Aiful (8515.T) Stock Price

Aiful Price

JPX·CLOSED
476.00
​
Market closed

Revenue at Aiful has contracted by 5.6% per year over the past 19 years to 182.34 B JPY. Earnings per share have declined at 5.5% per year over the last 19 years. For Aiful, the net margin of 12.3% is down versus 15.2% 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.

Aiful stock price

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Aiful business model & stock analysis

Aiful Corp is a Japanese company that was originally founded in 1967 under the name Aika Shoji. Over the years, however, the company has evolved and now offers a variety of financial services. The primary business model of Aiful Corp is providing loans to individuals. The company focuses on customers with low income or poor creditworthiness who would otherwise have difficulty obtaining a loan from traditional financial institutions. Aiful Corp has a number of business divisions and subsidiaries that offer different types of financial services. These include: - Consumer Finance: In this area, Aiful Corp grants loans to individuals for various purposes, such as buying cars, furniture, or electronic devices. The loans are usually approved quickly and can also be taken out by individuals with low income or poor credit. - Credit counseling: Aiful Corp also offers counseling services to individuals who need help managing their debts or finding more affordable loans. The company assists in creating an individual debt repayment plan and also provides training and seminars on financial topics. - Mortgage loans: Another department of Aiful Corp is granting mortgage loans for the purchase of real estate. The company works closely with local banks and real estate agents to provide its customers with the best possible financing solution. - Debt collection: Since many of Aiful Corp's customers are individuals with payment difficulties, the company also has its own department for the collection of outstanding debts. However, Aiful Corp also hires external collection agencies to ensure that customers with debts are treated responsibly and fairly. In addition to financial services, Aiful Corp also operates a number of non-financial businesses. These include: - Health and wellness: The company operates several fitness studios and wellness centers in Japan and also offers products and services for health and beauty care. - Retail: Aiful Corp owns and operates several retail stores, including fashion boutiques and furniture stores. - Real estate: The company also owns a number of properties, including office buildings, shopping malls, and residential buildings. In summary, Aiful Corp is a diversified company that offers a variety of financial and non-financial products and services. The company's core business is providing loans to individual customers who have difficulty obtaining a loan from traditional financial institutions due to their low creditworthiness or low income. With its wide range of services, Aiful Corp has established a strong position in the Japanese market and built a loyal customer base. Answer: Aiful Corp is a Japanese company that offers a variety of financial and non-financial products and services, including loans to individuals, credit counseling, mortgage loans, and debt collection. The company also operates fitness studios, retail stores, and owns various properties.

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 212.90 B JPY and earnings per share of 59.87 JPY.

Converted at the current exchange rate, the Aiful share trades at 2.70 EUR (476.00 JPY).

The Aiful share (8515.T) is listed on 3 stock exchanges, including: Tokio (JPX) (8515.T), 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 212.90 B JPY. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Aiful is 28.68 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 7.95. 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.

Fair ValueTerminal
442.68 JPY
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Consumer Finance
Number of shares
Employees
Revenue per Employee
86.30 M JPY
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Website aiful.co.jp
Country
Currency
JPY
Initial public offering
Oct 1, 1998
ISIN
JP3105040004
Cusip
J00557108
Sedol
6019419
Market capitalization
228.46 B JPYMega Cap
52-Week Range
PEG
1.25
P/E ratio
P/Ee 2026
7.97
P/Ee 2027
6.92
P/Ee 2028
6.57
P/Ee 2029
5.70
P/Ee 2030
5.45
P/S
P/Se
1.07
EV/EBIT
26.72
P/B Ratio
1.05
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
2.23 %
Dividend
Dividend yield
1.47 %
Est. Dividend Yield
2.73 %
Payout Ratio
14.89 %
Dividend growth Ø5Y
-15.40 %
Dividend payments per year
2
Dividend paid since
5 years
Dividend not reduced since
5 years
Dividend increased since
1 year
Dividend withholding tax
15.32 %
Last updated Oct 27, 2026, 2:47 PM

Aiful Ticker

FRANKFURT · AAU.FJPX · 8515.TOTC · AIFLF

Aiful FIGI

AAU:GR · BBG000BHNRG7AAU:GF · BBG000BHNSB0AAU:GS · BBG000BHNTG38515:JP · BBG000BX7FY68515:JT · BBG000BX7G838515:JJ · BBG000BX7LZ28515:JE · BBG000BX7N158515:JI · BBG000BX7NR7AIFLF:US · BBG000DM5DV8AIFLF:PQ · BBG000DM6P95AIFLF:UV · BBG000DM6QP58515:JU · BBG002QK9RJ3

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.