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

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

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JP

Jaccs Co., Ltd.

(8584)

Rating:75Outperform
Price Target:
¥4,365.00
▲(7.12%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 consumer credit services. Operating in the financial services sector, Jaccs offers a range of products including credit cards, personal loans, and installment sales finance. The company also provides credit guarantee services and insurance, catering to both individual consumers and businesses.
How the Company Makes MoneyJaccs Co., Ltd. generates revenue through a diversified financial services model. Key revenue streams include interest income from personal loans and credit card balances, fees from installment sales finance, and commissions from credit guarantee services. The company also earns through partnerships with retailers and financial institutions, where it provides financing solutions that facilitate consumer purchases and manage credit risk. Additionally, Jaccs benefits from insurance premium income, adding a layer of financial protection services to its offerings.

Jaccs Co., Ltd. Financial Statement Overview

Summary
Income Statement
Balance Sheet
Cash Flow
Breakdown
TTMMar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income StatementTotal Revenue
190.16B184.78B173.50B164.07B160.65B158.61B
Gross Profit
163.26B164.18B157.84B149.69B143.80B144.00B
EBIT
66.54B33.13B31.68B26.74B16.33B16.51B
EBITDA
58.68B44.59B42.10B37.38B26.28B25.98B
Net Income Common Stockholders
21.77B23.77B21.65B18.32B11.78B10.73B
Balance SheetCash, Cash Equivalents and Short-Term Investments
132.74B187.61B295.27B283.12B252.23B229.10B
Total Assets
3.81T3.78T3.58T4.83T4.48T4.23T
Total Debt
2.96T2.89T2.75T2.49T2.30T2.13T
Net Debt
2.82T2.71T2.59T2.35T2.18T2.03T
Total Liabilities
3.56T3.54T3.37T4.64T4.31T4.07T
Stockholders Equity
242.03B230.60B204.25B186.84B170.14B157.07B
Cash FlowFree Cash Flow
0.00-106.69B-223.55B-160.19B-150.71B-319.90B
Operating Cash Flow
0.00-98.02B-214.00B-152.02B-141.11B-308.47B
Investing Cash Flow
0.00-6.26B-8.16B-7.31B-8.82B-11.87B
Financing Cash Flow
0.00129.02B246.06B186.12B164.87B326.48B

Jaccs Co., Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price4075.00
Price Trends
50DMA
3776.04
Positive
100DMA
3778.69
Positive
200DMA
3756.02
Positive
Market Momentum
MACD
84.44
Negative
RSI
62.49
Neutral
STOCH
82.00
Negative
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 4075 is above the 20-day moving average (MA) of 3917.75, above the 50-day MA of 3776.04, and above the 200-day MA of 3756.02, indicating a bullish trend. The MACD of 84.44 indicates Negative momentum. The RSI at 62.49 is Neutral, neither overbought nor oversold. The STOCH value of 82.00 is Negative, 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 (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
¥140.12B7.55
4.70%3.24%-21.76%
75
Outperform
€652.49B20.314.89%3.43%7.81%-39.49%
74
Outperform
$633.00B9.579.28%4.00%17.27%-5.74%
73
Outperform
¥280.91B14.344.16%3.85%9.27%-6.56%
68
Neutral
€198.32B8.7410.80%0.25%10.29%4.09%
64
Neutral
$12.77B9.777.59%16985.66%12.31%-7.69%
63
Neutral
¥159.98B10.22
3.45%1.24%38.84%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8584
Jaccs Co., Ltd.
4,025.00
-558.28
-12.18%
JP:8566
Ricoh Leasing Company,Ltd.
5,220.00
314.34
6.41%
JP:8572
ACOM Co
416.40
42.74
11.44%
JP:8515
Aiful Corporation
410.00
21.06
5.41%
JP:8253
Credit Saison Co
4,136.00
866.57
26.51%
JP:8570
AEON Financial Service Co
1,297.50
56.67
4.57%

Jaccs Co., Ltd. Corporate Events

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.

Jaccs Co., Ltd. Restructures Leadership to Drive Growth
Mar 14, 2025

Jaccs Co., Ltd. announced a significant restructuring of its leadership team as part of its new Three-Year Medium-Term Business Plan. The company will consolidate decision-making authority under the President to enable faster management decisions, abolishing the roles of CEO, COO, and CFO. This change is intended to support the company’s growth strategies and business structural reforms with a focus on medium to long-term objectives.

JACCS Co., Ltd. Unveils New Medium-Term Business Plan for Growth and Restructuring
Mar 14, 2025

JACCS Co., Ltd. has announced a new three-year medium-term business plan starting in FY2025, aimed at restructuring and returning to growth following challenges such as rising interest rates and market slumps in Vietnam and Indonesia. The plan, named ‘Do next!’, focuses on collaboration with MUFG Bank, Ltd., and includes strategies for growth acceleration, business restructuring, and financial soundness, with an emphasis on enhancing corporate value and shareholder returns.

JACCS Co., Ltd. Forms Strategic Alliance with MUFG Bank
Mar 14, 2025

JACCS Co., Ltd. has announced a capital and business alliance with MUFG Bank, a subsidiary of Mitsubishi UFJ Financial Group, to issue new shares through third-party allotment. This alliance aims to accelerate JACCS’s growth strategies, particularly in environmental fields and overseas businesses, by leveraging MUFG’s customer base and financial solutions. The agreement includes strengthening group collaboration, exploring new fields, and promoting efficiency and digital transformation, with implications for enhancing JACCS’s market position and operational capabilities.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.