AEON Financial Service Co Ltd (JP:8570)
:8570
Want to see JP:8570 full AI Analyst Report?
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¥1,261.00 - ¥1,860.00
Previous CloseN/A
Volume520.20K
Average Volume (3M)507.78K
Market Cap
¥325.05B
Enterprise Value¥6.46T
Total Cash (Recent Filing)¥1.92T
Total Debt (Recent Filing)¥1.28T
Price to Earnings (P/E)15.3
Beta0.69
Next Earnings
Jul 09, 2026EPS Estimate
15.08Next Dividend Ex-DateN/A
Dividend Yield3.04%
Share Statistics
EPS (TTM)67.21
Shares Outstanding216,010,130
10 Day Avg. Volume523,320
30 Day Avg. Volume507,783
Financial Highlights & Ratios
PEG Ratio2.25
Price to Book (P/B)0.80
Price to Sales (P/S)0.69
P/FCF Ratio1.10
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥1,522.50Price Target Upside-7.39% Downside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)92.25
Revenue Forecast (FY)¥612.28B
Bulls Say, Bears Say
Bulls Say
Revenue AccelerationAEON Financial Service's surge to roughly +34.9% revenue growth in 2026 reflects materially higher card usage and loan origination across its customer base. Durable top-line expansion supports operating leverage, funds reinvestment into products and underwriting, and improves the runway for continued balance-sheet scale over multiple quarters.
Stable Operating ProfitabilityConsistent EBIT in the 70–105 billion range indicates structurally resilient operating margins in the core consumer finance business. Reliable operating earnings provide a buffer against credit cost fluctuations, support internal funding for strategic initiatives, and underpin medium-term cash generation capacity.
AEON Retail Ecosystem DistributionIntegration with AEON's large retail footprint gives the company a durable, low-cost customer acquisition channel and embedded cross-sell opportunities. This captive distribution sustains card volumes, merchant relationships and recurring fee income, strengthening competitive positioning and long-term revenue predictability.
Bears Say
Elevated LeverageVery high debt-to-equity ratios, with spikes near ~12x in some years, create meaningful sensitivity to funding cost increases or market stress. Elevated leverage restricts financial flexibility for capital allocation, heightens refinancing and liquidity risk, and amplifies earnings volatility from credit shocks over the medium term.
Inconsistent Cash GenerationA reported zero operating/free cash flow year in 2024 and wide year-to-year swings reduce confidence in predictable internal funding. Irregular cash conversion complicates debt servicing plans, dividend coverage and planned reinvestments, making near- to medium-term capital planning more uncertain.
Net Income And ROE VolatilityNet income has fluctuated materially (peaking near ~30B then falling to ~15.6B), while ROE remains modest in the roughly 3%–7% range. This persistent earnings variability and modest returns on equity limit the firm's ability to consistently reinvest at attractive rates and constrain long-term shareholder return potential.
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 ¥1261.00 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 ¥325.05B.
When is AEON Financial Service Co Ltd’s upcoming earnings report date?
AEON Financial Service Co Ltd’s upcoming earnings report date is Jul 09, 2026 which is in 28 days.
How were AEON Financial Service Co Ltd’s earnings last quarter?
AEON Financial Service Co Ltd released its earnings results on Apr 08, 2026. The company reported ¥30.78 earnings per share for the quarter, missing the consensus estimate of ¥37.18 by -¥6.4.
Is AEON Financial Service Co Ltd overvalued?
According to Wall Street analysts AEON Financial Service Co Ltd’s price is currently Overvalued.
Does AEON Financial Service Co Ltd pay dividends?
AEON Financial Service Co Ltd pays a Semiannually dividend of ¥25 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 15.08.
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 ¥30.78 in its last earnings report, missing expectations of ¥37.18. Following the earnings report the stock price went up 3.378%.
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., operating through its diverse subsidiaries, delivers a comprehensive suite of financial services, primarily within Japan. The company's operations are strategically organized into five distinct segments: Retail, Solutions, China Area, Mekong Area, and Malay Area. Its extensive portfolio spans banking and a comprehensive range of insurance offerings, including short-term, life, and non-life agency services. The company provides a diverse array of lending solutions, such as housing, internet, and other consumer loans, alongside installment sales and the purchasing of loans. Core operations also encompass credit card and electronic money services, ATM management, credit guarantees, and merchant acquiring. Further financial activities include processing, bank agency functions, credit management, property leasing, collection and payment facilitation, and guarantee provision. Additionally, AEON Financial Service is involved in the management, collection, and acquisition of specified monetary claims, as well as offering backup servicing solutions. Established in 1981, AEON Financial Service maintains its corporate headquarters in Tokyo, Japan.
8570 Stock 12 Month Forecast
Average Price Target
¥1,522.50
▼(-7.39% Downside)
Technical Analysis
Options Prices
Currently, No data available
---