Declared Dividend • Jun 12
Final dividend of JP¥25.00 announced Dividend of JP¥25.00 is the same as last year. Ex-date: 28th August 2026 Payment date: 16th November 2026 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to grow by 56% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Announcement • May 26
AEON Financial Service Co., Ltd. to Report Q1, 2027 Results on Jul 09, 2026 AEON Financial Service Co., Ltd. announced that they will report Q1, 2027 results on Jul 09, 2026 Major Estimate Revision • Apr 17
Consensus EPS estimates fall by 37%, revenue upgraded The consensus outlook for fiscal year 2027 has been updated. 2027 revenue forecast increased from JP¥589.8b to JP¥603.2b. EPS estimate fell from JP¥133 to JP¥83.60 per share. Net income forecast to grow 20% next year vs 7.4% growth forecast for Consumer Finance industry in Japan. Consensus price target broadly unchanged at JP¥1,576. Share price rose 2.9% to JP¥1,568 over the past week. Reported Earnings • Apr 14
Full year 2026 earnings: EPS misses analyst expectations Full year 2026 results: EPS: JP¥97.70 (up from JP¥90.45 in FY 2025). Revenue: JP¥510.9b (up 5.4% from FY 2025). Net income: JP¥21.1b (up 8.0% from FY 2025). Profit margin: 4.1% (up from 4.0% in FY 2025). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 7.2%. Revenue is forecast to grow 8.3% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Consumer Finance industry in Japan. Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has increased by 9% per year, which means it is well ahead of earnings. Announcement • Apr 08
AEON Financial Service Co., Ltd., Annual General Meeting, May 22, 2026 AEON Financial Service Co., Ltd., Annual General Meeting, May 22, 2026. Announcement • Mar 03
AEON Financial Service Co., Ltd. to Report Fiscal Year 2026 Results on Apr 08, 2026 AEON Financial Service Co., Ltd. announced that they will report fiscal year 2026 results on Apr 08, 2026 Upcoming Dividend • Feb 19
Upcoming dividend of JP¥28.00 per share Eligible shareholders must have bought the stock before 26 February 2026. Payment date: 08 May 2026. Trailing yield: 2.9%. Lower than top quartile of Japanese dividend payers (3.4%). Lower than average of industry peers (3.4%). Buy Or Sell Opportunity • Jan 28
Now 21% undervalued Over the last 90 days, the stock has risen 9.1% to JP¥1,652. The fair value is estimated to be JP¥2,088, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.3% over the last 3 years. Earnings per share has declined by 13%. For the next 3 years, revenue is forecast to grow by 6.9% per annum. Earnings are also forecast to grow by 20% per annum over the same time period. Reported Earnings • Jan 10
Third quarter 2026 earnings: EPS and revenues exceed analyst expectations Third quarter 2026 results: EPS: JP¥26.41 (up from JP¥16.44 in 3Q 2025). Revenue: JP¥125.8b (up 4.7% from 3Q 2025). Net income: JP¥5.70b (up 61% from 3Q 2025). Profit margin: 4.5% (up from 3.0% in 3Q 2025). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.1%. Earnings per share (EPS) also surpassed analyst estimates by 17%. Revenue is forecast to grow 7.8% p.a. on average during the next 3 years, compared to a 5.2% growth forecast for the Consumer Finance industry in Japan. Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings. Announcement • Jan 08
AEON Financial Service Co., Ltd. Announces Interim Cash Dividend for the Second Quarter of Fiscal Year Ending February 28, 2026 AEON Financial Service Co., Ltd. announced interim cash dividend for the second quarter of fiscal year ending February 28, 2026. The company announced dividend of JPY 25.00 per share compared to JPY 25.00 per share a year ago. Announcement • Dec 08
AEON Financial Service Co., Ltd. to Report Q3, 2026 Results on Jan 08, 2026 AEON Financial Service Co., Ltd. announced that they will report Q3, 2026 results on Jan 08, 2026 Declared Dividend • Nov 15
First half dividend of JP¥28.00 announced Dividend of JP¥28.00 is the same as last year. Ex-date: 26th February 2026 Payment date: 8th May 2026 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to grow by 84% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Price Target Changed • Oct 31
Price target increased by 8.3% to JP¥1,416 Up from JP¥1,307, the current price target is an average from 8 analysts. New target price is 6.1% below last closing price of JP¥1,508. Stock is up 22% over the past year. The company is forecast to post earnings per share of JP¥106 for next year compared to JP¥90.45 last year. Buy Or Sell Opportunity • Oct 29
