AEON Financial Service Co Ltd (JP:8570)
:8570
8570 Stock Chart & Stats
¥1644.00
-¥6.50(-0.51%)
At close: 4:00 PM EST
¥1644.00
-¥6.50(-0.51%)
Day’s Range― - ―
52-Week Range¥1,070.00 - ¥1,860.00
Previous CloseN/A
Volume520.20K
Average Volume (3M)507.78K
Market Cap
¥347.49B
Enterprise Value¥6.58T
Total Cash (Recent Filing)¥1.92T
Total Debt (Recent Filing)¥1.28T
Price to Earnings (P/E)14.7
Beta0.70
Next Earnings
Apr 08, 2026EPS Estimate
37.18Next Dividend Ex-DateN/A
Dividend Yield3.04%
Share Statistics
EPS (TTM)26.41
Shares Outstanding216,010,130
10 Day Avg. Volume523,320
30 Day Avg. Volume507,783
Financial Highlights & Ratios
PEG Ratio-2.54
Price to Book (P/B)0.56
Price to Sales (P/S)0.51
P/FCF Ratio6.37
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥1,770.00Price Target Upside7.66% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)138.12
Revenue Forecast (FY)¥602.79B
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained 22.5% annual revenue growth indicates durable demand for cards, installment and loan products. Over a 2–6 month horizon this supports unit economics, funds available for reinvestment and scale benefits across underwriting, origination and cross‑sell efforts, strengthening recurring earnings.
Cash GenerationA meaningful free cash flow turnaround and OCF/net income >2 signal reliable internal funding. This durable cash generation improves ability to service debt, fund organic growth, maintain dividends and absorb credit shocks without immediate capital raises, enhancing financial flexibility.
Distribution AdvantageOwning a retail‑anchored distribution ecosystem provides a structural acquisition and cross‑sell advantage. Persistent access to AEON shoppers lowers customer acquisition costs, drives stable origination volumes and supports consistent portfolio growth versus peers lacking integrated retail channels.
Bears Say
High LeverageVery high debt-to-equity raises structural refinancing and interest‑rate sensitivity. Over months this constrains capital flexibility, increases funding cost exposure and magnifies downside from credit deterioration, limiting the company's ability to grow or absorb losses without raising equity or cutting dividends.
Margin CompressionA drop in net margin from 5.0% to 3.8% reduces retained earnings and the cushion against credit losses. Persisting margin pressure can slow deleveraging, limit reinvestment and weaken returns on incremental lending, undermining long‑term profitability even if top‑line growth persists.
Thin Capital And Low ROEA modest ROE around 4.2% combined with an equity ratio near 6% implies a thin capital base. Structurally this raises regulatory and capital‑raising vulnerability: to expand lending or absorb shocks the firm may need to raise equity or retain more earnings, constraining growth or shareholder distributions.
AEON Financial Service Co News
8570 FAQ
What was AEON Financial Service Co Ltd’s price range in the past 12 months?
AEON Financial Service Co Ltd lowest stock price was ¥1070.00 and its highest was ¥1860.00 in the past 12 months.
What is AEON Financial Service Co Ltd’s market cap?
AEON Financial Service Co Ltd’s market cap is ¥347.49B.
When is AEON Financial Service Co Ltd’s upcoming earnings report date?
AEON Financial Service Co Ltd’s upcoming earnings report date is Apr 08, 2026 which is in 2 days.
How were AEON Financial Service Co Ltd’s earnings last quarter?
AEON Financial Service Co Ltd released its earnings results on Jan 08, 2026. The company reported ¥26.41 earnings per share for the quarter, missing the consensus estimate of ¥30 by -¥3.59.
Is AEON Financial Service Co Ltd overvalued?
According to Wall Street analysts AEON Financial Service Co Ltd’s price is currently Undervalued.
Does AEON Financial Service Co Ltd pay dividends?
AEON Financial Service Co Ltd pays a Semiannually dividend of ¥28 which represents an annual dividend yield of 3.04%. See more information on AEON Financial Service Co Ltd dividends here
What is AEON Financial Service Co Ltd’s EPS estimate?
AEON Financial Service Co Ltd’s EPS estimate is 37.18.
How many shares outstanding does AEON Financial Service Co Ltd have?
AEON Financial Service Co Ltd has 216,010,130 shares outstanding.
What happened to AEON Financial Service Co Ltd’s price movement after its last earnings report?
AEON Financial Service Co Ltd reported an EPS of ¥26.41 in its last earnings report, missing expectations of ¥30. Following the earnings report the stock price went down -0.372%.
Which hedge fund is a major shareholder of AEON Financial Service Co Ltd?
Currently, no hedge funds are holding shares in JP:8570
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
AEON Financial Service Co Ltd
AEON Financial Service Co., Ltd., through its subsidiaries, provides various financial services in Japan. The company operates through five segments: Retail, Solutions, China Area, Mekong Area, and Malay Area. It engages in processing, banking, short-term insurance, bank agency, ATM, credit guarantee, acquiring, Internet, housing and other loans, credit management, property leases, installment sales, life and non-life insurance agency, life insurance sales, loan purchases, credit card purchase contracts, collection and payment agency, guarantee, credit card, and electronic money businesses. The company is also involved in the management, collection, and purchase of specified monetary claims, and backup servicing business. AEON Financial Service Co., Ltd. was founded in 1981 and is headquartered in Tokyo, Japan.
8570 Stock 12 Month Forecast
Average Price Target
¥1,770.00
▲(7.66% Upside)
Technical Analysis
Options Prices
Currently, No data available
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