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

• Market Cap: ¥190.76B
• Dividend Yield: 4.44%
• Average Volume (3M): 74.86K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 0.87
• Revenue Growth: 2.13%
• EPS Growth: -25.62%
• Country: JP
• Employees: 6,097
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 144.23
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: ¥4,400.00 ▲(2.92% Upside)

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
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: 4275.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 4275 is above the 20-day moving average (MA) of 4137.25, above the 50-day MA of 4099.10, and above the 200-day MA of 3961.98, indicating a bullish trend. The MACD of 33.29 indicates Negative momentum. The RSI at 65.02 is Neutral, neither overbought nor oversold. The STOCH value of 90.54 is Negative, 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
8566	70 Outperform	¥177.24B	12.99	―	3.30%	7.36%	-3.80%
8572	69 Neutral	¥762.78B	14.33	7.91%	3.49%	6.65%	-4.35%
8253	68 Neutral	¥671.45B	9.88	9.13%	2.79%	20.96%	22.58%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥190.76B	8.81	―	4.44%	2.13%	-25.62%
8570	66 Neutral	¥381.59B	26.93	3.05%	3.00%	10.31%	-40.64%
8515	60 Neutral	¥270.87B	9.58	13.08%	1.25%	15.37%	26.00%

Jaccs Co., Ltd. Corporate Events

JACCS Reports Better-Than-Expected Financial Results for H1 2025

JACCS CO., LTD. reported that its actual financial results for the six months ended September 30, 2025, exceeded its previous forecasts. This improvement was driven by a quicker-than-expected recovery in its domestic credit business market share and lower financial expenses due to unchanged domestic policy interest rates. Despite the positive results, the company has maintained its full-year forecast, anticipating increased expenses in the domestic sector and considering overseas business performance.

JACCS Co., Ltd. Reports Mixed Financial Results for First Half of 2025

JACCS Co., Ltd. reported its consolidated financial results for the six months ending September 30, 2025, showing a slight increase in operating revenues by 1.4% compared to the previous year. However, the company experienced a decline in operating profit, ordinary profit, and profit attributable to owners of the parent, with decreases of 17.4%, 18.6%, and 13.2% respectively. Despite these declines, the company’s equity-to-asset ratio improved to 7.6% from 6.5% as of March 31, 2025, indicating a stronger financial position. The company maintained its dividend forecast and plans to distribute dividends totaling 200 yen per share for the fiscal year ending March 31, 2026.

JACCS Announces Executive Personnel Change

JACCS CO., LTD. has announced a change in its executive personnel, with Tetsunori Yasuda being appointed as the Executive Officer and General Manager of the Card Promotion Department, effective October 1, 2025. This strategic move, resolved at the Board of Directors meeting, is expected to impact the company’s operations by potentially enhancing its market positioning and operational efficiency.

JACCS Completes Third-Party Share Allotment to MUFG Bank

JACCS CO., LTD. has completed the payment procedure for issuing new shares through a third-party allotment, a decision made in board meetings earlier this year. This issuance involves 9,980,831 common shares allocated to MUFG Bank, Ltd., raising approximately JPY 39 billion, which will significantly increase the company’s capital and the total number of issued shares, potentially enhancing its market position and financial flexibility.