Now 20% undervalued Over the last 90 days, the stock has risen 10% to JP¥1,499. The fair value is estimated to be JP¥1,878, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.1% over the last 3 years. Earnings per share has declined by 16%. For the next 3 years, revenue is forecast to grow by 7.5% per annum. Earnings are also forecast to grow by 22% per annum over the same time period. Reported Earnings • Oct 11
Second quarter 2026 earnings: Revenues exceed analysts expectations while EPS lags behind Second quarter 2026 results: EPS: JP¥20.33 (up from JP¥19.14 in 2Q 2025). Revenue: JP¥114.0b (flat on 2Q 2025). Net income: JP¥4.39b (up 6.2% from 2Q 2025). Profit margin: 3.8% (up from 3.6% in 2Q 2025). Revenue exceeded analyst estimates by 5.0%. Earnings per share (EPS) missed analyst estimates by 34%. Revenue is forecast to grow 7.2% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Consumer Finance industry in Japan. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has remained flat, which means it is well ahead of earnings. Buy Or Sell Opportunity • Oct 01
Now 21% undervalued Over the last 90 days, the stock has risen 7.0% to JP¥1,459. The fair value is estimated to be JP¥1,849, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.6% over the last 3 years. Earnings per share has declined by 16%. For the next 3 years, revenue is forecast to grow by 6.8% per annum. Earnings are also forecast to grow by 21% per annum over the same time period. Price Target Changed • Sep 12
Price target increased by 7.0% to JP¥1,307 Up from JP¥1,221, the current price target is an average from 7 analysts. New target price is 15% below last closing price of JP¥1,540. Stock is up 24% over the past year. The company is forecast to post earnings per share of JP¥105 for next year compared to JP¥90.45 last year. Buy Or Sell Opportunity • Sep 09
Now 20% undervalued Over the last 90 days, the stock has risen 21% to JP¥1,536. The fair value is estimated to be JP¥1,928, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.6% over the last 3 years. Earnings per share has declined by 16%. For the next 3 years, revenue is forecast to grow by 6.9% per annum. Earnings are also forecast to grow by 21% per annum over the same time period. Announcement • Sep 01
AEON Financial Service Co., Ltd. to Report Q2, 2026 Results on Oct 09, 2025 AEON Financial Service Co., Ltd. announced that they will report Q2, 2026 results on Oct 09, 2025 Upcoming Dividend • Aug 21
Upcoming dividend of JP¥25.00 per share Eligible shareholders must have bought the stock before 28 August 2025. Payment date: 14 November 2025. Payout ratio is a comfortable 64% but the company is not cash flow positive. Trailing yield: 3.6%. Lower than top quartile of Japanese dividend payers (3.7%). In line with average of industry peers (3.7%). Reported Earnings • Aug 03
First quarter 2026 earnings: EPS misses analyst expectations First quarter 2026 results: EPS: JP¥20.18 (down from JP¥28.18 in 1Q 2025). Revenue: JP¥125.3b (up 6.9% from 1Q 2025). Net income: JP¥4.36b (down 28% from 1Q 2025). Profit margin: 3.5% (down from 5.2% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 22%. Revenue is forecast to grow 6.6% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Consumer Finance industry in Japan. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has remained flat, which means it is well ahead of earnings. Announcement • Jul 09
AEON Financial Service Co., Ltd. to Report Q1, 2026 Results on Jul 31, 2025 AEON Financial Service Co., Ltd. announced that they will report Q1, 2026 results on Jul 31, 2025 Announcement • Jul 02
Meiji Yasuda Life Insurance Company completed the acquisition of 85.1% stake in AEON Allianz Life Insurance Co., Ltd. from AEON Financial Service Co., Ltd. (TSE:8570). Meiji Yasuda Life Insurance Company agreed to acquire 85.1% stake in AEON Allianz Life Insurance Co., Ltd. from AEON Financial Service Co., Ltd. (TSE:8570) for ¥49.4 billion on March 21, 2025. Date of contract conclusion is March 21, 2025. AEON Allianz Life Insurance has reported Net Worth of ¥6 billion, Total Assets of ¥52.7 billion, Ordinary loss of ¥3.4 billion, net loss of ¥4.7 billion million for Fiscal year ending March 2024. The expected completion of the transaction is July 1, 2025.
