Muninova Holdings Inc. (547A.T) stock price, financials & research

Regular session · JST · Market data may be delayed.

Company profile

Muninova Holdings Inc. engages in the consumer finance and credit guarantee business in Japan. It offers loans for individuals and businesses; credit cards, prepaid cards, individual credit purchase arrangements, and deferred payment options; credit guarantees; and pet insurance, as well as invests in a range of businesses. The company is also involved in the leaseback, corporate restructuring, rent guarantee, and crowdfunding businesses, as well as the provision of system development, maintenance, and operation services for its clients. Aiful Corporation was founded in 1967 and is headquartered in Kyoto, Japan.

Industry: Financial - Credit Services
Sector: Financial Services
Headquarters: JP
CEO: Mitsuhide Fukuda
Listed since: Mar 25, 2026
Employees: 2,610

Market position

Day range

Current ¥454

¥450¥455

52-week range

Current ¥454

¥406¥595

Open: ¥455
Previous close: ¥452
Volume: 859.5K; 0.43× average
Average volume: 1.99M; Average daily volume
Market cap: 217.46B JPY
Beta: 0.3; Market reference 1
50-day average: ¥444.18; +2.21% above average
200-day average: ¥482.16; -5.84% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value: 1.02T JPY
P/E (TTM): 6.49×
P/B (TTM): 0.89×
P/S (TTM): 0.99×
EV / EBITDA: 25.19×
Earnings yield: 12.45%
Free cash flow yield: -30.04%
Dividend yield: 1.32%

Profitability & efficiency

Gross margin: 84.09%
Operating margin: 16.76%
Net margin: 15.23%
Return on equity: 11.24%
Return on assets: 1.65%
Return on invested capital: 2.43%

Financial health

Debt / equity: 3.71×
Current ratio: 1.6×
Altman Z-score: 0.86
Piotroski F-score: 5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin

Income trends

Revenue

214.69B JPY+13.56%

Operating income

34.11B JPY+1.59%

Net income

27.12B JPY+20.46%

Metric (JPY)	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	214.69B JPY	189.05B JPY	163.11B JPY	144.15B JPY	132.09B JPY
Cost of goods sold	22.21B JPY	9.87B JPY	7.58B JPY	7.3B JPY	7.24B JPY
Gross profit	192.48B JPY	179.18B JPY	155.53B JPY	136.85B JPY	124.86B JPY
Selling, general, and administrative	158.38B JPY	75.78B JPY	63.21B JPY	60.12B JPY	51.89B JPY
Operating expenses	158.38B JPY	153.88B JPY	134.46B JPY	113.13B JPY	113.61B JPY
Interest income	118.85B JPY	64M JPY	83M JPY	19M JPY	224M JPY
Interest expense	11.63B JPY	—	—	—	6.31B JPY
Depreciation and amortization	6.52B JPY	4.35B JPY	3.91B JPY	3.6B JPY	3.42B JPY
Operating income	34.11B JPY	33.57B JPY	21.07B JPY	23.73B JPY	11.25B JPY
Net income	27.12B JPY	22.52B JPY	21.82B JPY	22.34B JPY	12.33B JPY