Aiful Corporation (AIFLY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Aiful Corporation (AIFLY) trades at $1.40 with AI Score 58/100 (Grade B). Aiful Corporation is a Japanese financial services company specializing in consumer finance and credit guarantees. Market cap: $670.60M, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for AIFLY: AIFLY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates AIFLY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
AIFLY: 1/4 perspectives are bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Aiful Corporation (AIFLY) Financial Services Profile
Aiful Corporation, a Japanese financial services provider, focuses on consumer finance and credit guarantees, offering unsecured loans, credit cards, and related services. With a history dating back to 1967, Aiful operates primarily in Japan, balancing traditional financial services with modern solutions like postpay settlement and factoring.
What Is the Investment Thesis for AIFLY?
Aiful Corporation presents a compelling investment case based on its established position in the Japanese consumer finance market, with a P/E ratio of 7.2 and a profit margin of 15.1%. Growth catalysts include expansion of its digital financial services and strategic partnerships to broaden its customer base. The company's beta of 0.22 suggests lower volatility compared to the market, potentially appealing to risk-averse investors. Aiful's dividend yield of 1.47% provides a modest income stream. However, investors may want to evaluate the risks associated with the Japanese economy and regulatory changes in the financial sector. Monitoring Aiful's ability to adapt to evolving market conditions and maintain profitability is crucial.
Based on FMP financials and quantitative analysis
AIFLY Key Highlights
- Market capitalization of $670.60M indicates a significant presence in the Japanese financial services market.
- P/E ratio of 7.2 suggests the company may be undervalued compared to its earnings.
- Profit margin of 15.1% demonstrates efficient operations and profitability.
- Gross margin of 77.8% indicates strong pricing power and cost management.
- Beta of 0.22 suggests lower volatility compared to the broader market, potentially offering stability to investors.
Who Are AIFLY's Competitors?
AIFLY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AEOJF AEON Financial Service Co., Ltd. | $8.57 | +0.00% | $1.85B | 56 |
| AJMPF Ashmore Group PLC | $2.99 | +15.25% | $1.94B | 46 |
| DAHSF Dah Sing Financial Holdings Limited | $4.81 | +44.01% | $1.54B | 44 |
| EHMEF goeasy Ltd. | $33.89 | +0.00% | $543.38M | 61 |
| HYPOF Hypoport SE | $225.00 | +4.80% | $1.50B | 52 |
| ATLC Atlanticus Holdings Corporation | $96.44 | +0.04% | $1.46B | 71 |
| LPRO Open Lending Corporation | $3.13 | +0.64% | $370.35M | 68 |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | $25.30 | +0.38% | $1.46B | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are AIFLY's Key Strengths?
- Established brand in Japan.
- Diverse range of financial products.
- Experienced management team.
- Strong credit risk management capabilities.
What Are AIFLY's Weaknesses?
- Dependence on the Japanese economy.
- Exposure to regulatory changes.
- Limited international presence.
- Competition from larger financial institutions.
What Could Drive AIFLY Stock Higher?
- Expansion of digital financial services to attract younger customers and increase market share.
- Strategic partnerships with fintech companies to enhance technological capabilities and offer innovative products.
- Increased focus on small business lending to capitalize on the underserved SME market.
- Potential regulatory changes in the Japanese financial sector that could benefit Aiful.
- Launch of new credit products tailored to specific customer segments.
What Are the Key Risks for AIFLY?
- Financial-distress signal — its Altman Z-Score of 0.90 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Japan could reduce demand for consumer finance and credit services.
- Increased competition from fintech companies could erode Aiful's market share.
- Changes in consumer credit regulations could negatively impact Aiful's profitability.
- Rising interest rates could increase borrowing costs and reduce demand for loans.
- Currency fluctuations between the U.S. dollar and the Japanese yen could affect the value of AIFLY for U.S. investors.
What Are the Growth Opportunities for AIFLY?
- Expansion of Digital Financial Services: Aiful can capitalize on the growing demand for digital financial services in Japan by expanding its online lending platform and mobile payment solutions. The Japanese fintech market is projected to reach $100 billion by 2028, offering significant growth potential. Aiful's established brand and customer base provide a competitive advantage in capturing this market share. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable Aiful to offer innovative financial products and services, such as peer-to-peer lending and robo-advisory services. These partnerships can enhance Aiful's technological capabilities and attract younger customers. The fintech partnership market is expected to grow by 15% annually. Timeline: Ongoing.
- Increased Focus on Small Business Lending: Aiful can expand its small business lending portfolio by offering tailored financial solutions to SMEs. The Japanese SME market is underserved by traditional banks, creating a significant opportunity for Aiful to provide financing and support. The SME lending market is estimated at $500 billion. Timeline: Ongoing.