Meiji Yasuda Life Insurance Company completed the acquisition of 85.1% stake in AEON Allianz Life Insurance Co., Ltd. from AEON Financial Service Co., Ltd. (TSE:8570) on July 1, 2025. Declared Dividend • Jun 18
Final dividend of JP¥25.00 announced Dividend of JP¥25.00 is the same as last year. Ex-date: 28th August 2025 Payment date: 14th November 2025 Dividend yield will be 4.1%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to grow by 59% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Announcement • May 30
AEON Financial Service Co., Ltd. to Report Q1, 2026 Results on Jul 10, 2025 AEON Financial Service Co., Ltd. announced that they will report Q1, 2026 results on Jul 10, 2025 Announcement • Apr 26
Aeon Co., Ltd. (TSE:8267) completed the acquisition of 42.31% stake in Aeon Delight Co., Ltd. (TSE:9787) from a group of shareholders. Aeon Co., Ltd. (TSE:8267) proposed to acquire 42.31% stake in Aeon Delight Co., Ltd. (TSE:9787) from a group of shareholders for approximately ¥110 billion on February 28, 2025. A cash consideration of ¥109.36 billion valued at ¥5400 per share will be paid by Aeon Co., Ltd. As part of consideration, ¥109.36 billion is paid towards common equity of Aeon Delight Co., Ltd. The transaction is subject to minimum tender. Nomura Securities Co., Ltd. acted as tender offer agent.
Aeon Co., Ltd. (TSE:8267) completed the acquisition of 42.31% stake in Aeon Delight Co., Ltd. (TSE:9787) from a group of shareholders on April 24, 2025. Aeon Co., plans to implement a series of Squeeze-Out Procedures to make Aeon Co., Ltd sole shareholder of Aeon Delight Co., Ltd. Aeon Delight shares are currently listed on the Prime Market of the TSE as of today. However, if the Squeeze-Out Procedures are carried out, Aeon Delight Shares will be delisted through prescribed procedures in accordance with the delisting criteria set out by the TSE. Major Estimate Revision • Apr 18
Consensus EPS estimates fall by 10% The consensus outlook for fiscal year 2026 has been updated. 2026 EPS estimate fell from JP¥129 to JP¥116 per share. Revenue forecast steady at JP¥549.0b. Net income forecast to grow 28% next year vs 7.8% growth forecast for Consumer Finance industry in Japan. Consensus price target broadly unchanged at JP¥1,232. Share price rose 2.0% to JP¥1,142 over the past week. Reported Earnings • Apr 12
Full year 2025 earnings: Revenues exceed analysts expectations while EPS lags behind Full year 2025 results: EPS: JP¥90.45 (down from JP¥96.80 in FY 2024). Revenue: JP¥484.9b (up 5.7% from FY 2024). Net income: JP¥19.5b (down 6.6% from FY 2024). Profit margin: 4.0% (down from 4.6% in FY 2024). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 2.5%. Earnings per share (EPS) missed analyst estimates by 5.8%. Revenue is forecast to grow 7.1% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Consumer Finance industry in Japan. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings. Valuation Update With 7 Day Price Move • Apr 07
Investor sentiment deteriorates as stock falls 16% After last week's 16% share price decline to JP¥1,104, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 10x in the Consumer Finance industry in Japan. Total returns to shareholders of 6.9% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at JP¥2,196 per share. Announcement • Mar 22
Meiji Yasuda Life Insurance Company agreed to acquire 85.1% stake in AEON Allianz Life Insurance Co., Ltd. from AEON Financial Service Co., Ltd. (TSE:8570) for ¥49.4 billion. Meiji Yasuda Life Insurance Company agreed to acquire 85.1% stake in AEON Allianz Life Insurance Co., Ltd. from AEON Financial Service Co., Ltd. (TSE:8570) for ¥49.4 billion on March 21, 2025. Date of contract conclusion is March 21, 2025. AEON Allianz Life Insurance has reported Net Worth of ¥5,953 million, Total Assets of ¥52,688 million, Ordinary Profit of ¥-3,398 million, net income of ¥-4,728 million million for Fiscal year ending March 2024. The expected completion of the transaction is July 1, 2025. Announcement • Mar 05
AEON Financial Service Co., Ltd. to Report Fiscal Year 2025 Results on Apr 10, 2025 AEON Financial Service Co., Ltd. announced that they will report fiscal year 2025 results on Apr 10, 2025 Upcoming Dividend • Feb 20
