Jaccs Co., Ltd. (8584) AI Stock Analysis

• Market Cap: ¥193.88B
• Dividend Yield: 4.42%
• Average Volume (3M): 74.86K
• Price to Earnings (P/E): 9.8
• Beta (1Y): 0.85
• Revenue Growth: 2.13%
• EPS Growth: -25.62%
• Country: JP
• Employees: 6,097
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 104.86
• Shares Outstanding: 45,059,994
• 10 Day Avg. Volume: 62,820
• 30 Day Avg. Volume: 74,856
• PEG Ratio: -0.33
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 0.71
• P/FCF Ratio: -2.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 402.3
• Revenue Forecast (FY): ¥191.00B

• Rating: 67 Neutral
• Price Target: ¥4,807.00 ▲(10.89% Upside)
• Action: Reiterated Date: 10/29/25
• Date: Action: Reiterated 10/29/25

Jaccs Co., Ltd. presents a mixed investment case. The strong valuation metrics, including a low P/E ratio and high dividend yield, are significant positives. However, financial performance is hindered by high leverage and negative cash flows, while technical indicators suggest bearish momentum. Investors should weigh the attractive valuation against the financial and technical risks.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term business expansion.

Gross Profit Margin

A strong gross profit margin reflects effective cost management, which can sustain profitability and competitive pricing over time.

Partnerships

Strategic partnerships enhance product offerings and customer reach, providing a competitive edge and supporting revenue streams.

Negative Factors

High Leverage

High leverage increases financial risk, especially in volatile markets, potentially impacting long-term financial stability.

Negative Cash Flow

Negative cash flow suggests difficulties in generating cash from operations, which may hinder investment and growth opportunities.

Net Profit Margin Fluctuation

Fluctuating net profit margins can signal cost pressures or financial inefficiencies, affecting long-term profitability.

Jaccs Co., Ltd. Business Overview & Revenue Model

Company Description

JACCS Co., Ltd. operates as a consumer finance company in Japan and internationally. The company provides installment credit and other settlement methods for home renovation and other housing-related fields, premium wristwatches and jewelry, motorcycles, household appliances electronics, and kimono; credit for education, bridal, and healthcare services; auto loans for vehicle purchases; and auto leasing services. It also issues credit cards; and offers rental guarantee, bill collection, reimbursement, loan guarantees, non-life and life insurance agency, shared services agency, property rental, leasing, automatic auction sales agency, claim management and collection, claim acquisitions, claims management clerical, and deferred-payment settlement services. The company was formerly known as Depart Sinyohanbai Co., Ltd. and changed its name to JACCS Co., Ltd. in April 1976. JACCS Co., Ltd. was founded in 1954 and is headquartered in Tokyo, Japan.

How the Company Makes Money

Jaccs Co., Ltd. generates revenue primarily through interest income from consumer loans and credit products, as well as fees associated with leasing and financing services. The company earns money from the interest charged on personal loans and credit card balances, which is a significant portion of its income. Additionally, Jaccs capitalizes on service fees from its leasing agreements and installment payments. The company has established partnerships with various retailers and automobile manufacturers, enabling it to offer tailored financing solutions that enhance sales and promote customer loyalty, which further contributes to its revenue streams.

Jaccs Co., Ltd. Financial Statement Overview

Summary

Jaccs Co., Ltd. shows strong revenue growth and profitability, but faces challenges with high leverage and negative cash flows. The income statement is robust, but the balance sheet's high debt levels and cash flow issues pose risks.

Income Statement

Jaccs Co., Ltd. has shown consistent revenue growth over the years, with a notable increase from 2024 to 2025. The gross profit margin remains strong, indicating efficient cost management. However, the net profit margin has fluctuated, with a decrease in 2025, suggesting potential cost pressures or increased financial expenses.

Balance Sheet

The company's debt-to-equity ratio is high, reflecting significant leverage, which is typical in the financial industry but poses risks in volatile markets. The return on equity is robust, demonstrating effective use of shareholder funds. The equity ratio is relatively low, indicating a high reliance on debt financing.

