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Japanese (NIKKEI) Consumer Finance Industry Analysis

UpdatedMay 01, 2026
DataAggregated Company Financials
Companies14
  • 7D0.5%
  • 3M-3.1%
  • 1Y23.6%
  • YTD-3.5%

Over the last 7 days, the Consumer Finance industry has remained flat, although notably J Trust gained 9.5%. The past year has been better, since the industry has gained 25% in that time. Looking forward, earnings are forecast to grow by 8.8% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 01 May 2026JP¥3.2tJP¥2.5tJP¥236.5b14.2x13.3x1.3x
Sun, 29 Mar 2026JP¥3.1tJP¥2.5tJP¥235.6b14x13.2x1.2x
Tue, 24 Feb 2026JP¥3.3tJP¥2.5tJP¥235.6b15.1x14.1x1.3x
Thu, 22 Jan 2026JP¥3.3tJP¥2.5tJP¥240.4b13.9x13.7x1.3x
Sat, 20 Dec 2025JP¥3.2tJP¥2.5tJP¥237.9b13.2x13.6x1.3x
Mon, 17 Nov 2025JP¥3.0tJP¥2.4tJP¥238.4b12.3x12.6x1.2x
Wed, 15 Oct 2025JP¥2.7tJP¥2.2tJP¥210.9b13.3x12.8x1.2x
Fri, 12 Sep 2025JP¥2.9tJP¥2.2tJP¥210.7b14.6x13.9x1.3x
Sun, 10 Aug 2025JP¥2.9tJP¥2.2tJP¥211.0b13.8x13.6x1.3x
Tue, 08 Jul 2025JP¥2.7tJP¥2.2tJP¥192.6b14.9x13.9x1.2x
Thu, 05 Jun 2025JP¥2.6tJP¥2.2tJP¥192.8b10.6x13.7x1.2x
Sat, 03 May 2025JP¥2.4tJP¥2.2tJP¥217.6b10.7x11x1.1x
Mon, 31 Mar 2025JP¥2.5tJP¥2.2tJP¥223.9b10.5x11.1x1.1x
Wed, 26 Feb 2025JP¥2.4tJP¥2.2tJP¥224.1b10.3x10.7x1.1x
Fri, 24 Jan 2025JP¥2.4tJP¥2.1tJP¥199.2b10.3x11.9x1.1x
Sun, 22 Dec 2024JP¥2.4tJP¥2.1tJP¥196.8b11.5x12.2x1.1x
Tue, 19 Nov 2024JP¥2.3tJP¥2.1tJP¥197.2b11x11.8x1.1x
Thu, 17 Oct 2024JP¥2.4tJP¥2.0tJP¥216.5b11.3x11x1.2x
Sat, 14 Sep 2024JP¥2.3tJP¥2.0tJP¥216.5b11.5x10.8x1.1x
Mon, 12 Aug 2024JP¥2.2tJP¥2.0tJP¥213.1b10.3x10.2x1.1x
Wed, 10 Jul 2024JP¥2.4tJP¥2.0tJP¥211.6b12.5x11.6x1.2x
Fri, 07 Jun 2024JP¥2.4tJP¥2.0tJP¥211.7b11.4x11.3x1.2x
Sun, 05 May 2024JP¥2.4tJP¥1.9tJP¥207.0b11.2x11.7x1.2x
Tue, 02 Apr 2024JP¥2.5tJP¥1.9tJP¥206.1b11x11.9x1.3x
Thu, 29 Feb 2024JP¥2.3tJP¥1.9tJP¥206.1b10.5x11.4x1.2x
Sat, 27 Jan 2024JP¥2.3tJP¥1.9tJP¥202.2b10.5x11.5x1.2x
Mon, 25 Dec 2023JP¥2.2tJP¥1.9tJP¥204.8b10.4x10.6x1.1x
Wed, 22 Nov 2023JP¥2.2tJP¥1.9tJP¥204.8b10.8x10.5x1.1x
Fri, 20 Oct 2023JP¥2.2tJP¥1.9tJP¥199.9b10.7x11x1.2x
Sun, 17 Sep 2023JP¥2.3tJP¥1.9tJP¥206.5b11x11.2x1.2x
Tue, 15 Aug 2023JP¥2.1tJP¥1.9tJP¥206.5b10.3x10.3x1.1x
Thu, 13 Jul 2023JP¥2.1tJP¥1.8tJP¥213.8b10.1x10x1.2x
Sat, 10 Jun 2023JP¥2.1tJP¥1.8tJP¥213.7b9.6x9.8x1.1x
Mon, 08 May 2023JP¥2.1tJP¥1.8tJP¥189.9b13.3x10.8x1.1x
Price to Earnings Ratio

10.8x


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 11.8x202420252026
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 13.4x which is higher than its 3-year average PE of 11.8x.
  • 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 7.6% per year over the last three years.
  • Revenues for these companies have grown 12% 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 Market0.22%
Financials2.64%
Consumer Finance0.48%
Consumer Finance0.48%
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¥112.009.8%
+JP¥7.4b		433.3%PS7.8x
8508 J TrustJP¥660.008.4%
+JP¥6.8b		66.7%PE9.1x
7199 Premium GroupJP¥1.87k5.5%
+JP¥3.8b		-11.6%PE15.8x
8570 AEON Financial ServiceJP¥1.56k0.6%
+JP¥2.1b		28.9%PE16x
7383 Net Protections HoldingsJP¥432.003.8%
+JP¥1.6b		-3.8%PE22.4x

Latest News

8508
JP¥660.00
J Trust
7D
8.4%
1Y
66.7%
7383
JP¥432.00
Net Protections Holdings
7D
3.8%
1Y
-3.8%
8572
JP¥494.30
Acom
7D
-1.2%
1Y
24.0%

8572: Earnings Guidance And Dividend Outlook Will Support Balanced Fair Value View

Analysts have maintained their fair value estimate for Acom at ¥505, citing only modest adjustments to the discount rate and future P/E assumptions that are not significant enough to change their overall price target view. What's in the News Acom revised consolidated earnings guidance for the year ended March 2026.
8252
JP¥2,983.00
Marui Group
7D
-0.05%
1Y
5.2%

8252: Completed Share Buyback Will Support Stronger Long Term Upside Potential

Analysts have kept Marui Group's fair value estimate steady at ¥3,544, with only slight adjustments to the discount rate, revenue growth, profit margin, and future P/E assumptions guiding the updated price target narrative. What's in the News Marui Group completed a share repurchase of 271,500 shares, equal to 0.15% of shares, for ¥811.65 million under the buyback program announced on November 11, 2025 (Key Developments).
8570
JP¥1,559.00
AEON Financial Service
7D
0.6%
1Y
28.9%
547A
JP¥458.00
Muninova Holdings
7D
-1.5%
1Y
27.2%
8584
JP¥4,025.00
JACCS
7D
-0.6%
1Y
9.4%
8253
JP¥4,245.00
Credit Saison
7D
-1.6%
1Y
26.7%
7183
JP¥174.00
Anshin Guarantor Service
7D
-3.9%
1Y
10.1%
7199
JP¥1,867.00
Premium Group
7D
5.5%
1Y
-11.6%
8585
JP¥1,008.00
Orient
7D
-0.4%
1Y
28.7%
2388
JP¥56.00
Wedge HoldingsLTD
7D
-5.1%
1Y
-16.4%
6993
JP¥112.00
Daikokuya HoldingsLtd
7D
9.8%
1Y
433.3%