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Japanese (NIKKEI) Consumer Finance Industry Analysis

UpdatedDec 15, 2025
DataAggregated Company Financials
Companies15
  • 7D2.6%
  • 3M-0.8%
  • 1Y22.0%
  • YTD22.5%

Over the last 7 days, the Consumer Finance industry has risen 2.6%, driven by gains from every company within the industry. This means that the industry has gained 22% over the past year. Earnings are forecast to grow by 9.3% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 16 Dec 2025JP¥3.1tJP¥2.5tJP¥237.9b12.6x13.1x1.3x
Thu, 13 Nov 2025JP¥3.0tJP¥2.4tJP¥231.6b12.2x12.8x1.2x
Sat, 11 Oct 2025JP¥2.8tJP¥2.2tJP¥210.6b13.5x13.1x1.2x
Mon, 08 Sep 2025JP¥2.9tJP¥2.2tJP¥210.7b14.3x13.7x1.3x
Wed, 06 Aug 2025JP¥2.8tJP¥2.2tJP¥210.3b13.3x13.2x1.3x
Fri, 04 Jul 2025JP¥2.7tJP¥2.2tJP¥192.6b15.1x13.9x1.2x
Sun, 01 Jun 2025JP¥2.6tJP¥2.2tJP¥192.8b10.3x13.4x1.2x
Tue, 29 Apr 2025JP¥2.4tJP¥2.2tJP¥217.6b10.5x10.9x1.1x
Thu, 27 Mar 2025JP¥2.5tJP¥2.2tJP¥223.9b10.7x11.2x1.2x
Sat, 22 Feb 2025JP¥2.4tJP¥2.2tJP¥224.1b10.3x10.7x1.1x
Mon, 20 Jan 2025JP¥2.4tJP¥2.1tJP¥199.2b10.3x11.9x1.1x
Wed, 18 Dec 2024JP¥2.4tJP¥2.1tJP¥196.8b11.6x12.2x1.1x
Fri, 15 Nov 2024JP¥2.3tJP¥2.1tJP¥213.3b11x10.9x1.1x
Sun, 13 Oct 2024JP¥2.4tJP¥2.0tJP¥216.5b11.3x10.9x1.2x
Tue, 10 Sep 2024JP¥2.3tJP¥2.0tJP¥216.5b11.7x10.8x1.1x
Thu, 08 Aug 2024JP¥2.2tJP¥2.0tJP¥211.0b10.3x10.4x1.1x
Sat, 06 Jul 2024JP¥2.5tJP¥2.0tJP¥211.6b12.3x11.6x1.2x
Mon, 03 Jun 2024JP¥2.5tJP¥2.0tJP¥211.7b11.9x11.6x1.2x
Wed, 01 May 2024JP¥2.4tJP¥1.9tJP¥207.0b11.2x11.8x1.3x
Fri, 29 Mar 2024JP¥2.5tJP¥1.9tJP¥206.1b11x12x1.3x
Sun, 25 Feb 2024JP¥2.4tJP¥1.9tJP¥206.1b10.5x11.5x1.2x
Tue, 23 Jan 2024JP¥2.4tJP¥1.9tJP¥202.2b10.6x11.6x1.2x
Thu, 21 Dec 2023JP¥2.2tJP¥1.9tJP¥204.8b10.5x10.7x1.1x
Sat, 18 Nov 2023JP¥2.2tJP¥1.9tJP¥208.5b10.8x10.4x1.1x
Mon, 16 Oct 2023JP¥2.2tJP¥1.9tJP¥199.9b10.6x10.8x1.1x
Wed, 13 Sep 2023JP¥2.3tJP¥1.9tJP¥206.5b10.8x11x1.2x
Fri, 11 Aug 2023JP¥2.2tJP¥1.9tJP¥208.1b10.3x10.4x1.2x
Sun, 09 Jul 2023JP¥2.2tJP¥1.8tJP¥213.8b10.2x10.2x1.2x
Tue, 06 Jun 2023JP¥2.1tJP¥1.8tJP¥213.7b9.6x9.8x1.1x
Thu, 04 May 2023JP¥2.1tJP¥1.8tJP¥190.3b13.3x10.8x1.1x
Sat, 01 Apr 2023JP¥2.0tJP¥1.8tJP¥189.9b12.9x10.4x1.1x
Mon, 27 Feb 2023JP¥2.1tJP¥1.8tJP¥189.9b12.9x10.9x1.1x
Wed, 25 Jan 2023JP¥2.0tJP¥1.8tJP¥187.0b11.3x10.6x1.1x
Fri, 23 Dec 2022JP¥2.0tJP¥1.8tJP¥187.0b11.1x10.7x1.1x
Price to Earnings Ratio

