Jaccs Co., Ltd. (JP:8584)
:8584
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Jaccs Co., Ltd.
(8584)
Select Model
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Rating:67Neutral
Price Target:
¥4,807.00
▲(10.89% Upside)
Action:ReiteratedDate: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.
Negative Factors
High Leverage
High leverage increases financial risk, especially in volatile markets, potentially impacting long-term financial stability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term business expansion.
Read all positive factors
Jaccs Co., Ltd. (8584) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥185.85B
Dividend Yield4.42%
Average Volume (3M)74.86K
Price to Earnings (P/E)9.9
Beta (1Y)0.85
Revenue Growth2.13%
EPS Growth-25.62%
CountryJP
Employees6,097
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)104.86
Shares Outstanding45,059,994
10 Day Avg. Volume62,820
30 Day Avg. Volume74,856
Financial Highlights & Ratios
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)402.3
Revenue Forecast (FY)¥191.00B
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, motor...
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 cr...
Jaccs Co., Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 192.22B | 192.06B | 186.04B | 173.76B | 164.20B | 160.86B |
| Gross Profit | 167.72B | 167.24B | 160.75B | 150.42B | 139.80B | 136.17B |
| EBITDA | 59.38B | 60.34B | 64.08B | 55.63B | 48.74B | 38.28B |
| 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
Neutral
4335.00
Price Trends
4252.60
Negative
4219.75
Negative
4150.23
Positive
Market Momentum
-41.51
Negative
47.94
Neutral
72.19
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8584, the sentiment is Neutral. The current price of 4335 is above the 20-day moving average (MA) of 4179.50, above the 50-day MA of 4252.60, and above the 200-day MA of 4150.23, indicating a neutral trend. The MACD of -41.51 indicates Negative momentum. The RSI at 47.94 is Neutral, neither overbought nor oversold. The STOCH value of 72.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8584.
Jaccs Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥657.22B | 7.04 | 9.13% | 2.79% | 20.96% | 22.58% | |
69 Neutral | ¥750.56B | 10.93 | 7.97% | 3.48% | 6.65% | -4.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥185.85B | 9.94 | ― | 4.42% | 2.13% | -25.62% | |
66 Neutral | ¥341.67B | 14.65 | 3.46% | 3.04% | 10.31% | -40.64% | |
61 Neutral | ¥559.48B | 21.83 | 11.30% | 3.66% | 8.02% | 19.35% | |
56 Neutral | ¥221.05B | 6.81 | 13.08% | 1.25% | 15.37% | 26.00% |
* Financial Sector Average
JP:8584
Jaccs Co., Ltd.
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240.94
6.14%
JP:8572
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Jaccs Co., Ltd. Corporate Events
JACCS to Enter Singapore Auto Finance Market with 49% Stake in Car Times Capital
Feb 5, 2026
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 ex...
JACCS Posts Higher Revenue but Lower Profit, Boosts Dividend as Capital Base Strengthens
Feb 5, 2026
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 pa...
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.