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Newly formed Japanese holding company for AIFUL, a consumer-finance group offering personal loans and credit guarantees.
Newly formed Japanese holding company for AIFUL, a consumer-finance group offering personal loans and credit guarantees.
Earns interest on unsecured personal loans and fees for guaranteeing loans made by partner banks, so credit losses and the legal interest-rate ceiling decide profit. Japanese consumer lenders are limited by law in the rate they can charge and how much they can lend relative to a borrower's income.
In one line: Japan's version of a consumer-lender holding company, like a smaller OneMain Holdings.
Moat: narrow (scale, brand, regulatory licence). Long-standing consumer-lending brand and licence, though it competes with banks and other consumer lenders.
Headquarters: Tokyo, Japan · Founded: 2026 · Employees: 2,610
Size Muninova (547A.T) is a Japan Industrials company (Miscellaneous) with a market value of $1.19B, the 665th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥387 on 6 Nov 2026.
Performance Over six months the shares fell 15.9%, against -6.1% for the median peer and +1.8% for the Japan market (cap-weighted) — 2nd lowest of 5 in its peer set.
Growth Revenue grew 12.6% over the last twelve months (peer median +18.1%); the operating margin is 16.8% (peer median 36.4%).
Valuation It trades at 5.6× forward earnings.
Capital Return on invested capital runs 2.7 points below its cost of capital (5.0% WACC).
Next results Next results expected around 10 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥221B | ¥208B | ¥182B | ¥156B | ¥137B |
| Revenue growth | — | +14% | +17% | +14% | — |
| Gross profit | ¥192B | ¥165B | ¥148B | ¥131B | ¥114B |
| EBITDA | ¥43.4B | ¥52.3B | ¥38.7B | ¥31.1B | ¥33.6B |
| Net income | ¥33.6B | ¥27.1B | ¥22.5B | ¥21.8B | ¥22.3B |
| Free cash flow | -¥56.8B | -¥58.4B | -¥101B | -¥76.5B | -¥71.6B |
| Capital expenditure | ¥8.44B | ¥8.24B | ¥25.2B | ¥10.1B | ¥4.48B |
| Total debt | ¥907B | ¥848B | ¥790B | ¥666B | ¥563B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g |
|---|---|---|---|---|---|---|
| Muninova 547A.T | $1.19B | -16% | +13% | 17% | 5.6× | n/a |
| ACOM 8572.T | $4.38B | -12% | +7% | 30% | 10.1× | n/a |
| Orient 8585.T | $831M | -24% | +4% | 9% | 14.7× | n/a |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 547A.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -8.7% | +0.5% | lowest of 6 |
| 6-month return | -15.9% | -6.1% | 2nd lowest of 5 |
| Distance from 52-week high | -35.0% | -28.9% | 2nd lowest of 6 |
| Revenue growth (TTM) | +12.6% | +18.1% | 3rd highest of 5 |
| Operating margin | 16.8% | 36.4% | 2nd lowest of 5 |
| Forward P/E | 5.6× | n/a | — |
| ROIC minus cost of capital | -2.7 pp | -2.4 pp | 3rd highest of 5 |
| EV / EBITDA | 24.3× | 12.8× | 2nd most expensive of 5 |
| Net debt / EBITDA | 19.9× | 1.7× | most indebted of 5 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| Muninova 547A.T | Japan | $1.19B | -16% | +13% | 17% | 5.6× | n/a | n/a |
| Paratus Energy Services PLSV.OL | Norway | $833M | -6% | -58% | 23% | 11.4× | 15.9% | +3.8% |
| Louis Hachette ALHG.PA | France | $1.97B | +12% | +3% | 4% | 12.1× | -1.2% | +210.9% |
| Queen's Road Capital Investment QRC.TO | Canada | $523M | -16% | +33% | 759% | n/a | 20.4% | +83.0% |
| Hanwha Machinery & Service 0220W0.KS | South Korea | $436M | n/a | n/a | n/a | n/a | n/a | n/a |
| Ashika Global Securities ASHIKAG.NS | India | $339M | -6% | +4,121% | 49% | n/a | 26.7% | +186.3% |