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Japanese (NIKKEI) Consumer Finance Industry Analysis

UpdatedMar 05, 2026
DataAggregated Company Financials
Companies14
  • 7D-5.4%
  • 3M1.6%
  • 1Y22.5%
  • YTD-4.2%

Over the last 7 days, the Consumer Finance industry has dropped 5.4%, driven by pullbacks in Credit Saison and Acom of 4.4% and 3.4%, respectively. In the past year, the industry has gained 23%. As for the next few years, earnings are expected to grow by 11% per annum.

Industry Valuation and Performance

Has the Japanese Consumer Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 06 Mar 2026JP¥3.1tJP¥2.5tJP¥235.6b14x13.3x1.3x
Sun, 01 Feb 2026JP¥3.3tJP¥2.5tJP¥237.0b15x13.7x1.3x
Tue, 30 Dec 2025JP¥3.2tJP¥2.5tJP¥237.9b13.7x13.7x1.3x
Thu, 27 Nov 2025JP¥3.0tJP¥2.5tJP¥237.9b12.5x12.7x1.2x
Sat, 25 Oct 2025JP¥2.7tJP¥2.2tJP¥210.9b13.3x13x1.2x
Mon, 22 Sep 2025JP¥2.9tJP¥2.2tJP¥210.6b14.4x13.7x1.3x
Wed, 20 Aug 2025JP¥2.9tJP¥2.2tJP¥210.7b13.9x13.6x1.3x
Fri, 18 Jul 2025JP¥2.7tJP¥2.2tJP¥192.6b14.3x14x1.2x
Sun, 15 Jun 2025JP¥2.6tJP¥2.2tJP¥192.8b10.5x13.5x1.2x
Tue, 13 May 2025JP¥2.5tJP¥2.2tJP¥217.6b12.5x11.5x1.2x
Thu, 10 Apr 2025JP¥2.1tJP¥2.2tJP¥223.9b9.1x9.5x1x
Sat, 08 Mar 2025JP¥2.4tJP¥2.2tJP¥224.1b10.5x10.7x1.1x
Mon, 03 Feb 2025JP¥2.4tJP¥2.1tJP¥206.9b10.5x11.8x1.2x
Wed, 01 Jan 2025JP¥2.5tJP¥2.1tJP¥196.8b11.8x12.5x1.2x
Fri, 29 Nov 2024JP¥2.4tJP¥2.1tJP¥197.8b11.6x12.1x1.1x
Sun, 27 Oct 2024JP¥2.3tJP¥2.1tJP¥217.7b10.8x10.4x1.1x
Tue, 24 Sep 2024JP¥2.4tJP¥2.0tJP¥216.5b11.7x11.1x1.2x
Thu, 22 Aug 2024JP¥2.3tJP¥2.0tJP¥210.3b13.8x11.1x1.2x
Sat, 20 Jul 2024JP¥2.5tJP¥2.0tJP¥211.6b12.8x11.9x1.3x
Mon, 17 Jun 2024JP¥2.4tJP¥2.0tJP¥211.7b11.3x11.3x1.2x
Wed, 15 May 2024JP¥2.4tJP¥2.0tJP¥203.3b12.3x12x1.2x
Fri, 12 Apr 2024JP¥2.5tJP¥1.9tJP¥206.1b11.8x11.9x1.3x
Sun, 10 Mar 2024JP¥2.4tJP¥1.9tJP¥206.1b10.5x11.6x1.2x
Tue, 06 Feb 2024JP¥2.3tJP¥1.9tJP¥205.4b10.8x11.4x1.2x
Thu, 04 Jan 2024JP¥2.2tJP¥1.9tJP¥204.8b10.7x10.9x1.2x
Sat, 02 Dec 2023JP¥2.2tJP¥1.9tJP¥204.8b11x10.9x1.2x
Mon, 30 Oct 2023JP¥2.2tJP¥1.9tJP¥199.1b10.7x10.8x1.1x
Wed, 27 Sep 2023JP¥2.3tJP¥1.9tJP¥206.5b10.8x11x1.2x
Fri, 25 Aug 2023JP¥2.1tJP¥1.9tJP¥206.5b10.3x10.4x1.1x
Sun, 23 Jul 2023JP¥2.2tJP¥1.8tJP¥213.8b10.2x10.1x1.2x
Tue, 20 Jun 2023JP¥2.1tJP¥1.8tJP¥213.7b9.8x9.9x1.1x
Thu, 18 May 2023JP¥2.1tJP¥1.8tJP¥208.3b9.7x10.1x1.1x
Sat, 15 Apr 2023JP¥2.0tJP¥1.8tJP¥190.3b13.1x10.5x1.1x
Mon, 13 Mar 2023JP¥2.1tJP¥1.8tJP¥189.9b13.3x11x1.2x
Price to Earnings Ratio

11x


Total Market Cap: JP¥2.1tTotal Earnings: JP¥189.9bTotal Revenue: JP¥1.8tTotal Market Cap vs Earnings and Revenue0%0%0%
Japanese Consumer Finance Industry Price to Earnings3Y Average 11.7x202420252026
Current Industry PE
  • Investors are optimistic on the Japanese Consumer Finance industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 13.3x which is higher than its 3-year average PE of 11.7x.
  • The industry is trading close to its 3-year average PS ratio of 1.2x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 7.5% per year over the last three years.
  • Revenues for these companies have grown 11% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the Japanese Financials industry?

JP Market-5.39%
Financials-7.04%
Consumer Finance-5.41%
Consumer Finance-5.41%
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
6993 Daikokuya HoldingsLtdJP¥125.001.6%
+JP¥1.5b		468.2%PS8.7x
8508 J TrustJP¥543.001.1%
+JP¥798.1m		31.8%PE7.5x

Latest News

8515
JP¥487.00
Aiful
7D
-4.1%
1Y
38.7%
8570
JP¥1,654.50
AEON Financial Service
7D
-4.1%
1Y
29.0%
8572
JP¥490.70
Acom
7D
-3.6%
1Y
25.7%
8252
JP¥3,080.00
Marui Group
7D
-1.8%
1Y
15.8%

8252: Modest Fair Value Uplift Will Shape Future Upside Potential

Analysts have lifted their price target on Marui Group by ¥50 to ¥3,533, citing updated assumptions around discount rates, revenue growth, profit margins, and future P/E levels. What's in the News Marui Group reported a buyback tranche update covering November 11, 2025 to December 31, 2025, with 0 shares repurchased, representing 0% of shares for ¥0 million, under the buyback announced on November 11, 2025 (Key Developments).
8508
JP¥543.00
J Trust
7D
1.1%
1Y
31.8%
8253
JP¥4,516.00
Credit Saison
7D
-4.5%
1Y
26.0%
6993
JP¥125.00
Daikokuya HoldingsLtd
7D
1.6%
1Y
468.2%
7199
JP¥1,842.00
Premium Group
7D
-0.2%
1Y
-13.4%
8585
JP¥1,055.00
Orient
7D
-6.7%
1Y
28.8%
8584
JP¥4,215.00
JACCS
7D
-3.1%
1Y
6.3%