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

• Market Cap: ¥143.41B
• Dividend Yield: 4.35%
• Average Volume (3M): 80.36K
• Price to Earnings (P/E): 7.7
• Beta (1Y): 0.89
• Revenue Growth: 3.24%
• EPS Growth: -21.75%
• Country: JP
• Employees: 6,097
• Sector: Financial
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): 70.88
• Shares Outstanding: 35,079,160
• 10 Day Avg. Volume: 56,210
• 30 Day Avg. Volume: 80,356
• PEG Ratio: 0.30
• Price to Book (P/B): 0.40
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.20
• 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: ¥4,365.00
• Price Target Upside: 5.82% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• 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. Business Overview & Revenue Model

Company Description

Jaccs 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 Money

Jaccs 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

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	190.16B	192.06B	184.78B	173.50B	164.07B	160.65B
Gross Profit	163.26B	178.46B	164.18B	157.84B	149.69B	143.80B
EBITDA	58.68B	60.70B	44.59B	42.10B	37.38B	26.28B
Net Income	21.77B	18.62B	23.77B	21.65B	18.32B	11.78B
Balance Sheet
Total Assets	3.81T	3.81T	3.78T	3.58T	4.83T	4.48T
Cash, Cash Equivalents and Short-Term Investments	132.74B	174.71B	187.61B	295.27B	283.12B	252.23B
Total Debt	2.96T	2.95T	2.89T	2.75T	2.49T	2.30T
Total Liabilities	3.56T	3.55T	3.54T	3.37T	4.64T	4.31T
Stockholders Equity	242.03B	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: 4125.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8584	75 Outperform	¥143.41B	7.69		4.35%	3.24%	-21.75%
8572	75 Outperform	€668.94B	20.82	4.89%	3.28%	7.81%	-39.49%
8253	74 Outperform	¥625.34B	9.46	9.28%	3.00%	17.11%	-6.27%
8570	73 Outperform	¥284.79B	14.59	4.16%	4.02%	9.27%	-6.56%
8515	71 Outperform	€211.38B	9.32	10.80%	0.23%	15.91%	4.09%
Sector *	68 Neutral	¥760.77B	10.93	7.55%	3.20%	7.81%	14.63%
8566	61 Neutral	¥165.53B	10.57		3.35%	1.24%	38.84%

Jaccs Co., Ltd. Corporate Events

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

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

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

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

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

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

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.