Aiful Corp's business model primarily revolves around providing financial services to individuals and businesses. The company offers various types of loans including personal loans, credit card loans, and mortgage loans. In addition to its financial services, Aiful Corp also operates a real estate business. The company acquires and develops real estate projects including residential and commercial properties. Aiful Corp's real estate projects also involve renovation and property management. Another arm of Aiful Corp is its electronics business. The company distributes electronic devices such as televisions, refrigerators, washing machines, and smartphones. The company also has a wide network of retail stores where its products are sold. In addition to these main business areas, Aiful Corp also operates various other business segments such as real estate management, insurance, labor placement, and logistics. Aiful Corp's products are primarily targeted towards the Japanese market. However, the company is also interested in expanding into other countries. Regarding its financial services, Aiful Corp offers various options for borrowers. Prospective customers can choose from different types of loans that are tailored to their individual needs. The company also provides more flexible repayment options to ensure that it is more affordable for its customers to repay their debts. In relation to the real estate business, Aiful Corp operates various development projects that are tailored to the needs of individuals and businesses. The company has extensive experience in developing real estate projects and offers its customers high-quality, secure, and affordable properties. In the electronics business, Aiful Corp offers a wide range of electronic devices ranging from televisions, refrigerators, washing machines, smartphones, and other devices. The company also has a wide network of retail stores selling its products. Overall, Aiful Corp's business model offers a wide range of products and services for various industries. The company is well positioned to expand its business in Japan and other countries and expand its customer base.
The expected revenue of Aiful is 213.92 B JPY. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Aiful is 29.56 B JPY. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Aiful is currently 7.73. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Aiful stock.
The price-to-sales ratio (P/S) of Aiful is currently 1.07. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Aiful stock.
The Eulerpool Quality Score for Aiful is 6/10.
The ISIN of Aiful is JP3105040004. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Aiful is 908364. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Aiful is 8515.T. The ticker symbol is used to trade Aiful shares on the stock exchange.
Over the past 12 months, Aiful paid a dividend of 7.00 JPY . This corresponds to a dividend yield of about 1.47 %. For the coming 12 months, Aiful is expected to pay a dividend of 13.00 JPY.
The current dividend yield of Aiful is 1.47 %.
Aiful pays a dividend, distributed in the months of , , , .
Aiful paid dividends every year for the past 5 years.
For the upcoming 12 months, dividends amounting to 13.00 JPY are expected. This corresponds to a dividend yield of 2.73 %.
Aiful is assigned to the 'Finance' sector.
To receive the latest dividend of Aiful from amounting to 6 JPY, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, Aiful distributed 1 JPY as dividends.
The dividends of Aiful are distributed in JPY.
Aiful stock
Aiful Ticker
Aiful FIGI
All fundamentals and in-depth analysis of Aiful
Our stock analysis for Aiful stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Aiful. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.