- Geographic Expansion within Japan: While Aiful already has a presence in Japan, further expansion into underserved regions can drive growth. Identifying areas with high demand for consumer finance and limited access to traditional banking services can provide new market opportunities. Market research indicates potential for growth in rural areas. Timeline: Ongoing.
- Development of New Credit Products: Aiful can develop new credit products tailored to specific customer segments, such as students or retirees. These specialized products can address unmet financial needs and attract new customers. Market analysis suggests demand for flexible credit options. Timeline: Ongoing.
What Opportunities Does AIFLY Have?
- Expansion into digital financial services.
- Strategic partnerships with fintech companies.
- Increased focus on small business lending.
- Development of new credit products.
What Threats Does AIFLY Face?
- Economic downturn in Japan.
- Increased competition from fintech companies.
- Changes in consumer credit regulations.
- Rising interest rates.
What Are AIFLY's Competitive Advantages?
- Established brand reputation in the Japanese consumer finance market.
- Extensive network of branches and online platform.
- Strong relationships with financial institutions and partners.
- Expertise in credit risk assessment and management.
What Does AIFLY Do?
Aiful Corporation, founded in 1967 and headquartered in Kyoto, Japan, has evolved from Marutaka, Inc. to a prominent player in the Japanese consumer finance and credit guarantee market. The company provides a diverse suite of financial products, including unsecured and small business loans, credit cards, and prepaid cards. Aiful also offers credit guarantee services, debt collection, venture capital, and corporate turnaround and restructuring support. In addition, they provide services such as warehouse management, document management, leasing, used car loans, and medical loans. Aiful's services extend to postpay settlement, factoring, and installment credit sales. As of March 31, 2022, Aiful operated 20 branches, demonstrating its established presence in Japan. The company aims to meet the diverse financial needs of its customers through a combination of traditional and innovative financial solutions.
What Products and Services Does AIFLY Offer?
- Provides unsecured personal loans to individuals.
- Offers small business loans to support entrepreneurs.
- Issues credit cards with various rewards and benefits.
- Provides prepaid card solutions for convenient spending.
- Offers credit guarantee services to facilitate lending.
- Engages in debt collection activities.
- Invests in venture capital opportunities.
- Provides corporate turnaround and restructuring services.
How Does AIFLY Make Money?
- Generates revenue through interest income on loans.
- Earns fees from credit card transactions and services.
- Receives commissions from credit guarantee services.
- Profits from venture capital investments.
What Industry Does AIFLY Operate In?
Aiful Corporation operates within the Japanese financial services industry, which is characterized by a mix of traditional banking practices and increasing adoption of fintech solutions. The industry is influenced by Japan's aging population and low interest rate environment. Competition includes established financial institutions and emerging fintech companies. Aiful differentiates itself through its focus on consumer finance and credit guarantees, catering to individuals and small businesses. The Japanese financial services market is expected to see continued growth in digital payment solutions and alternative lending platforms.
Who Are AIFLY's Key Customers?
- Individuals seeking personal loans.
- Small businesses requiring financing.
- Consumers using credit cards for purchases.
- Companies needing credit guarantees.
- Investors in venture capital funds.
Aiful Corporation (AIFLY) Valuation Context
Valued at $670.60M, AIFLY is classified as a small-cap stock. Relative to its peer group, AIFLY's quantitative score of 58/100 is roughly in line with the peer average of 52/100.
AIFLY Revenue & Earnings Trend
In Q4 2025, AIFLY generated $56.25B in top-line revenue, marking a sequential increase of 4.6%. The company recorded net income of $10.01B, with diluted EPS of $10.43. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this small-cap Financial Services company. Across the four most recent quarters, AIFLY averaged $7.93 in diluted EPS.
Company Profile
Aiful Corporation operates in the Financial - Credit Services industry within the Financial Services sector. It is headquartered in Kyoto, JP. The company is led by CEO Mitsuhide Fukuda. AIFLY has traded publicly since 2006.
ROE 12%Key Financial Metrics
Return on equity for Aiful Corporation stands at 11.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.9%, showing how much profit it generates from its asset base. AIFLY trades at a trailing price-to-earnings ratio of 7.21, below the Financial Services sector average of ~18x. Its free cash flow yield is -40.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 2.57 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 13.9%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
Aiful Corporation's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.90 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Aiful Corporation revenue of about $216.49B for fiscal 2026, with EPS near $33.76. The estimate reflects 3 contributing analysts.
AIFLY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established brand in Japan.
- Diverse range of financial products.
- Experienced management team.
- Strong credit risk management capabilities.
Bear Case
- Dependence on the Japanese economy.
- Exposure to regulatory changes.
- Limited international presence.