Upcoming dividend of JP¥28.00 per share Eligible shareholders must have bought the stock before 27 February 2025. Payment date: 09 May 2025. Trailing yield: 4.3%. Within top quartile of Japanese dividend payers (3.8%). Higher than average of industry peers (3.3%). Announcement • Feb 05
AEON Financial Service Co., Ltd. (TSE:8570) completed the acquisition of Post and Telecommunication Finance Company Limited from Southeast Asia Commercial Joint Stock Bank (HOSE:SSB). AEON Financial Service Co., Ltd. (TSE:8570) entered into an equity transfer agreement to acquire Post and Telecommunication Finance Company Limited from Southeast Asia Commercial Joint Stock Bank (HOSE:SSB) for VND 4.3 Trillion on October 20, 2023. After signing the agreement, the two parties will seek relevant authority approvals as well as the State Bank of Vietnam's approval to complete the transfer transaction. The deal has been approved by the board of directors of AEON Financial Service Co., Ltd. The transaction is expected to close in 2024.
AEON Financial Service Co., Ltd. (TSE:8570) completed the acquisition of Post and Telecommunication Finance Company Limited from Southeast Asia Commercial Joint Stock Bank (HOSE:SSB) on February 3, 2025. Announcement • Jan 16
Aeon Financial Service Co. Announces President Changes Aeon Financial Service Co. announced that its President, Kenji Fujita has resigned after subsidiary Aeon Bank received a business improvement order from Japan's Financial Services Agency last month for deficiencies in its measures against money laundering. Aeon Financial Chairman Shunsuke Shirakawa will double as president. The company found it necessary to renew its leadership team to clarify management responsibilities. Fujita voluntarily offered to step down and become a director without the right to represent the company. Announcement • Dec 10
AEON Financial Service Co., Ltd. to Report Q3, 2025 Results on Jan 09, 2025 AEON Financial Service Co., Ltd. announced that they will report Q3, 2025 results on Jan 09, 2025 Declared Dividend • Nov 15
Dividend of JP¥28.00 announced Dividend of JP¥28.00 is the same as last year. Ex-date: 27th February 2025 Payment date: 9th May 2025 Dividend yield will be 4.3%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to grow by 46% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Announcement • Aug 30
AEON Financial Service Co., Ltd. to Report Q2, 2025 Results on Oct 08, 2024 AEON Financial Service Co., Ltd. announced that they will report Q2, 2025 results on Oct 08, 2024 Upcoming Dividend • Aug 22
Upcoming dividend of JP¥25.00 per share Eligible shareholders must have bought the stock before 29 August 2024. Payment date: 14 November 2024. Trailing yield: 3.9%. Within top quartile of Japanese dividend payers (3.7%). Higher than average of industry peers (3.5%). Announcement • Jun 14
AEON Financial Service Co., Ltd. to Report Q1, 2025 Results on Jul 11, 2024 AEON Financial Service Co., Ltd. announced that they will report Q1, 2025 results on Jul 11, 2024 Declared Dividend • Jun 06
Dividend of JP¥25.00 announced Dividend of JP¥25.00 is the same as last year. Ex-date: 29th August 2024 Payment date: 14th November 2024 Dividend yield will be 4.1%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to grow by 61% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Major Estimate Revision • Apr 25
Consensus EPS estimates fall by 12% The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate fell from JP¥116 to JP¥102 per share. Revenue forecast steady at JP¥507.8b. Net income forecast to grow 36% next year vs 23% growth forecast for Consumer Finance industry in Japan. Consensus price target broadly unchanged at JP¥1,371. Share price was steady at JP¥1,298 over the past week. Major Estimate Revision • Apr 16
Consensus EPS estimates fall by 13% The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate fell from JP¥138 to JP¥120 per share. Revenue forecast steady at JP¥504.3b. Net income forecast to grow 44% next year vs 23% growth forecast for Consumer Finance industry in Japan. Consensus price target broadly unchanged at JP¥1,362. Share price fell 11% to JP¥1,285 over the past week. Announcement • Apr 11
