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

Investors are relatively neutral on the Japanese Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady. The industry is trading close to its 3-year average PE ratio of 12.0x. The industry is trading close to its 3-year average PS ratio of 1.2x.

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

There are no additional sub-industries under this industry.

Japanese (NIKKEI) Consumer Finance Industry Analysis

Date	Market Cap	Revenue	Earnings	PE	Absolute PE	PS
Mon, 14 Sep 2026	JP¥3.1t	JP¥2.6t	JP¥262.8b	11.8x	11.7x	1.2x
Wed, 12 Aug 2026	JP¥3.2t	JP¥2.6t	JP¥251.9b	12x	12.5x	1.2x
Fri, 10 Jul 2026	JP¥3.1t	JP¥2.5t	JP¥265.0b	11.3x	11.7x	1.2x
Sun, 07 Jun 2026	JP¥2.9t	JP¥2.5t	JP¥265.8b	10.6x	10.9x	1.1x
Tue, 05 May 2026	JP¥3.1t	JP¥2.5t	JP¥236.5b	14.1x	13.2x	1.2x
Thu, 02 Apr 2026	JP¥3.1t	JP¥2.5t	JP¥235.6b	13.7x	13.2x	1.2x
Sat, 28 Feb 2026	JP¥3.4t	JP¥2.5t	JP¥235.6b	15.3x	14.4x	1.4x
Mon, 26 Jan 2026	JP¥3.3t	JP¥2.5t	JP¥240.4b	14.1x	13.8x	1.3x
Wed, 24 Dec 2025	JP¥3.2t	JP¥2.5t	JP¥237.9b	13.4x	13.6x	1.3x
Fri, 21 Nov 2025	JP¥2.9t	JP¥2.5t	JP¥237.8b	12.1x	12.3x	1.2x
Sun, 19 Oct 2025	JP¥2.7t	JP¥2.2t	JP¥210.9b	13.2x	12.7x	1.2x
Tue, 16 Sep 2025	JP¥2.9t	JP¥2.2t	JP¥210.6b	14.6x	13.9x	1.3x
Thu, 14 Aug 2025	JP¥2.9t	JP¥2.2t	JP¥210.8b	13.7x	13.7x	1.3x
Sat, 12 Jul 2025	JP¥2.7t	JP¥2.2t	JP¥192.6b	14.3x	13.9x	1.2x
Mon, 09 Jun 2025	JP¥2.6t	JP¥2.2t	JP¥192.8b	10.8x	13.7x	1.2x
Wed, 07 May 2025	JP¥2.4t	JP¥2.2t	JP¥217.6b	10.7x	11x	1.1x
Fri, 04 Apr 2025	JP¥2.3t	JP¥2.2t	JP¥223.9b	9.9x	10.4x	1.1x
Sun, 02 Mar 2025	JP¥2.4t	JP¥2.2t	JP¥224.1b	10.1x	10.6x	1.1x
Tue, 28 Jan 2025	JP¥2.4t	JP¥2.1t	JP¥199.2b	10.5x	12.1x	1.1x
Thu, 26 Dec 2024	JP¥2.4t	JP¥2.1t	JP¥196.8b	11.6x	12.3x	1.2x
Sat, 23 Nov 2024	JP¥2.4t	JP¥2.1t	JP¥197.8b	11.6x	12.2x	1.2x
Mon, 21 Oct 2024	JP¥2.4t	JP¥2.0t	JP¥216.5b	11.4x	11x	1.2x
Wed, 18 Sep 2024	JP¥2.3t	JP¥2.0t	JP¥216.5b	11.4x	10.7x	1.1x
Fri, 16 Aug 2024	JP¥2.3t	JP¥2.0t	JP¥209.8b	13.7x	10.9x	1.1x
Sun, 14 Jul 2024	JP¥2.5t	JP¥2.0t	JP¥211.6b	12.7x	11.9x	1.3x
Tue, 11 Jun 2024	JP¥2.4t	JP¥2.0t	JP¥211.7b	11.4x	11.4x	1.2x
Thu, 09 May 2024	JP¥2.4t	JP¥1.9t	JP¥207.0b	10.8x	11.6x	1.2x
Sat, 06 Apr 2024	JP¥2.5t	JP¥1.9t	JP¥206.1b	11.4x	11.9x	1.3x
Mon, 04 Mar 2024	JP¥2.4t	JP¥1.9t	JP¥206.1b	10.4x	11.5x	1.2x
Wed, 31 Jan 2024	JP¥2.3t	JP¥1.9t	JP¥202.2b	10.4x	11.5x	1.2x
Fri, 29 Dec 2023	JP¥2.2t	JP¥1.9t	JP¥204.8b	10.6x	10.8x	1.2x
Sun, 26 Nov 2023	JP¥2.2t	JP¥1.9t	JP¥204.8b	10.8x	10.6x	1.1x
Tue, 24 Oct 2023	JP¥2.1t	JP¥1.9t	JP¥199.9b	10.6x	10.7x	1.1x
Thu, 21 Sep 2023	JP¥2.3t	JP¥1.9t	JP¥206.5b	10.9x	11.1x	1.2x


