Want to see JP:8584 full AI Analyst Report?
Top Page
Jaccs Co., Ltd.
(8584)
Select Model
Select Model
Rating:59Neutral
Price Target:
¥3,887.00
▼(-10.33% Downside)
Action:Reiterated
Date:08/19/26
The score is driven primarily by financial risk: strong operating performance is meaningfully constrained by very high leverage and a history of inconsistent cash flow (despite improvement in 2026). Valuation is a key positive with a low P/E and high dividend yield, while technical indicators are broadly neutral with mixed trend signals.
Positive Factors
Steady Revenue and Operating Profitability
Sustained revenue growth alongside strong operating margins indicates an established franchise with pricing and operating discipline. This supports recurring earnings capacity, although recent modest growth means future expansion may depend on continued transaction and financing demand.
Negative Factors
Very High Leverage
The highly leveraged capital structure limits financial flexibility and leaves results sensitive to funding costs, refinancing conditions, and credit-cycle stress. Even with improved equity, the debt burden remains the company’s central structural risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady Revenue and Operating Profitability
Sustained revenue growth alongside strong operating margins indicates an established franchise with pricing and operating discipline. This supports recurring earnings capacity, although recent modest growth means future expansion may depend on continued transaction and financing demand.
Read all positive factors
Jaccs Co., Ltd. (8584) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥167.78B
Dividend Yield5.28%
Average Volume (3M)74.86K
Price to Earnings (P/E)10.4
Beta (1Y)0.68
Revenue Growth1.92%
EPS Growth-26.04%
CountryJP
Employees5,532
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)396.42
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)0.86
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 leading consumer finance corporation with a presence across Japan and international markets. The company provides a diverse range of financial services, including flexible payment and installment options for significa...
How the Company Makes Money
JACCS makes money primarily by providing financing and payment services and earning income tied to those credit products. Key revenue streams typically include: (1) Interest income from consumer and retail-related loans/credit (for example, instal...
Jaccs Co., Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
38
Negative
Cash Flow
46
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 186.70B | 190.76B | 184.78B | 173.51B | 164.07B |
| Gross Profit | 160.76B | 165.93B | 164.19B | 157.84B | 149.69B |
| EBITDA | 31.95B | 36.95B | 44.59B | 42.10B | 37.38B |
| Net Income | 15.31B | 18.62B | 23.77B | 21.65B | 18.32B |
Balance Sheet | |||||
| Total Assets | 3.75T | 3.81T | 3.78T | 3.58T | 4.83T |
| Cash, Cash Equivalents and Short-Term Investments | 144.84B | 284.98B | 309.51B | 162.35B | 138.79B |
| Total Debt | 2.87T | 2.95T | 2.89T | 2.75T | 2.49T |
| Total Liabilities | 3.45T | 3.55T | 3.54T | 3.37T | 4.64T |
| Stockholders Equity | 296.74B | 248.40B | 230.60B | 204.25B | 186.84B |
Cash Flow | |||||
| Free Cash Flow | 12.10B | -54.19B | -106.69B | -223.55B | -160.19B |
| Operating Cash Flow | 23.14B | -45.17B | -98.02B | -214.00B | -152.02B |
| Investing Cash Flow | -12.23B | -7.45B | -6.26B | -8.16B | -7.31B |
| Financing Cash Flow | -41.16B | 39.74B | 129.02B | 246.06B | 186.12B |
Jaccs Co., Ltd. Technical Analysis
Positive
4335.00
Price Trends
3656.80
Positive
3757.80
Positive
3931.14
Negative
Market Momentum
23.65
Positive
57.26
Neutral
73.87
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 4335 is above the 20-day moving average (MA) of 3738.00, above the 50-day MA of 3656.80, and above the 200-day MA of 3931.14, indicating a neutral trend. The MACD of 23.65 indicates Positive momentum. The RSI at 57.26 is Neutral, neither overbought nor oversold. The STOCH value of 73.87 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ¥757.30B | 11.84 | 11.50% | 3.48% | 6.57% | 22.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥365.84B | 14.40 | 5.51% | 3.35% | 8.42% | 84.66% | |
64 Neutral | ¥675.37B | 9.79 | 8.64% | 2.83% | 10.50% | 8.52% | |
64 Neutral | ¥534.53B | 18.15 | 11.68% | 4.38% | 7.53% | 6.62% | |
59 Neutral | ¥167.78B | 10.44 | ― | 4.42% | 1.92% | -26.04% |
* Financial Sector Average
JP:8584
Jaccs Co., Ltd.
3,785.00
-278.55
-6.85%
JP:8572
ACOM Co
488.80
41.86
9.37%
JP:8570
AEON Financial Service Co
1,714.50
240.57
16.32%
JP:8253
Credit Saison Co
4,657.00
998.54
27.29%
JP:8252
Marui Group Co
2,989.50
-135.70
-4.34%
Jaccs Co., Ltd. Corporate Events
JACCS Completes Treasury Share Disposal for Executive Restricted Stock Compensation
Aug 6, 2026
JACCS Co., Ltd. has completed payment procedures for the disposal of 10,200 treasury shares to be used as restricted share-based remuneration for its management team. The shares, valued at ¥3,655 each for a total of ¥37,281,000, were all...
JACCS Posts Higher Revenue but Lower Profit, Keeps Dividend Steady as Earnings Outlook Weakens
Aug 6, 2026
JACCS Co., Ltd. reported a 3.3% year-on-year increase in operating revenue to ¥49.28 billion for the three months ended June 30, 2026, but saw declines in profitability, with operating profit down 4.1% and profit attributable to owners of par...
JACCS to Grant Restricted Treasury Shares to Executives as Long-Term Incentive
Jul 10, 2026
JACCS Co., Ltd., a Japan-based financial services provider listed on the Prime Market of the Tokyo Stock Exchange, offers consumer credit, financing and payment services that support retail and installment transactions. The company emphasizes gove...
JACCS Details Deepening MUFG Ties While Stressing Operational Independence
Jun 19, 2026
JACCS detailed its relationship with controlling shareholder Mitsubishi UFJ Financial Group, noting that MUFG Bank directly holds 40.18% of its voting rights and serves as the primary entity exerting influence over the company. The firm emphasized...
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.