10.7x


Total Market Cap: JP¥2.0tTotal Earnings: JP¥187.0bTotal Revenue: JP¥1.8tTotal Market Cap vs Earnings and Revenue0%0%0%
Japanese Consumer Finance Industry Price to Earnings3Y Average 11.5x202320242025
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 13.1x which is higher than its 3-year average PE of 11.5x.
  • 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 8.4% 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 Market1.69%
Financials1.70%
Consumer Finance2.62%
Consumer Finance2.62%
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¥80.00-25.9%
JP¥32.6b		247.8%PS5.5x
8253 Credit SaisonJP¥4.17k3.6%
+JP¥20.8b		15.1%PE9.2x
8572 AcomJP¥481.601.1%
+JP¥8.3b		26.9%PE14.2x
8570 AEON Financial ServiceJP¥1.59k2.4%
+JP¥8.2b		25.2%PE19x
8515 AifulJP¥535.001.7%
+JP¥4.3b		63.6%PE9.2x

Latest News

8572
JP¥481.60
Acom
7D
1.1%
1Y
26.9%

8572: Dividend Hike Will Signal Steady Outlook Amid Balanced Opportunities And Risks

Analysts have raised their price target on Acom by $10 to $472.50, citing slightly stronger expectations for revenue growth, profit margins, and future valuation multiples that more than offset a modest uptick in the discount rate. What's in the News Acom Co., Ltd.
6993
JP¥80.00
Daikokuya HoldingsLtd
7D
-25.9%
1Y
247.8%
8570
JP¥1,593.00
AEON Financial Service
7D
2.4%
1Y
25.2%

AEON Financial Service (TSE:8570) Is Due To Pay A Dividend Of ¥28.00

Dec 08
AEON Financial Service (TSE:8570) Is Due To Pay A Dividend Of ¥28.00
8515
JP¥535.00
Aiful
7D
1.7%
1Y
63.6%

Aiful (TSE:8515) Will Pay A Dividend Of ¥6.00

Dec 07
Aiful (TSE:8515) Will Pay A Dividend Of ¥6.00
8252
JP¥3,154.00
Marui Group
7D
0.7%
1Y
24.0%

Marui Group's (TSE:8252) Shareholders Will Receive A Bigger Dividend Than Last Year

Dec 07
Marui Group's (TSE:8252) Shareholders Will Receive A Bigger Dividend Than Last Year
8508
JP¥447.00
J Trust
7D
4.7%
1Y
1.8%

J Trust (TSE:8508) Will Pay A Larger Dividend Than Last Year At ¥17.00

Dec 03
J Trust (TSE:8508) Will Pay A Larger Dividend Than Last Year At ¥17.00
7383
JP¥550.00
Net Protections Holdings
7D
-0.4%
1Y
10.0%
8253
JP¥4,171.00
Credit Saison
7D
3.6%
1Y
15.1%

Credit Saison (TSE:8253) Is Increasing Its Dividend To ¥130.00

Nov 30
Credit Saison (TSE:8253) Is Increasing Its Dividend To ¥130.00
8584
JP¥4,205.00
JACCS
7D
1.9%
1Y
14.0%