Cash Flow

Operating cash flow remains negative, which may indicate challenges in cash generation from core operations. The free cash flow has improved slightly but is still negative, indicating ongoing capital expenditure needs. The operating cash flow to net income ratio is concerning, suggesting discrepancies between reported earnings and actual cash generation.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	191.55B	190.98B	184.78B	173.50B	164.07B	160.65B
Gross Profit	166.98B	165.93B	164.18B	157.84B	149.69B	143.80B
EBITDA	101.29B	36.95B	44.59B	42.10B	37.38B	26.28B
Net Income	17.02B	18.62B	23.77B	21.65B	18.32B	11.78B
Balance Sheet
Total Assets	3.83T	3.81T	3.78T	3.58T	4.83T	4.48T
Cash, Cash Equivalents and Short-Term Investments	108.23B	284.98B	309.51B	162.35B	138.79B	112.24B
Total Debt	2.98T	2.95T	2.89T	2.75T	2.49T	2.30T
Total Liabilities	3.58T	3.55T	3.54T	3.37T	4.64T	4.31T
Stockholders Equity	248.12B	248.40B	230.60B	204.25B	186.84B	170.14B
Cash Flow
Free Cash Flow	0.00	-54.19B	-106.69B	-223.55B	-160.19B	-150.71B
Operating Cash Flow	0.00	-45.17B	-98.02B	-214.00B	-152.02B	-141.11B
Investing Cash Flow	0.00	-7.45B	-6.26B	-8.16B	-7.31B	-8.82B
Financing Cash Flow	0.00	39.74B	129.02B	246.06B	186.12B	164.87B

Jaccs Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4335.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8584, the sentiment is Positive. The current price of 4335 is above the 20-day moving average (MA) of 4318.50, above the 50-day MA of 4319.90, and above the 200-day MA of 4122.62, indicating a bullish trend. The MACD of 16.88 indicates Negative momentum. The RSI at 52.68 is Neutral, neither overbought nor oversold. The STOCH value of 73.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8584.

Jaccs Co., Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8253	73 Outperform	¥728.18B	12.11	9.13%	2.79%	20.96%	22.58%
8566	70 Outperform	¥194.20B	14.77	―	3.30%	7.36%	-3.80%
8572	69 Neutral	¥797.25B	14.90	7.91%	3.48%	6.65%	-4.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥193.88B	9.82	―	4.42%	2.13%	-25.62%
8570	66 Neutral	¥367.35B	23.34	3.05%	3.04%	10.31%	-40.64%
8515	56 Neutral	¥244.27B	8.25	13.08%	1.25%	15.37%	26.00%

Jaccs Co., Ltd. Corporate Events

JACCS to Enter Singapore Auto Finance Market with 49% Stake in Car Times Capital

JACCS has approved the acquisition of a 49% stake in Singapore-based auto finance company CAR TIMES CAPITAL PTE. LTD. from the CAR TIMES AUTOMOBILE group, using funds raised through a third-party allotment of new shares to MUFG Bank under their existing capital and business alliance. The move marks JACCS’s entry into Singapore’s car loan market, where strict vehicle quotas under the COE system and high ownership costs create strong, durable demand for auto financing; by leveraging CAR TIMES’ 20-plus-year track record and integrated ecosystem covering car sales, purchases, financing, and maintenance, JACCS aims to secure stable profitability and strengthen its overseas growth strategy, though the immediate impact on current fiscal-year results is expected to be limited.

The most recent analyst rating on (JP:8584) stock is a Hold with a Yen4400.00 price target. To see the full list of analyst forecasts on Jaccs Co., Ltd. stock, see the JP:8584 Stock Forecast page.

JACCS Posts Higher Revenue but Lower Profit, Boosts Dividend as Capital Base Strengthens

JACCS Co., Ltd. reported a modest 1.6% year-on-year increase in operating revenue to ¥145.8 billion for the nine months ended December 31, 2025, but saw operating profit fall 16.6% to ¥19.2 billion and profit attributable to owners of parent decline 9.7% to ¥14.6 billion, reflecting margin pressure despite revenue growth. Total assets rose to ¥3.85 trillion and the equity-to-asset ratio improved from 6.5% to 7.6%, indicating a stronger capital base, while the company maintained its full-year forecast of flat operating revenue growth and a more than 20% drop in operating and ordinary profit, and plans to raise annual dividends to ¥200 per share, signaling continued shareholder returns despite weaker profitability.

The most recent analyst rating on (JP:8584) stock is a Hold with a Yen4400.00 price target. To see the full list of analyst forecasts on Jaccs Co., Ltd. stock, see the JP:8584 Stock Forecast page.