Ricoh Leasing has two primary businesses: lease and installments, and financial services. The lease and installments business, which accounts for the vast majority of the company's revenue, provides business leasing, rental, installment, and credit products for business equipment, information-related equipment, medical equipment, and environment-related equipment. In the financial-services business, Ricoh provides loans to individuals, doctors, and corporations. It also serves as an agent to collect accounts receivable and provide billing services, and it has a credit card business and an asset-management service.

Financial Strength

3/10

Name	Current	Vs Industry
Cash-To-Debt	0.01
Equity-to-Asset	0.18
Debt-to-Equity	4.04
Debt-to-EBITDA	55.76
Interest Coverage	338.34
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.32	Distress Grey Safe
Beneish M-Score	-2.37	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-3.4
	3-Year EBITDA Growth Rate	9.3
	3-Year EPS without NRI Growth Rate	8.6
	3-Year FCF Growth Rate	42.6
	3-Year Book Growth Rate	5.2

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	40.84
	9-Day RSI	41.48
	14-Day RSI	44.02
	6-1 Month Momentum %	28.03
	12-1 Month Momentum %	43.97

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	3.31
	Quick Ratio	3.31
	Cash Ratio	0.02
	Days Sales Outstanding	551.1
	Days Payable	20.38

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.9
	Dividend Payout Ratio	0.33
	3-Year Dividend Growth Rate	17.2
	Forward Dividend Yield %	2.9
	5-Year Yield-on-Cost %	5.94
	Shareholder Yield %	-25.03

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	14.69
	Operating Margin %	6.68
	Net Margin %	3.5
	FCF Margin %	-5.46
	ROE %	5.06
	ROA %	0.88
	ROIC %	1.2
	ROC (Joel Greenblatt) %	1.5
	ROCE %	1.68
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	14.88
	PE Ratio without NRI	11.27
	Shiller PE Ratio	12.49
	Price-to-Owner-Earnings	23.12
	PEG Ratio	1.23
	PS Ratio	0.53
	PB Ratio	0.74
	Price-to-Tangible-Book	0.77
	EV-to-EBIT	65.43
	EV-to-EBITDA	65.43
	EV-to-Revenue	3.34
	EV-to-FCF	-60.96
	Price-to-Median-PS-Value	1.4
	Price-to-Graham-Number	0.62
	Price-to-Net-Current-Asset-Value	4.94
	Earnings Yield (Greenblatt) %	1.53
	FCF Yield %	-10.61
	Forward Rate of Return (Yacktman) %	-7.97

GF Value: 円3703.98

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