AEON Financial Service Co., Ltd.
AEOJF
Other OTC8.57
USD
- -
- -
ISIN
JP3131400008
CUSIP
00770K102
Return %
Stock
S&P500
1Y
10.58
19.01
3Y
-2.28
65.48
5Y
-29.81
72.20
Capital Structure
FRC
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in mil. unless spec.Working Capital
FRC
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in mil. unless spec.Growth Rates
FRC
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in mil. unless spec.Quarterly Revenue
FRC
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in mil. unless spec.Quarterly Earnings Per Share
FRC
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in mil. unless spec.Quarterly Dividends Per Share
FRC
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in mil. unless spec.- CEO
- Tomoharu Fukayama
- Full Time Employees
- 130,551
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Address
- Terrace Square Tokyo TY Japan 101-0054
- IPO Date
- Aug 3, 2012
- Website
- aeonfinancial.co.jp
- Similar Companies
- Business
- AEON Financial Service Co., Ltd. (Ticker: AEOJF) operates as a comprehensive financial group rooted in the retail sector, providing consumer finance, credit cards, loans, and insurance services primarily in Japan and across 10 Asian countries and regions including China, Malaysia, Thailand, Vietnam, Indonesia, Philippines, Cambodia, Myanmar, Laos, and Hong Kong; headquartered in Tokyo with key operations in Chiba, Japan, the company was founded in 1981 as Nihon Credit Service Co., Ltd. and serves individual consumers and small businesses through an extensive branch network and digital platforms. Core offerings encompass AEON-branded credit and debit cards with revolving credit, cash advances, and point-of-sale financing; personal loans including card loans, unsecured loans, education loans, housing-related loans, and automotive loans; installment payment processing and hire purchase for retail purchases; insurance agency services covering life insurance, non-life insurance, and short-term small amount insurance with products like individual pension insurance, whole life insurance, and educational endowment insurance; asset management via a lineup of approximately 250 trust products; backup servicing for receivables management and collection; and digital solutions such as internet banking, prepaid payment instruments, and bank agency services for deposits and consumer loans through principal bank AEON Bank, Ltd. Geographically, domestic Japan operations dominate revenue from credit cards and loans, while overseas subsidiaries like AEON Credit Service (Asia) in Hong Kong, AEON Thana Sinsap in Thailand, AEON Credit Service (M) in Malaysia, and recent additions in Vietnam handle localized microfinance, leasing, and retail finance tailored to regional markets. Recent developments include the February 2025 acquisition of Post and Telecommunication Finance Company Limited in Vietnam (renamed AEON Consumer Finance Company Limited), establishing it as a consolidated subsidiary to bolster Southeast Asian presence; the July 2025 transfer of majority shares in AEON Allianz Life Insurance Co., Ltd. to Meiji Yasuda Life Insurance Company following a March 2025 comprehensive partnership agreement with AEON Co., Ltd. and Meiji Yasuda; the March 2024 divestiture of AEON Product Finance Co., Ltd. to Orient Corporation; ongoing consolidations such as the June 2023 integration of AEON Credit Service Co., Ltd. and multiple 2025 absorption-type mergers and splits of subsidiaries to streamline operations; and robust financial performance with record revenue of approximately ¥450 billion for the fiscal year ended March 2024, driven by 15% growth in consumer loans and credit cards amid digital enhancements.