MNYFF (Money Forward) Long-Term Debt: $188.9 Mil (As of May. 2026)

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Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MNYFF Money Forward Inc MNYFF
61 GF Score
Price $26.76
GF Value $32.22
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Money Forward Long-Term Debt?

Money Forward MNYFF -9.04% 61 Long-Term Debt is $188.9 Mil as of May. 2026. GuruFocus rates MNYFF with a GF Score™ of 61/100 and a GF Value™ of $32.22 (Modestly Undervalued). The stock has 5 warning signs investors should review.

Money Forward's Long-Term Debt for the quarter that ended in May. 2026 was $188.9 Mil.

Money Forward's quarterly Long-Term Debt increased from Nov. 2025 ($148.2 Mil) to Feb. 2026 ($161.9 Mil) and increased from Feb. 2026 ($161.9 Mil) to May. 2026 ($188.9 Mil).

Money Forward's annual Long-Term Debt declined from Nov. 2023 ($146.6 Mil) to Nov. 2024 ($135.9 Mil) but then increased from Nov. 2024 ($135.9 Mil) to Nov. 2025 ($148.2 Mil).

Money Forward  (OTCPK:MNYFF) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Money Forward Long-Term Debt Related Terms

Money Forward Long-Term Debt Historical Data

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The historical data trend for Money Forward's Long-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Money Forward Long-Term Debt Chart

Money Forward Annual Data
Trend Nov16 Nov17 Nov18 Nov19 Nov20 Nov21 Nov22 Nov23 Nov24 Nov25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.79 44.70 146.63 135.95 148.22

Money Forward Quarterly Data
Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 150.60 151.63 148.22 161.85 188.94
MNYFF
61GF Score
Money Forward Inc MNYFF
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $188.9 Mil mean?
Money Forward (MNYFF) has a Long-Term Debt of $188.9 Mil as of May. 2026.
Is Money Forward's Long-Term Debt too high?
Money Forward's current Long-Term Debt is $188.9 Mil. Overall, Money Forward has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Money Forward's Long-Term Debt compare to UBER and SHOP?
Money Forward's Long-Term Debt of $188.9 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Software company?
A good Long-Term Debt depends on the Software industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Money Forward's current Long-Term Debt is $188.9 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Money Forward stock overvalued right now?
Based on GuruFocus' analysis, Money Forward (MNYFF) is currently considered Modestly Undervalued. The stock's GF Value™ is $32.22, compared to a current price of $26.76 — trading 16.9% below its estimated fair value. The current Long-Term Debt is $188.9 Mil. Money Forward's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Money Forward (MNYFF), the current Long-Term Debt is $188.9 Mil as of May. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Money Forward (MNYFF) Overvalued in 2026?

Based on GuruFocus' analysis, Money Forward stock appears to be undervalued. The current stock price of $26.76 is trading 16.9% below its estimated GF Value™ of $32.22. GuruFocus considers Money Forward to be Modestly Undervalued.

Key valuation signals for MNYFF:

  • Long-Term Debt: $188.9 Mil
  • GF Value™: $32.22 vs. price of $26.76 (16.9% below fair value)
  • GF Score™: 61/100 with 5 warning signs

No single metric tells the full story. See the MNYFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Money Forward Business Description

Other Exchanges 3994:Japan47D:Germany
Address 21st Floor, msb Tamachi Tamachi Station Tower, S 3-1-21 Shibaura, Minato-ku, Tokyo, JPN, 108-0023
Money Forward Inc provides money-related services for individuals and corporations. Its service portfolio comprises personal financial management services and MF cloud services. Its personal financial management services include economic media that conveys money related themes, automatic savings app and mirai talk channel where customers can resolve their financial concerns together directly with financial planners. Its MF Cloud services comprise cloud accounting software, cloud-based tax return, invoice preparation software, payroll calculation, and cloud-based payment reconciliation.
61GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.76
Price
$32.22
GF Value