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AEON Financial Service Co., Ltd.

AEON Financial Service Co., Ltd.

AEOJF
AEON Financial Service Co., Ltd.US flagOther OTC
8.57
USD
- -
- -
1.85BMarket Cap
AEON Financial Service Co., Ltd.
AEOJF
(Other OTC)

Recent

price

8.57

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
1,082.85
1,059.59
1,288.43
1,236.13
1,433.53
1,578.6
1,586.08
1,646.44
1,845.36
- -
1,818.42
1,844.86
1,802.55
1,940.62
2,092.66
2,183.14
2,004.53
Revenue per Share
57.3
57.3
88.12
104.62
152.55
180.09
189.75
179.29
182.64
- -
81.98
139.98
142.12
96.8
72.47
97.7
110.6
Basic EPS, GAAP
131.12
131.12
85.15
-798.77
695.7
-187.42
5.67
778.31
842.08
- -
122.23
218.8
330.18
-443.96
1,425.56
1,235.7
- -
Free Cash Flow per Basic Share
45
45
50.15
49.39
60.98
62.99
66.39
67.99
68
- -
50
42
50.99
57.99
53
53
- -
Dividend per Share
956.61
956.61
911.12
833.81
925.27
1,047.82
1,197.99
1,265.88
1,302.82
- -
1,311.71
1,409.53
1,500.47
1,536.66
1,555.99
1,601.09
1,555.99
Book Value per Share
1,043.71
1,043.69
1,289.6
1,208.27
1,269.83
1,327.2
1,510.67
1,601.2
1,615.26
- -
1,635.18
1,770.13
1,899.93
2,010.17
1,844.65
2,004.17
2,019.99
Tangible Book Value per Share
157
157
155
198
200
199
208
216
216
- -
216
216
216
216
216
216
216
Basic Weighted Avg Shares
169,849
166,200
199,088
245,090
286,527
313,676
329,796
355,182
398,177
- -
392,438
398,182
389,073
418,923
451,765
471,306
432,703
Sales/Revenue/Turnover
26.81
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
7,896
7,996
10,505
14,512
16,371
17,724
19,448
21,056
22,686
- -
31,450
32,434
32,098
32,754
31,725
33,988
- -
Depreciation Expense
8,988
8,988
13,616
20,743
30,491
35,785
39,454
38,677
39,408
- -
17,693
30,212
30,677
20,896
15,644
21,092
23,875
Net Income, GAAP
36.02
36.02
37.46
29.93
26.66
24.96
20.22
26.58
26.02
- -
33.57
31.3
27.05
31.04
37.05
24.66
30.85
Effective Tax Rate (%)
5.29
5.41
6.84
8.46
10.64
11.41
11.96
10.89
9.9
- -
4.51
7.59
7.88
4.99
3.46
4.48
5.52
Profit Margin (%)
378,488
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
355,435
160,961
1,648,224
624,565
782,286
726,113
723,066
765,506
819,989
1,020,299
1,006,386
1,055,881
1,182,093
1,285,208
1,280,999
1,405,103
1,217,887
LT Debt
181,852
181,851
258,872
307,290
324,946
340,885
401,169
437,780
448,703
459,075
474,667
509,053
541,132
574,314
585,765
625,207
583,601
Total Equity
4.17
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.03
5.99
9.36
13.55
17.41
18.2
17.25
14.81
14.22
- -
6.33
10.29
9.77
6.37
4.69
6.19
7.24
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Feb'24
May'25
Aug'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
216
216
216
Market Capitalization
290,790
315,167
292,909

Working Capital

FRC

•

in mil. unless spec.
Feb'24
May'25
Aug'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
665,558
420,231
611,009
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.34%
5.68%
6.73%
Free Cash Flow
- -
-107.8%
-13.32%
Net Income, GAAP
- -
10.02%
34.82%
Sales/Revenue/Turnover
- -
3.8%
4.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
110,333
107,237
- -
- -
451,765
2026
- -
- -
- -
- -
471,306
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
28.18
- -
- -
- -
72.47
2026
- -
- -
- -
- -
97.7
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
53
2026
- -
- -
- -
- -
53
2027
- -
- -
- -
- -
- -
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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.