How does 267A's PE Ratio compare to its peers?

267A is good value based on its Price-To-Earnings Ratio (2.9x) compared to the peer average (14.4x).

How does 267A's PE Ratio compare vs other companies in the Asian Consumer Finance Industry?

267A is good value based on its Price-To-Earnings Ratio (2.9x) compared to the Asian Consumer Finance industry average (15x).

What is 267A's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate 267A's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of 267A when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

267A (¥1991) is trading below our estimate of [[fair value]] (¥3426.79)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

267A Stock Overview

Engages in the credit business in Japan. More details

267A fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	3/6
Dividends	0/6

Rewards

Trading at 41.9% below our estimate of its fair value

Earnings grew by 209.8% over the past year

Risk Analysis

Shares are highly illiquid

Debt is not well covered by operating cash flow

Does not have a meaningful market cap (¥2B)

My Notes

Capture your thoughts, links and company narrative

Towarise Corporation Competitors

Anshin Guarantor Service

TSE:7183

JP¥2.5b

J Trust

TSE:8508

JP¥59.1b

Premium Group

TSE:7199

JP¥95.0b

JACCS

TSE:8584

JP¥131.3b

Price History & Performance

Summary of share price highs, lows and changes for Towarise
Historical stock prices
Current Share Price	JP¥1,991.00
52 Week High	JP¥1,991.00
52 Week Low	JP¥1,991.00
Beta	0
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0%

Recent updates

Shareholder Returns

	267A	JP Consumer Finance	JP Market
7D	0%	1.1%	-0.02%
1Y	n/a	13.0%	14.6%

Return vs Industry: Insufficient data to determine how 267A performed against the JP Consumer Finance industry.

Return vs Market: Insufficient data to determine how 267A performed against the JP Market.

Price Volatility

Is 267A's price volatile compared to industry and market?
267A volatility
267A Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	3.6%
Market Average Movement	3.6%
10% most volatile stocks in JP Market	7.3%
10% least volatile stocks in JP Market	1.9%

Stable Share Price: 267A's share price has been volatile over the past 3 months compared to the JP market.

Volatility Over Time: Insufficient data to determine 267A's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1963	n/a	n/a	www.towarise.jp

Towarise Corporation engages in the credit business in Japan. The company offers individual and comprehensive credit purchase intermediation, cashing, various consumer loans, and financial institution affiliated loan guarantees. It also sells computers and mobile phones; and rents buildings, as well as offers software development and network consulting services.

Towarise Corporation Fundamentals Summary

How do Towarise's earnings and revenue compare to its market cap?
267A fundamental statistics
Market cap	JP¥2.01b
Earnings (TTM)	JP¥697.00m
Revenue (TTM)	JP¥6.89b

2.9x

P/E Ratio

0.3x

P/S Ratio

Is 267A overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
267A income statement (TTM)
Revenue	JP¥6.89b
Cost of Revenue	JP¥2.05b
Gross Profit	JP¥4.84b
Other Expenses	JP¥4.14b
Earnings	JP¥697.00m

Last Reported Earnings

Jul 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	691.47
Gross Margin	70.22%
Net Profit Margin	10.11%
Debt/Equity Ratio	899.5%

How did 267A perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 19:16
End of Day Share Price	2024/12/24 00:00
Earnings	2024/07/31
Annual Earnings	2024/07/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Towarise Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Towarise TSE:267A Stock Report