| Valuation method | Value, ¥ | Upside, % |
|---|---|---|
| Artificial intelligence (AI) | 68.15 | -59 |
| Intrinsic value (DCF) | 64.80 | -61 |
| Graham-Dodd Method | 116.62 | -30 |
| Graham Formula | 96.19 | -42 |
Anshin Guarantor Service Co., Ltd. (7183.T) is a specialized financial services company based in Tokyo, Japan, primarily engaged in rent debt guarantee solutions. Founded in 2002, the company offers products such as Anshin Plus, Life Anshin Plus, AEON Card De Yachin, and Aplus Anshin Rent Guarantee, catering to tenants and landlords in Japan's rental market. Anshin Guarantor Service provides online application and remittance services, streamlining the rental guarantee process for residential and commercial properties. Operating in the Financial - Credit Services sector, the company plays a critical role in Japan's real estate ecosystem by mitigating rental default risks. With a market capitalization of approximately ¥2.78 billion, Anshin Guarantor Service is a niche player in Japan's financial services industry, focusing on stability and trust in rental transactions.
Anshin Guarantor Service presents a low-beta (0.204) investment with steady revenue (¥4.84 billion) and net income (¥373.6 million) in FY 2024. The company maintains a strong cash position (¥1.21 billion) against moderate debt (¥500 million), indicating financial stability. However, negative operating cash flow (-¥30.2 million) and capital expenditures (-¥51 million) suggest potential liquidity constraints. The dividend yield (¥3 per share) may appeal to income-focused investors, but growth prospects are limited due to its niche market focus. Investors should weigh its defensive positioning in Japan's rental market against limited scalability outside its core business.
Anshin Guarantor Service operates in a specialized segment of Japan's financial services industry, focusing exclusively on rent debt guarantees. Its competitive advantage lies in its deep integration with Japan's rental market, offering tailored products like Anshin Plus and partnerships with entities such as AEON Card. The company's online services enhance accessibility, but its small market cap (¥2.78 billion) limits its ability to compete with larger financial institutions. Unlike broader credit service providers, Anshin lacks diversification, making it vulnerable to fluctuations in Japan's real estate sector. Its low beta suggests resilience to market volatility, but reliance on domestic demand constrains growth. Competitors with multi-product offerings or international presence may outperform in scalability, though Anshin's niche expertise provides stability in its core market.