AEON Financial Service Co., Ltd., Annual General Meeting, May 24, 2024 AEON Financial Service Co., Ltd., Annual General Meeting, May 24, 2024. Announcement • Feb 28
AEON Financial Service Co., Ltd. to Report Fiscal Year 2024 Results on Apr 09, 2024 AEON Financial Service Co., Ltd. announced that they will report fiscal year 2024 results on Apr 09, 2024 Upcoming Dividend • Feb 21
Upcoming dividend of JP¥28.00 per share Eligible shareholders must have bought the stock before 28 February 2024. Payment date: 09 May 2024. Trailing yield: 4.0%. Within top quartile of Japanese dividend payers (3.3%). Higher than average of industry peers (3.1%). Reported Earnings • Jan 17
Third quarter 2024 earnings: EPS and revenues miss analyst expectations Third quarter 2024 results: EPS: JP¥7.51 (down from JP¥19.38 in 3Q 2023). Revenue: JP¥111.4b (up 7.4% from 3Q 2023). Net income: JP¥1.62b (down 61% from 3Q 2023). Profit margin: 1.5% (down from 4.0% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 5.0%. Earnings per share (EPS) also missed analyst estimates by 81%. Revenue is forecast to grow 5.8% p.a. on average during the next 3 years, compared to a 5.2% growth forecast for the Consumer Finance industry in Japan. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has remained flat, which means it is well ahead of earnings. Announcement • Jan 12
Orient Corporation (TSE:8585) agreed to acquire AEON Product Finance Co., Ltd. from AEON Financial Service Co., Ltd. (TSE:8570) for ¥25 billion. Orient Corporation (TSE:8585) agreed to acquire AEON Product Finance Co., Ltd. from AEON Financial Service Co., Ltd. (TSE:8570) for ¥25 billion on January 11, 2024. As part of acquisition, 39,203,360 shares will be acquired. For period ended February 2023, AEON Product Finance reported net worth of ¥29.8 billion, total assets of ¥348.4 billion, operating revenue of ¥15.7 billion, operating income of ¥1.7 billion and net income of ¥1.1 billion. The transaction is expected to complete on March 19, 2024. Announcement • Nov 29
AEON Financial Service Co., Ltd. to Report Q3, 2024 Results on Jan 11, 2024 AEON Financial Service Co., Ltd. announced that they will report Q3, 2024 results on Jan 11, 2024 New Risk • Oct 13
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 4.5% Last year net profit margin: 7.0% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (4.5% net profit margin). Announcement • Sep 01
AEON Financial Service Co., Ltd. to Report Q2, 2024 Results on Oct 10, 2023 AEON Financial Service Co., Ltd. announced that they will report Q2, 2024 results on Oct 10, 2023 Upcoming Dividend • Aug 23
Upcoming dividend of JP¥25.00 per share at 4.2% yield Eligible shareholders must have bought the stock before 30 August 2023. Payment date: 07 November 2023. Payout ratio is a comfortable 43% but the company is not cash flow positive. Trailing yield: 4.2%. Within top quartile of Japanese dividend payers (3.5%). Higher than average of industry peers (3.5%). Announcement • Jun 02
AEON Financial Service Co., Ltd. to Report Q1, 2024 Results on Jul 11, 2023 AEON Financial Service Co., Ltd. announced that they will report Q1, 2024 results on Jul 11, 2023 Reported Earnings • Apr 14
Full year 2023 earnings: EPS exceeds analyst expectations Full year 2023 results: EPS: JP¥142 (up from JP¥140 in FY 2022). Revenue: JP¥430.1b (down 4.9% from FY 2022). Net income: JP¥30.7b (up 1.5% from FY 2022). Profit margin: 7.1% (up from 6.7% in FY 2022). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 4.2%. Revenue is forecast to grow 6.0% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Consumer Finance industry in Japan. Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings. Upcoming Dividend • Feb 20
Upcoming dividend of JP¥30.00 per share at 3.8% yield Eligible shareholders must have bought the stock before 27 February 2023. Payment date: 09 May 2023. Trailing yield: 3.8%. Within top quartile of Japanese dividend payers (3.6%). Higher than average of industry peers (2.9%). Reported Earnings • Jan 18
