1. Japan Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
AEON Financial Service Co., Ltd.

AEON Financial Service Co., Ltd.

8.20
EUR
+0.30
(+3.80%)
4.12EPS
2.98P/E
1.73BMarket Cap
Jan 14Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
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
7,872.04
Basic EPS, GAAP
104.62
152.55
180.09
189.75
179.29
182.64
- -
81.98
139.98
142.12
96.8
72.47
97.7
434.35
Free Cash Flow per Basic Share
-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
- -
Dividend per Share
49.39
60.98
62.99
66.39
67.99
68
- -
50
42
50.99
57.99
53
53
- -
Book Value per Share
1,316.26
1,377.92
1,465.86
1,605.3
1,715.39
1,764.53
1,823.43
1,860.28
1,965.62
2,014.35
2,123.49
2,136.08
2,208.79
2,155.88
Tangible Book Value per Share
988.19
1,019.89
1,077.56
1,201.75
1,287.35
1,300.27
1,318.65
1,296.07
1,377.21
1,407.28
1,473.19
1,267.36
1,316.92
1,472.34
Basic Weighted Avg Shares
198
200
199
208
216
216
2
216
216
216
216
216
216
55
Sales/Revenue/Turnover
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
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
14,512
16,371
17,724
19,448
21,056
22,686
- -
31,450
32,434
32,098
32,754
31,725
33,988
- -
Net Income, GAAP
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
Effective Tax Rate (%)
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
Profit Margin (%)
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
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
Total Equity
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
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
0.96
2.19
2.49
2.86
2.45
2.24
- -
0.63
1.27
1.08
0.45
0.15
0.28
0.62
Return on Common Equity (%)
8.25
11.18
12.67
12.38
10.8
10.5
- -
4.45
7.32
7.14
4.68
3.4
4.5
5.24

Capital Structure

JPY

•

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
- -
278,162
279,043

Working Capital

JPY

•

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

JPY

•

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

JPY

•

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

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
28.18
3,091.61
- -
- -
72.47
2026
- -
- -
- -
- -
97.7
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

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

Company Description

Company Profile APIChatGPT
CEO
Tomoharu Fukayama
Full Time Employees
14,942
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Terrace Square Tokyo TY Japan 101-0054
IPO Date
Dec 2, 1996
Website
aeonfinancial.co.jp
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Business
AEON Financial Service Co., Ltd. provides comprehensive financial services rooted in the retail sector, including banking and insurance products for individual customers; installment payment processing and database management solutions for businesses; credit card issuance and loan services; life and non-life insurance agency business; management, collection, and purchase of specified monetary claims; housing-related loans and property leases; short-term small-amount insurance services; and digital solutions for local governments. The company operates through five segments—Retail, Solutions, China Area, Mekong Area, and Malaysia Area—serving individual and corporate clients across Japan and 10 countries and regions in Asia, including China, Vietnam, Thailand, Malaysia, Indonesia, Philippines, Laos, Cambodia, and Myanmar. Founded on June 20, 1981, and headquartered at Terrace Square in Chiyoda-ku, Tokyo, Japan, AEON Financial Service functions as the financial services arm of the AEON Group. Recent developments include the February 2025 acquisition of Post and Telecommunication Finance (PTF), a Vietnamese finance company, from SeABank to bolster its Mekong Area operations; the March 2025 formation of a comprehensive partnership with AEON Co., Ltd. and Meiji Yasuda Life Insurance, alongside the transfer of its consolidated subsidiary AEON Allianz Life Insurance to Meiji Yasuda; the opening of Malaysia's first digital bank in 2024; and multiple 2025 internal reorganizations, such as absorption-type mergers, company splits, and making subsidiaries wholly owned through share exchanges.