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    Financial - Credit Services
Orient Corporation

Orient Corporation

8585.T
Orient CorporationJP flagTokyo Stock Exchange
883.00
JPY
-5.00
- -
151.16BMarket Cap
Orient Corporation
8585.T
(Tokyo Stock Exchange)

Recent

price

883.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
3,792.92
3,134.58
3,081.4
2,683.36
2,563.01
1,504.39
1,243.77
1,306.57
1,359.24
1,415.98
1,338.4
1,338.87
1,326.81
1,335.58
1,432.77
1,446.7
682.57
Revenue per Share
78.34
29.35
44.19
293.48
229.5
174.57
166.99
163.16
168.19
120.29
114.71
113.47
110.92
73.3
81.45
75.3
14.28
Basic EPS, GAAP
-147.53
477.69
466.58
-663.53
-110.12
-448.02
-762.26
-601.77
-377.24
-477.95
243.13
402.03
111.1
-333.11
-71.28
28.92
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
29.23
29.24
28.33
35.83
33.35
30.13
40.05
40.21
40.14
- -
Dividend per Share
3,316.21
2,899.4
2,936.21
2,888.43
3,029.36
1,907.34
1,730.02
1,435.93
1,450.93
1,449.43
1,226.7
1,184.67
1,265.8
1,299.81
1,343.5
1,375.75
1,283.68
Book Value per Share
2,236.05
1,895.75
1,963.54
2,010.2
2,108.7
1,262.6
1,085.78
677.4
670.58
688.35
609.75
620.48
769.08
883.23
925.73
1,013.11
881.85
Tangible Book Value per Share
59
68
68
77
81
141
172
172
172
172
172
172
172
172
171
171
171
Basic Weighted Avg Shares
223,826
213,725
210,634
207,545
206,396
211,801
213,691
224,396
233,367
243,133
229,791
229,804
227,692
229,053
245,269
247,630
116,865
Sales/Revenue/Turnover
1.87
1.57
1.93
12.89
10.05
13.92
15.68
13.41
9.41
10.05
9.81
12.62
10.13
7.04
5.03
5.83
8.74
Operating Margin (%)
14,552
15,387
14,093
12,190
10,762
7,334
6,690
5,796
16,354
22,304
23,909
25,406
26,550
21,895
20,518
20,022
- -
Depreciation Expense
4,623
2,001
3,021
22,699
18,481
24,577
28,690
28,021
28,877
20,654
19,695
19,476
19,035
12,571
13,943
12,889
2,445
Net Income, GAAP
- -
40.2
19.24
15.57
8.02
16.28
15.86
11.28
- -
18.15
16.26
33.45
19.56
30.41
41.65
13.65
66.72
Effective Tax Rate (%)
2.07
0.94
1.43
10.94
8.95
11.6
13.43
12.49
12.37
8.49
8.57
8.48
8.36
5.49
5.68
5.2
2.09
Profit Margin (%)
465,489
428,354
473,655
517,127
526,041
641,545
850,635
924,224
931,996
1,002,976
962,570
925,062
975,224
1,029,579
1,138,965
1,124,865
1,158,156
Working Capital
410,772
384,485
419,787
453,265
448,805
554,837
759,120
936,784
967,906
1,030,503
1,025,957
974,467
1,005,536
1,063,255
1,168,333
1,150,378
1,193,348
LT Debt
191,277
192,875
197,800
225,802
249,971
274,020
303,907
259,403
256,466
251,567
228,463
216,835
229,772
245,680
246,556
257,186
240,543
Total Equity
- -
0.19
0.32
2.17
1.78
2.17
2.19
1.82
- -
1.18
1
0.94
0.92
0.49
0.29
0.53
0.15
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.39
1.02
1.52
10.7
7.91
9.59
10.14
10.3
11.65
8.3
8.57
9.41
9.05
5.71
6.16
5.54
1.11
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
1,307,401
- -
1,004,627
LT Borrowings
1,062,653
- -
1,193,348
LT Finance Leases
602
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
172
- -
171
Market Capitalization
184,037
176,520
160,597

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
2,842,125
- -
2,645,641
Cash, Cash Equivalents & STI
479,360
- -
263,463
Accounts Receivable, Net
1,375,685
- -
1,401,118
Inventories
- -
- -
- -
Total Current Liabilities
1,812,546
- -
1,487,485
Payables & Accruals
- -
- -
- -
ST Debt
1,307,401
- -
1,004,627
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.35%
2.49%
4.31%
Free Cash Flow
-70.09%
-125.18%
-140.57%
Net Income, GAAP
-4.96%
-6.8%
-7.56%
Sales/Revenue/Turnover
1.63%
1.55%
0.96%
Total Cash Common Dividend
- -
3.25%
-0.17%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
57,687
54,501
56,447
60,418
229,053
2025
- -
- -
- -
- -
245,269
2026
- -
- -
- -
- -
247,630

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21.45
- -
- -
- -
73.3
2025
- -
- -
- -
- -
81.45
2026
- -
- -
- -
- -
75.3

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
40.05
2025
- -
- -
- -
- -
40.21
2026
- -
- -
- -
- -
40.14
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Business
Orient Corporation (8585.T) is a Japan-based consumer finance company that provides a range of credit and financial services including installment credit, credit cards and cash loans, bank loan guarantees, settlement and guarantee services, and overseas operations. The company offers core products such as auto loans, student loans, shopping credit, housing improvement loans, unsecured personal loans, credit cards (including co-branded cards like Orico Card THE POINT and Mizuho Mileage Club Card/THE POINT), cash advance services, rent settlement guarantees, accounts receivable guarantees, small lease guarantees, and fee collection services; it operates through segments encompassing personal installment, credit cards, overseas auto financing, bank loan guarantees, and settlement businesses targeting individual consumers, retailers, and financial institutions across Japan and select international markets. Founded in 1954 and headquartered at 2-1 Kojimachi 5-chome, Chiyoda-ku, Tokyo, the company maintains a network of approximately 111 branches and 832,000 member merchants primarily in Japan, with overseas activities in Thailand, Indonesia, and the Philippines through subsidiaries like Orico Auto Leasing (Thailand) Ltd., PT Orico Balimor Finance, and Orico Auto Finance Philippines Inc. In recent developments, Orient Corporation released a digital card in March 2024 to enhance smart payment experiences, concluded a basic agreement on a business alliance with AEON Financial Service Co., Ltd. for personal loan guarantees (with services commencing in April 2025), and acquired an installment sales company renamed Orico Product Finance Co., Ltd.; the company also made Orico Auto Lease Co., Ltd. and Orico Business Lease Inc. consolidated subsidiaries in September 2023, formulated a new corporate philosophy in April 2024, and accelerated restructuring of unprofitable auto loan operations in Thailand and Indonesia as of June 2025. These initiatives reflect strategic expansions in digital offerings, partnerships, and consolidations to bolster domestic and overseas growth amid a focus on operational efficiency in consumer lending. The company lists on the Prime Market of the Tokyo Stock Exchange and reports consolidated employees numbering 9,032 as of March 31, 2025.