Third quarter 2023 earnings: EPS misses analyst expectations Third quarter 2023 results: EPS: JP¥19.38 (down from JP¥19.43 in 3Q 2022). Revenue: JP¥103.7b (down 1.6% from 3Q 2022). Net income: JP¥4.18b (flat on 3Q 2022). Profit margin: 4.0% (in line with 3Q 2022). Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 41%. Revenue is forecast to grow 4.8% p.a. on average during the next 3 years, compared to a 4.3% growth forecast for the Consumer Finance industry in Japan. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has fallen by 10% per year, which means it is performing significantly worse than earnings. Announcement • Nov 27
AEON Financial Service Co., Ltd. to Report Q3, 2023 Results on Jan 12, 2023 AEON Financial Service Co., Ltd. announced that they will report Q3, 2023 results on Jan 12, 2023 Upcoming Dividend • Aug 23
Upcoming dividend of JP¥20.00 per share Eligible shareholders must have bought the stock before 30 August 2022. Payment date: 07 November 2022. Payout ratio is a comfortable 33% but the company is not cash flow positive. Trailing yield: 3.4%. Lower than top quartile of Japanese dividend payers (3.6%). Higher than average of industry peers (2.5%). Reported Earnings • Apr 14
Full year 2022 earnings: Revenues in line with analyst expectations Full year 2022 results: Revenue: JP¥452.3b (down 2.8% from FY 2021). Net income: JP¥30.2b (up 71% from FY 2021). Profit margin: 6.7% (up from 3.8% in FY 2021). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 3.6%, compared to a 2.6% growth forecast for the industry in Japan. Upcoming Dividend • Feb 18
Upcoming dividend of JP¥26.00 per share Eligible shareholders must have bought the stock before 25 February 2022. Payment date: 07 May 2022. Payout ratio is a comfortable 29% but the company is not cash flow positive. Trailing yield: 2.8%. Lower than top quartile of Japanese dividend payers (3.4%). Higher than average of industry peers (2.1%). Upcoming Dividend • Aug 23
Upcoming dividend of JP¥14.00 per share Eligible shareholders must have bought the stock before 30 August 2021. Payment date: 06 November 2021. Trailing yield: 2.9%. Lower than top quartile of Japanese dividend payers (3.1%). Higher than average of industry peers (1.9%). Major Estimate Revision • Apr 10
Consensus forecasts updated The consensus outlook for 2022 has been updated. 2022 EPS estimate fell from JP¥135 to JP¥120 per share. Revenue forecast steady at JP¥501.4b. Net income forecast to shrink 52% next year vs 22% growth forecast for Consumer Finance industry in Japan . Consensus price target up from JP¥1,423 to JP¥1,464. Share price was steady at JP¥1,462 over the past week. Is New 90 Day High Low • Mar 11
New 90-day high: JP¥1,498 The company is up 24% from its price of JP¥1,207 on 11 December 2020. The Japanese market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 20% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is JP¥1,283 per share. Is New 90 Day High Low • Feb 05
New 90-day high: JP¥1,366 The company is up 22% from its price of JP¥1,119 on 06 November 2020. The Japanese market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is JP¥1,113 per share. Major Estimate Revision • Jan 14
Analysts increase EPS estimates to JP¥95.98 The 2021 consensus revenue estimate increased from JP¥469.4b to JP¥484.1b. The earnings per share estimate also received an upgrade from JP¥85.42 to JP¥95.98 for the same period. Net income is expected to shrink by 57% next year compared to 21% growth forecast for the Consumer Finance industry in Japan . The consensus price target increased from JP¥1,324 to JP¥1,329. Share price is up 7.9% to JP¥1,365 over the past week. Is New 90 Day High Low • Jan 08
New 90-day high: JP¥1,298 The company is up 15% from its price of JP¥1,127 on 09 October 2020. The Japanese market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 2.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is JP¥1,138 per share. Is New 90 Day High Low • Dec 04
New 90-day high: JP¥1,209 The company is up 29% from its price of JP¥935 on 04 September 2020. The Japanese market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 12% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is JP¥967 per share. Announcement • Aug 31
AEON Financial Service Co., Ltd. to Report Q2, 2021 Results on Oct 07, 2020 AEON Financial Service Co., Ltd. announced that they will report Q2, 2021 results on Oct 07, 2020