AIFUL Corp. engages in the consumer finance, mortgage loan, guaranteed loan and real estate business. The company is headquartered in Kyoto, Kyoto-Fu and currently employs 2,738 full-time employees. The firm operates in three segments including Aiful Co., Ltd., Life Card Co., Ltd. and AIRA & AIFUL Public Company Limited. The loan business is involved in consumer finance business, real estate secured finance business, and finance business. The credit sales business provides a comprehensive credit purchase mediation business. The credit guarantee business provides credit guarantees for loans provided by financial institutions. The receivables management and collection business is engaged in the management and collection of various types of receivables. Other businesses include venture capital business and rent guarantee business.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
03/31/2025
03/31/2024
03/31/2023
03/31/2022
03/31/2021
Revenue
208,247
189,051
163,108
144,152
132,097
127,481
Revenue Growth (YoY)
14%
16%
13%
9%
4%
0%
Cost of Revenue
19,540
13,449
7,578
7,297
7,240
8,662
Gross Profit
188,707
175,602
155,530
136,855
124,857
118,819
Selling, General & Admin
154,459
150,300
134,466
113,129
113,614
101,286
Research & Development
--
--
--
--
--
--
Operating Expenses
154,459
150,300
134,466
113,131
113,615
101,289
Other Non Operating Income (Expenses)
367
231
323
316
289
534
Pretax Income
34,472
24,240
21,493
23,959
12,265
18,149
Income Tax Expense
4,260
2,151
-8
1,013
-772
354
Net Income
30,087
22,516
21,818
22,343
12,334
18,437
Net Income Growth
35%
3%
-2%
81%
-33%
1,226%
Shares Outstanding (Diluted)
478.99
479.95
483.79
483.7
483.7
483.7
Shares Change (YoY)
0%
-1%
0%
0%
0%
0%
EPS (Diluted)
62.82
46.91
45.09
46.19
25.49
38.11
EPS Growth
35%
4%
-2%
81%
-33%
1,226%
Free Cash Flow
-92,627
-106,025
-84,310
-75,071
-19,149
15,678
Free Cash Flow Per Share
--
--
--
--
--
--
Gross Margin
90.61%
92.88%
95.35%
94.93%
94.51%
93.2%
Operating Margin
16.44%
13.38%
12.91%
16.45%
8.51%
13.75%
Profit Margin
14.44%
11.91%
13.37%
15.49%
9.33%
14.46%
Free Cash Flow Margin
-44.47%
-56.08%
-51.68%
-52.07%
-14.49%
12.29%
EBITDA
40,504
30,424
24,977
27,323
14,659
20,948
EBITDA Margin
19.44%
16.09%
15.31%
18.95%
11.09%
16.43%
D&A For EBITDA
6,256
5,122
3,913
3,599
3,417
3,418
EBIT
34,248
25,302
21,064
23,724
11,242
17,530
EBIT Margin
16.44%
13.38%
12.91%
16.45%
8.51%
13.75%
Effective Tax Rate
12.35%
8.87%
-0.03%
4.22%
-6.29%
1.95%
Follow-Up Questions
What are Aiful Corporation's key financial statements?
According to the latest financial statement (Form-10K), Aiful Corporation has a total asset of $1,448,451, Net profit of $22,516
What are the key financial ratios for AIFLY?
Aiful Corporation's Current ratio is 1.17, has a Net margin is 11.91, sales per share of $393.89.
How is Aiful Corporation's revenue broken down by segment or geography?
Aiful Corporation largest revenue segment is Aiful Corporation, at a revenue of 109,884,000,000 in the most earnings release.For geography, Japan is the primary market for Aiful Corporation, at a revenue of 189,054,000,000.
Is Aiful Corporation profitable?
yes, according to the latest financial statements, Aiful Corporation has a net profit of $22,516
Does Aiful Corporation have any liabilities?
yes, Aiful Corporation has liability of 1,230,528
How many outstanding shares for Aiful Corporation?
Aiful Corporation has a total outstanding shares of 478.83