JP Market	-1.69%
Financials	-1.86%
Consumer Finance	-0.91%
Consumer Finance	-0.91%

Company	Last Price	7D	1Y	Valuation
8253 Credit Saison	JP¥4.67k	1.3% +JP¥8.6b	19.4%	PE9.8x
8572 Acom	JP¥489.40	0.9% +JP¥7.2b	-0.1%	PE11.9x
8570 AEON Financial Service	JP¥1.65k	1.9% +JP¥6.7b	7.0%	PE16.9x
8252 Marui Group	JP¥2.90k	0.9% +JP¥4.7b	-13.4%	PE17.5x
547A Muninova Holdings	JP¥437.00	1.9% +JP¥3.8b	-12.6%	PE6.2x

Announcement • Sep 12

JACCS Co., Ltd. Resolves to Implement an Organizational Restructuring

JACCS Co., Ltd. announced that, at a meeting of the Board of Directors held on September 11, 2026, it resolved to implement an organizational restructuring. In connection with this, it has been decided that the Company will carry out workforce rationalization. Reasons for implementing structural reforms (organizational restructuring and workforce rationalization): The JACCS Group is in the second year of its Medium-Term Business Plan, "Do Next!", which incorporates themes from the previous three years of taking on the challenge of "transformation" and "renewed growth" through expanded collaboration with the MUFG Group. Under the Medium-Term Business Plan, the JACCS Group is implementing three focus strategies: "Growth Strategy," "Business Restructuring," and "Finance Strategy," with the aim of achieving sustainable growth and enhancing corporate value. As part of its Business Restructuring, the Company has been working to optimize its central system organization by reorganizing its sales office network in line with market conditions, improving operational efficiency through digitalization, and reviewing personnel allocation. Regarding credit screening operations, it has implemented measures such as web-based application procedures, automation of the credit screening process, and improvements to the credit screening acceptance system. To further improve operational efficiency and productivity, it has decided to implement an organizational restructuring of its credit screening and operations department. Under this organizational restructuring, credit screening operations, currently dispersed across 11 locations nationwide, will be consolidated into a 7-location structure with Tokyo and Osaka as the primary locations. In conjunction with this, the Company will implement workforce rationalization measures applicable to employees working at the 4 locations to be closed (Sapporo, Nagoya, Fukuoka, and Okayama). Timing of the organizational restructuring: April 1, 2027.

Japanese (NIKKEI) Consumer Finance Industry Analysis

Industry Valuation and Performance

Industry Trends

Top Stock Gainers and Losers

Latest News

JACCS Co., Ltd. Resolves to Implement an Organizational Restructuring

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Investor sentiment deteriorates as stock falls 16%

8252: Share Repurchase Plan Will Support Long Term Upside

First quarter 2027 earnings: EPS exceeds analyst expectations while revenues lag behind

Here's What Analysts Are Forecasting For Credit Saison Co., Ltd. (TSE:8253) After Its First-Quarter Results

First quarter 2027 earnings released: EPS: JP¥21.89 (vs JP¥8.30 in 1Q 2026)

Daikokuya Holdings Co.,Ltd. to Report Q2, 2027 Results on Nov 12, 2026

First quarter 2027 earnings released: EPS: JP¥44.88 (vs JP¥31.92 in 1Q 2026)