Jaccs Co., Ltd. (JP:8584)
:8584
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Jaccs Co., Ltd.
(8584)
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Rating:56Neutral
Price Target:
¥3,600.00
▼(-16.96% Downside)
Action:Reiterated
Date:05/19/26
The score is held back mainly by financial risk from very high leverage and historically inconsistent cash generation, plus a bearish technical setup with weak momentum and the price below major moving averages. Offsetting these risks, the stock screens attractively on valuation with a low P/E and a high dividend yield.
Positive Factors
Consistent Revenue Growth
Steady five-year revenue growth from 160.9B to 194.3B indicates durable demand for point-of-sale credit and payment services. Persistent top-line expansion supports scale economics, merchant network strength, and recurring fee income that underpins medium-term earnings potential.
Negative Factors
Very High Leverage
Extremely elevated leverage (debt ~2.87T vs equity ~297B) sharply limits financial flexibility. The capital structure heightens sensitivity to funding cost increases and credit-cycle shocks, constrains strategic options, and raises the risk that earnings volatility could rapidly erode capital buffers.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Steady five-year revenue growth from 160.9B to 194.3B indicates durable demand for point-of-sale credit and payment services. Persistent top-line expansion supports scale economics, merchant network strength, and recurring fee income that underpins medium-term earnings potential.
Read all positive factors
Jaccs Co., Ltd. (8584) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥154.84B
Dividend Yield4.42%
Average Volume (3M)74.86K
Price to Earnings (P/E)39.6
Beta (1Y)0.84
Revenue Growth1.18%
EPS Growth-28.29%
CountryJP
Employees6,097
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)489.16
Shares Outstanding45,059,994
10 Day Avg. Volume62,820
30 Day Avg. Volume74,856
Financial Highlights & Ratios
PEG Ratio-0.36
Price to Book (P/B)0.54
Price to Sales (P/S)0.83
P/FCF Ratio13.33
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)402.1
Revenue Forecast (FY)¥205.50B
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 primarily makes money by originating and servicing consumer credit. Key revenue streams typically include (1) interest income from consumer loans and installment receivables, where the company earns a spread between the interest charged to c...
Jaccs Co., Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
38
Negative
Cash Flow
46
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 192.22B | 194.33B | 192.06B | 186.04B | 173.76B | 164.20B |
| Gross Profit | 167.72B | 168.39B | 167.24B | 160.75B | 150.42B | 139.80B |
| EBITDA | 59.38B | 62.48B | 60.34B | 64.08B | 55.63B | 48.74B |
| Net Income | 17.02B | 15.31B | 18.62B | 23.77B | 21.65B | 18.32B |
Balance Sheet | ||||||
| Total Assets | 3.83T | 3.75T | 3.81T | 3.78T | 3.58T | 4.83T |
| Cash, Cash Equivalents and Short-Term Investments | 108.23B | 144.84B | 284.98B | 309.51B | 162.35B | 138.79B |
| Total Debt | 2.98T | 2.87T | 2.95T | 2.89T | 2.75T | 2.49T |
| Total Liabilities | 3.58T | 3.45T | 3.55T | 3.54T | 3.37T | 4.64T |
| Stockholders Equity | 248.12B | 296.74B | 248.40B | 230.60B | 204.25B | 186.84B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 12.10B | -54.19B | -106.69B | -223.55B | -160.19B |
| Operating Cash Flow | 0.00 | 23.14B | -45.17B | -98.02B | -214.00B | -152.02B |
| Investing Cash Flow | 0.00 | -12.23B | -7.45B | -6.26B | -8.16B | -7.31B |
| Financing Cash Flow | 0.00 | -41.16B | 39.74B | 129.02B | 246.06B | 186.12B |
Jaccs Co., Ltd. Technical Analysis
Negative
4335.00
Price Trends
3952.17
Negative
4074.07
Negative
4061.79
Negative
Market Momentum
-163.30
Positive
30.16
Neutral
13.77
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8584, the sentiment is Negative. The current price of 4335 is above the 20-day moving average (MA) of 3774.50, above the 50-day MA of 3952.17, and above the 200-day MA of 4061.79, indicating a bearish trend. The MACD of -163.30 indicates Positive momentum. The RSI at 30.16 is Neutral, neither overbought nor oversold. The STOCH value of 13.77 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥545.37B | 9.36 | 9.13% | 2.79% | 11.14% | 1.90% | |
63 Neutral | ¥730.36B | 9.20 | 7.97% | 3.48% | 6.29% | 147.90% | |
61 Neutral | ¥327.64B | 15.45 | 3.46% | 3.04% | 7.13% | 34.82% | |
60 Neutral | ¥486.79B | 17.22 | 11.30% | 3.66% | 8.83% | 10.44% | |
56 Neutral | ¥154.84B | 39.58 | ― | 4.42% | 1.18% | -28.29% |
* Financial Sector Average
JP:8584
Jaccs Co., Ltd.
3,490.00
-382.77
-9.88%
JP:8572
ACOM Co
467.50
70.05
17.62%
JP:8570
AEON Financial Service Co
1,510.00
263.50
21.14%
JP:8253
Credit Saison Co
4,093.00
232.96
6.04%
JP:8252
Marui Group Co
2,728.00
-156.36
-5.42%
Jaccs Co., Ltd. Corporate Events
JACCS Reshapes Top Management and Subsidiary Leadership to Bolster Governance
May 15, 2026
JACCS CO., LTD. has announced a series of senior management changes effective June 25, 2026, reshuffling responsibilities among directors and executive officers across credit screening, credit management, compliance, and risk supervision. The reor...
JACCS Books ¥4.8 Billion Extraordinary Loss on Overseas Units, Non-Consolidated Profit Drops 37%
May 15, 2026
JACCS Co. has booked an extraordinary loss of ¥4,772 million in its non-consolidated results for the year ended March 31, 2026, after an impairment review found a significant decline in the value of shares in its Indonesian and Philippine fin...
JACCS Cuts FY2026 Targets, Withdraws FY2027 Outlook but Holds Dividend Policy
May 15, 2026
JACCS Co., Ltd. has revised its three-year medium-term business plan, cutting its FY2026 operating revenue and profit targets and withdrawing numerical guidance for FY2027 after recognizing a growing gap between previous goals and current forecast...
JACCS Posts Profit Decline but Boosts Dividend as Equity Base Strengthens
May 15, 2026
JACCS reported operating revenue of ¥192.3 billion for the year ended March 31, 2026, up 0.7% year on year, while operating profit fell 20.7% to ¥20.4 billion and profit attributable to owners of parent declined 17.8% to ¥15.3 billi...
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.