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Jaccs Co., Ltd. (JP:8584)
:8584
Japanese Market
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Jaccs Co., Ltd. (8584) AI Stock Analysis

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JP:8584

Jaccs Co., Ltd.

(8584)

Rating:75Outperform
Price Target:
¥4,365.00
▲(5.82%Upside)
Jaccs Co., Ltd. benefits from strong technical momentum and attractive valuation, making it an appealing investment opportunity. However, financial performance shows high leverage and cash flow issues that require attention. Investors should weigh these factors when considering this stock.

Jaccs Co., Ltd. (8584) vs. iShares MSCI Japan ETF (EWJ)

Jaccs Co., Ltd. Business Overview & Revenue Model

Company DescriptionJaccs Co., Ltd. (8584) is a Japan-based company primarily engaged in the provision of credit and financial services. The company's core operations include credit card services, credit guarantee services, and financing services. Jaccs also offers installment sales finance and leasing services, catering to both individual and corporate clients. Through its diverse range of financial products, Jaccs plays a significant role in facilitating consumer finance and supporting economic activity in Japan and other Asian markets.
How the Company Makes MoneyJaccs Co., Ltd. generates revenue primarily through its credit card services, which include fees from cardholders and merchants. Additionally, the company earns from interest and fees associated with its financing services, such as installment sales finance and personal loans. The credit guarantee segment also contributes to its income by charging guarantee fees for loans provided by partner financial institutions. Moreover, Jaccs benefits from strategic partnerships with retail and financial companies, enhancing its reach and customer base across Japan and parts of Asia. These diversified income streams ensure a stable and sustainable revenue model.

Jaccs Co., Ltd. Financial Statement Overview

Summary
Jaccs Co., Ltd. shows strong revenue growth and profitability in its income statement. However, margins have experienced pressure, and the company faces high leverage and cash flow challenges. Addressing these issues is crucial for maintaining financial health.
Income Statement
75
Positive
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
70
Positive
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
60
Neutral
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.
BreakdownTTMMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue190.16B192.06B184.78B173.50B164.07B160.65B
Gross Profit163.26B178.46B164.18B157.84B149.69B143.80B
EBITDA58.68B60.70B44.59B42.10B37.38B26.28B
Net Income21.77B18.62B23.77B21.65B18.32B11.78B
Balance Sheet
Total Assets3.81T3.81T3.78T3.58T4.83T4.48T
Cash, Cash Equivalents and Short-Term Investments132.74B174.71B187.61B295.27B283.12B252.23B
Total Debt2.96T2.95T2.89T2.75T2.49T2.30T
Total Liabilities3.56T3.55T3.54T3.37T4.64T4.31T
Stockholders Equity242.03B248.40B230.60B204.25B186.84B170.14B
Cash Flow
Free Cash Flow0.00-54.19B-106.69B-223.55B-160.19B-150.71B
Operating Cash Flow0.00-45.17B-98.02B-214.00B-152.02B-141.11B
Investing Cash Flow0.00-7.45B-6.26B-8.16B-7.31B-8.82B
Financing Cash Flow0.0039.74B129.02B246.06B186.12B164.87B

Jaccs Co., Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price4125.00
Price Trends
50DMA
3983.10
Positive
100DMA
3872.82
Positive
200DMA
3793.66
Positive
Market Momentum
MACD
47.79
Positive
RSI
62.69
Neutral
STOCH
46.24
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 4125 is above the 20-day moving average (MA) of 4078.00, above the 50-day MA of 3983.10, and above the 200-day MA of 3793.66, indicating a bullish trend. The MACD of 47.79 indicates Positive momentum. The RSI at 62.69 is Neutral, neither overbought nor oversold. The STOCH value of 46.24 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
¥143.41B7.69
4.35%3.24%-21.75%
75
Outperform
€668.94B20.824.89%3.28%7.81%-39.49%
74
Outperform
¥625.34B9.469.28%3.00%17.11%-6.27%
73
Outperform
¥284.79B14.594.16%4.02%9.27%-6.56%
71
Outperform
€211.38B9.3210.80%0.23%15.91%4.09%
68
Neutral
¥760.77B10.937.55%3.20%7.81%14.63%
61
Neutral
¥165.53B10.57
3.35%1.24%38.84%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8584
Jaccs Co., Ltd.
4,140.00
-341.29
-7.62%
JP:8566
Ricoh Leasing Company,Ltd.
5,400.00
266.79
5.20%
JP:8572
ACOM Co
430.70
24.62
6.06%
JP:8515
Aiful Corporation
439.00
65.02
17.39%
JP:8253
Credit Saison Co
4,000.00
752.90
23.19%
JP:8570
AEON Financial Service Co
1,342.00
96.37
7.74%

Jaccs Co., Ltd. Corporate Events

JACCS CO., LTD. Announces Disposal of Treasury Shares for Executive Incentives
Jul 11, 2025

JACCS CO., LTD. announced a resolution to dispose of 10,200 treasury shares as part of a restricted share-based remuneration plan for its directors and senior executive officers. This move aims to align the interests of the company’s management with its shareholders by incentivizing sustainable corporate value growth. The plan includes specific conditions and restrictions on the shares, ensuring that they cannot be transferred or disposed of for a predetermined period, thus promoting long-term commitment from the company’s leadership.

JACCS Co., Ltd. Announces Treasury Share Disposal for Performance-Based Remuneration
Jul 11, 2025

JACCS Co., Ltd. has announced the disposal of 5,209 treasury shares as part of a performance-linked share-based remuneration plan. This initiative aims to incentivize directors and senior executive officers to enhance corporate value and align their interests with shareholders. The disposal, which represents a small fraction of the total shares, is structured to reward eligible directors based on the achievement of performance targets set in the company’s medium-term management plan.

JACCS Adjusts Payment Period for Share Issuance in MUFG Alliance
Jun 24, 2025

JACCS Co., Ltd. has announced changes to the payment period for its issuance of new shares through a third-party allotment to MUFG Bank, a subsidiary of Mitsubishi UFJ Financial Group. This adjustment was necessary due to delays in obtaining the required permissions and approvals under foreign competition laws. Despite the change in the payment period, the terms and conditions of the share issuance, including the issue price, remain unchanged. The move is part of a broader capital and business alliance with MUFG Bank, aimed at strengthening JACCS’s strategic positioning in the financial market.

JACCS Co., Ltd. Strengthens Alliance with MUFG Bank
Jun 13, 2025

JACCS Co., Ltd. has announced a capital and business alliance agreement with MUFG Bank, aiming to strengthen its ties within the MUFG Group. This strategic move involves a capital increase through third-party allotment, enhancing JACCS’s position in the retail sector while maintaining its independence in consumer credit operations.

JACCS Co., Ltd. Announces Dividend Increase Amid Strong Performance
May 15, 2025

JACCS Co., Ltd. announced an increase in its year-end dividend for the fiscal year ending March 31, 2025, raising the dividend per share from the previously forecasted ¥90 to ¥100. This decision reflects the company’s commitment to strengthening shareholder returns and its improved business performance, which exceeded earlier financial forecasts.

JACCS Co., Ltd. Reports Fiscal Year 2025 Financial Results and Announces Strategic Alliance
May 15, 2025

JACCS Co., Ltd. reported its consolidated financial results for the fiscal year ending March 31, 2025, showing a slight increase in operating revenues but a significant decline in profits compared to the previous year. The company announced a dividend increase and plans to issue new shares as part of a capital and business alliance with MUFG Bank, Ltd., which may impact its financial positioning and shareholder value.

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.Date of analysis: May 27, 2025