AEON Financial Service Co Ltd (JP:8570)
:8570
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AEON Financial Service Co
(8570)
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Rating:61Neutral
Price Target:
¥1,618.00
▼(-1.58% Downside)
Action:Reiterated
Date:04/10/26
The score is primarily driven by improving revenue momentum and reasonable valuation (moderate P/E with a solid dividend yield), offset by elevated balance-sheet leverage and cash-flow volatility. Technical indicators are mixed-to-weak in the near-to-intermediate term, further limiting the overall score.
Positive Factors
Revenue Acceleration
AEON 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.
Negative Factors
Elevated Leverage
Very 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Acceleration
AEON 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.
Read all positive factors
AEON Financial Service Co (8570) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥339.40B
Dividend Yield3.04%
Average Volume (3M)507.78K
Price to Earnings (P/E)14.3
Beta (1Y)0.70
Revenue Growth7.13%
EPS Growth34.82%
CountryJP
Employees19,313
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
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
¥1,728.00Price Target Upside5.11% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)99.98
Revenue Forecast (FY)¥608.95B
AEON Financial Service Co Business Overview & Revenue Model
Company Description
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, sh...
How the Company Makes Money
AEON Financial Service primarily earns revenue from consumer finance and payment-related activities. Key revenue streams typically include: (1) interest income from revolving credit card balances and installment payments, where customers finance p...
AEON Financial Service Co Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Feb 2026 | Feb 2025 | Feb 2024 | Feb 2023 | Feb 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 407.68B | 549.95B | 513.33B | 469.81B | 435.65B | 459.16B |
| Gross Profit | 311.40B | 484.91B | 428.44B | 388.31B | 355.50B | 377.99B |
| EBITDA | 54.19B | 90.81B | 105.42B | 105.27B | 110.85B | 108.78B |
| Net Income | 10.63B | 21.09B | 15.64B | 20.90B | 30.68B | 30.21B |
Balance Sheet | ||||||
| Total Assets | 8.22T | 8.31T | 7.76T | 6.95T | 6.66T | 6.28T |
| Cash, Cash Equivalents and Short-Term Investments | 1.92T | 2.04T | 1.79T | 1.43T | 842.62B | 738.78B |
| Total Debt | 1.28T | 6.89T | 1.28T | 1.29T | 1.20T | 5.05T |
| Total Liabilities | 7.64T | 7.69T | 7.17T | 6.37T | 6.12T | 5.77T |
| Stockholders Equity | 453.79B | 476.84B | 465.02B | 458.40B | 434.81B | 424.25B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 346.55B | 40.96B | 0.00 | 71.27B | 47.23B |
| Operating Cash Flow | 0.00 | 350.95B | 43.58B | 0.00 | 105.14B | 76.29B |
| Investing Cash Flow | 0.00 | -718.88B | -158.48B | -113.70B | 11.80B | -33.56B |
| Financing Cash Flow | 0.00 | 218.11B | 666.13B | 122.98B | -14.56B | -13.51B |
AEON Financial Service Co Technical Analysis
Positive
1644.00
Price Trends
1576.38
Positive
1639.41
Negative
1548.73
Positive
Market Momentum
-4.86
Negative
53.88
Neutral
85.22
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8570, the sentiment is Positive. The current price of 1644 is above the 20-day moving average (MA) of 1555.87, above the 50-day MA of 1576.38, and above the 200-day MA of 1548.73, indicating a bullish trend. The MACD of -4.86 indicates Negative momentum. The RSI at 53.88 is Neutral, neither overbought nor oversold. The STOCH value of 85.22 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8570.
AEON Financial Service Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥651.60B | 9.28 | 9.13% | 2.79% | 11.14% | 1.90% | |
63 Neutral | ¥720.64B | 9.05 | 7.97% | 3.48% | 6.29% | 147.90% | |
61 Neutral | ¥339.40B | 14.33 | 3.46% | 3.04% | 7.13% | 34.82% | |
60 Neutral | ¥510.39B | 19.27 | 11.30% | 3.66% | 8.83% | 10.44% | |
56 Neutral | ¥159.97B | 10.53 | ― | 4.42% | 1.18% | -28.29% |
* Financial Sector Average
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AEON Financial Service Co Corporate Events
AEON Financial Service Sets 2030 Profit Targets and Asia-Focused Digital Finance Push
Apr 8, 2026
AEON Financial Service has unveiled a new medium-term management plan for fiscal 2026–2030 aimed at accelerating growth toward its 2030 vision of becoming a community-based global financial player across Asia. The company targets FY2030 indi...
Aeon Financial Service Lifts Revenue, Warns of Profit Drop in FY2026 Outlook
Apr 8, 2026
AEON Financial Service reported a 6.8% rise in operating revenue to ¥569.4 billion for the fiscal year ended February 28, 2026, while operating and ordinary profit slipped slightly and net profit attributable to owners jumped 34.8% to ¥2...
AEON Financial Service Delays Effective Date of Merger With AFS Corporation
Feb 20, 2026
AEON Financial Service Co., Ltd. has postponed the planned effective date of its absorption-type merger of wholly owned subsidiary AFS Corporation Co., Ltd. from March 1, 2026, to May 1, 2026. The merger, structured as a simplified and short-form ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.