- Competition from larger financial institutions.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 2025 | $56.25B | $10.01B | $10.43 |
| Q3 2025 | $53.76B | $8.80B | $9.20 |
| Q2 2025 | $51.61B | $4.01B | $4.15 |
| Q1 2025 | $48.55B | $7.61B | $7.95 |
Based on FMP financials and quantitative analysis
AIFLY Latest News
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Stocks That Hit 52-Week Lows Of Monday
· Aug 12, 2019
AIFLY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for AIFLY.
Price Targets
Wall Street price target analysis for AIFLY.
AIFLY MoonshotScore
What does this score mean?
The MoonshotScore rates AIFLY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Mitsuhide Fukuda
CEO
Mitsuhide Fukuda serves as the CEO of Aiful Corporation, overseeing the management of 2470 employees. His career history reflects extensive experience in the financial services sector, with a focus on consumer finance and credit management. Prior to his role as CEO, Fukuda held various leadership positions within Aiful, contributing to the company's strategic planning and operational efficiency. His background includes a strong emphasis on risk management and compliance within the financial industry.
Track Record: Under Mitsuhide Fukuda's leadership, Aiful Corporation has focused on expanding its digital financial services and strengthening its credit risk management practices. Key achievements include the launch of new online lending platforms and the implementation of advanced credit scoring models. Fukuda has also emphasized strategic partnerships to enhance Aiful's technological capabilities and market reach. His tenure has been marked by a commitment to sustainable growth and profitability.
Aiful Corporation ADR Information Unsponsored
An American Depositary Receipt (ADR) like AIFLY represents shares of Aiful Corporation, a Japanese company, held by a U.S. depositary bank. This allows U.S. investors to trade Aiful's stock on U.S. exchanges, simplifying the process of investing in foreign companies. AIFLY provides U.S. investors exposure to the Japanese financial services market without directly dealing with foreign exchanges.
- Home Market Ticker: Tokyo Stock Exchange, Japan
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: AIFL
AIFLY OTC Market Information
AIFLY trades on the OTC Other tier, which represents the lowest tier of the OTC market. Companies on this tier often have limited financial disclosure and may not meet the listing requirements of major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and regulatory oversight compared to exchange-listed companies. This tier is also known as the Pink Open Market.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in AIFLY.
- Low trading volume can lead to price volatility and difficulty in buying or selling shares.
- OTC Other tier stocks are subject to less regulatory oversight compared to exchange-listed companies.
- Potential for fraud or manipulation is higher on the OTC market.
- Lack of analyst coverage and institutional interest can limit price discovery.
- Verify the availability and reliability of financial reports.
- Assess the company's management team and corporate governance practices.
- Review the company's business model and competitive landscape.
- Evaluate the company's financial condition and key performance indicators.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Check for any regulatory actions or legal issues involving the company.
- Aiful Corporation has a long operating history dating back to 1967.
- The company is headquartered in Kyoto, Japan, suggesting a physical presence.
- Aiful Corporation is engaged in the regulated financial services industry.
- The company has a market capitalization of $670.60M.
- Aiful Corporation has 2470 employees
Aiful Corporation Financial Services Stock: Key Questions Answered
What does Aiful Corporation do?
Aiful Corporation operates in the consumer finance and credit guarantee business in Japan. It provides a range of financial services, including unsecured personal loans, small business loans, credit cards, and credit guarantees. The company's primary focus is on meeting the financial needs of individuals and small businesses through various lending and credit solutions. Aiful also offers related services such as debt collection, venture capital, and corporate restructuring support. The company aims to provide accessible and convenient financial services to its customers.
What do analysts say about AIFLY stock?
Analyst coverage of AIFLY stock is limited due to its OTC listing. However, key valuation metrics such as the P/E ratio of 7.2 and a profit margin of 15.1% suggest potential value. Growth considerations include Aiful's expansion into digital financial services and strategic partnerships. Investors should conduct their own due diligence and consider the risks associated with OTC stocks. Analyst consensus is not readily available due to the limited coverage.
What are the main risks for AIFLY?
The main risks for AIFLY include economic downturns in Japan, which could reduce demand for its financial services. Increased competition from fintech companies and regulatory changes in the consumer credit market also pose threats. Additionally, currency fluctuations between the U.S. dollar and the Japanese yen can impact the value of AIFLY for U.S. investors. Investors should carefully consider these risks before investing.
What are the key factors to evaluate for AIFLY?
Aiful Corporation (AIFLY) holds an AI score of 58/100 (moderate). P/E: 7.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does AIFLY data refresh on this page?
AIFLY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven AIFLY's recent stock price performance?
Aiful Corporation (AIFLY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established brand in Japan. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider AIFLY overvalued or undervalued right now?
Aiful Corporation (AIFLY) trades at 7.2x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying AIFLY?
Before investing in Aiful Corporation (AIFLY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for AIFLY due to its OTC listing.
- Financial data based on information available as of 2022-03-31.