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Japanese (NIKKEI) Consumer Finance Industry Analysis

UpdatedMar 16, 2026
DataAggregated Company Financials
Companies14
  • 7D-3.6%
  • 3M-0.3%
  • 1Y21.0%
  • YTD-4.1%

Over the last 7 days, the Consumer Finance industry has dropped 3.6%, driven by a pullback from Marui Group of 3.6%. In the past year, the industry has gained 21%. Looking forward, earnings are forecast to grow by 10% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 17 Mar 2026JP¥3.1tJP¥2.5tJP¥235.6b14.1x13.3x1.3x
Thu, 12 Feb 2026JP¥3.4tJP¥2.5tJP¥239.1b13.7x14.1x1.4x
Sat, 10 Jan 2026JP¥3.3tJP¥2.5tJP¥238.2b13.8x13.9x1.3x
Mon, 08 Dec 2025JP¥3.0tJP¥2.5tJP¥237.9b12.4x12.6x1.2x
Wed, 05 Nov 2025JP¥2.7tJP¥2.2tJP¥214.4b13.2x12.6x1.2x
Fri, 03 Oct 2025JP¥2.8tJP¥2.2tJP¥210.6b13.9x13.1x1.2x
Sun, 31 Aug 2025JP¥2.8tJP¥2.2tJP¥210.7b13.8x13.4x1.3x
Tue, 29 Jul 2025JP¥2.7tJP¥2.2tJP¥192.6b15x14.1x1.2x
Thu, 26 Jun 2025JP¥2.6tJP¥2.2tJP¥192.6b14.1x13.6x1.2x
Sat, 24 May 2025JP¥2.6tJP¥2.2tJP¥192.8b9.8x13.3x1.2x
Mon, 21 Apr 2025JP¥2.3tJP¥2.2tJP¥217.6b10.4x10.7x1.1x
Wed, 19 Mar 2025JP¥2.5tJP¥2.2tJP¥223.9b10.7x11.2x1.2x
Fri, 14 Feb 2025JP¥2.4tJP¥2.1tJP¥207.0b10.6x11.8x1.2x
Sun, 12 Jan 2025JP¥2.4tJP¥2.1tJP¥196.8b11.4x12x1.1x
Tue, 10 Dec 2024JP¥2.4tJP¥2.1tJP¥196.8b11.9x12.4x1.2x
Thu, 07 Nov 2024JP¥2.3tJP¥2.1tJP¥212.0b11.1x11x1.1x
Sat, 05 Oct 2024JP¥2.4tJP¥2.0tJP¥216.5b11.7x11x1.2x
Mon, 02 Sep 2024JP¥2.4tJP¥2.0tJP¥216.5b12.3x10.9x1.2x
Wed, 31 Jul 2024JP¥2.5tJP¥2.0tJP¥211.8b12.4x11.8x1.3x
Fri, 28 Jun 2024JP¥2.4tJP¥2.0tJP¥211.7b12.1x11.4x1.2x
Sun, 26 May 2024JP¥2.4tJP¥2.0tJP¥211.7b11.7x11.4x1.2x
Tue, 23 Apr 2024JP¥2.4tJP¥1.9tJP¥206.1b11.7x11.5x1.2x
Thu, 21 Mar 2024JP¥2.5tJP¥1.9tJP¥206.1b10.6x12x1.3x
Sat, 17 Feb 2024JP¥2.4tJP¥1.9tJP¥207.0b10.5x11.4x1.2x
Mon, 15 Jan 2024JP¥2.3tJP¥1.9tJP¥204.8b10.9x11.3x1.2x
Wed, 13 Dec 2023JP¥2.2tJP¥1.9tJP¥204.8b10.9x10.7x1.2x
Fri, 10 Nov 2023JP¥2.1tJP¥1.9tJP¥197.7b10.3x10.9x1.1x
Sun, 08 Oct 2023JP¥2.2tJP¥1.9tJP¥206.5b10.5x10.5x1.2x
Tue, 05 Sep 2023JP¥2.3tJP¥1.9tJP¥206.5b10.6x10.9x1.2x
Thu, 03 Aug 2023JP¥2.2tJP¥1.9tJP¥207.6b10.3x10.5x1.2x
Sat, 01 Jul 2023JP¥2.2tJP¥1.8tJP¥213.8b10.1x10.2x1.2x
Mon, 29 May 2023JP¥2.0tJP¥1.8tJP¥213.7b9.5x9.5x1.1x
Wed, 26 Apr 2023JP¥2.0tJP¥1.8tJP¥190.3b13.3x10.7x1.1x
Fri, 24 Mar 2023JP¥1.9tJP¥1.8tJP¥189.9b13x10.3x1.1x
Price to Earnings Ratio

10.3x


Total Market Cap: JP¥1.9tTotal 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-2.28%
Financials-4.53%
Consumer Finance-3.63%
Consumer Finance-3.63%
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
8508 J TrustJP¥551.004.0%
+JP¥2.8b		28.1%PE7.6x
8515 AifulJP¥476.000.8%
+JP¥1.9b		34.1%PE7.6x
7183 Anshin Guarantor ServiceJP¥208.0015.6%
+JP¥486.4m		38.7%PE34.1x
2388 Wedge HoldingsLTDJP¥62.003.3%
+JP¥84.9m		-12.7%PS3.2x

Latest News

7183
JP¥208.00
Anshin Guarantor Service
7D
15.6%
1Y
38.7%
8508
JP¥551.00
J Trust
7D
4.0%
1Y
28.1%
8252
JP¥3,035.00
Marui Group
7D
-3.8%
1Y
13.6%

8252: Lower Discount Rate Will Support Stronger Long Term Upside Potential

Analysts have kept their overall fair value estimate for Marui Group steady at ¥3,533. The latest price target update mainly reflects a lower discount rate and adjustments to revenue growth, profit margin, and future P/E assumptions, rather than a shift in headline valuation.
8572
JP¥473.50
Acom
7D
-2.1%
1Y
20.0%

8572: Steady Assumptions Will Support Balanced Future Risk Reward

Analysts have kept their price target for Acom steady at ¥502.5, citing essentially unchanged assumptions for fair value, revenue growth, profit margins, and future P/E, along with a slightly higher discount rate. Valuation Changes Fair Value: Kept unchanged at ¥502.5, indicating no revision to the estimated equity value per share.
8515
JP¥476.00
Aiful
7D
0.8%
1Y
34.1%
8570
JP¥1,564.00
AEON Financial Service
7D
-1.2%
1Y
14.2%
7383
JP¥445.00
Net Protections Holdings
7D
-8.2%
1Y
-5.7%

Net Protections Holdings, Inc. Beat Analyst Estimates: See What The Consensus Is Forecasting For Next Year

Feb 16
Net Protections Holdings, Inc. Beat Analyst Estimates: See What The Consensus Is Forecasting For Next Year
2388
JP¥62.00
Wedge HoldingsLTD
7D
3.3%
1Y
-12.7%
8253
JP¥4,232.00
Credit Saison
7D
-1.6%
1Y
14.3%
6993
JP¥123.00
Daikokuya HoldingsLtd
7D
-3.9%
1Y
434.8%
7199
JP¥1,729.00
Premium Group
7D
-6.3%
1Y
-22.0%
8584
JP¥4,095.00
JACCS
7D
-1.9%
1Y
-1.8%