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Japanese (NIKKEI) Consumer Finance Industry Analysis

UpdatedFeb 08, 2026
DataAggregated Company Financials
Companies14
  • 7D1.8%
  • 3M13.0%
  • 1Y28.6%
  • YTDn/a

The Consumer Finance industry is up 1.8% in the last week, with Credit Saison up 6.5%. This means that the industry has gained 29% over the past year. Looking forward, earnings are forecast to grow by 9.8% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 08 Feb 2026JP¥3.3tJP¥2.5tJP¥236.9b15.1x14x1.3x
Tue, 06 Jan 2026JP¥3.3tJP¥2.5tJP¥237.9b13.6x13.7x1.3x
Thu, 04 Dec 2025JP¥3.0tJP¥2.5tJP¥237.9b12.5x12.7x1.2x
Sat, 01 Nov 2025JP¥2.7tJP¥2.2tJP¥210.9b13.1x12.8x1.2x
Mon, 29 Sep 2025JP¥2.9tJP¥2.2tJP¥210.6b14.6x14x1.3x
Wed, 27 Aug 2025JP¥2.8tJP¥2.2tJP¥210.7b13.9x13.5x1.3x
Fri, 25 Jul 2025JP¥2.7tJP¥2.2tJP¥192.6b14.8x14.1x1.2x
Sun, 22 Jun 2025JP¥2.6tJP¥2.2tJP¥192.8b10.8x13.7x1.2x
Tue, 20 May 2025JP¥2.5tJP¥2.2tJP¥193.2b9.8x13.2x1.2x
Thu, 17 Apr 2025JP¥2.2tJP¥2.2tJP¥217.6b9.7x10.3x1x
Sat, 15 Mar 2025JP¥2.4tJP¥2.2tJP¥224.1b10.6x10.9x1.1x
Mon, 10 Feb 2025JP¥2.4tJP¥2.1tJP¥207.0b10.6x11.8x1.1x
Wed, 08 Jan 2025JP¥2.4tJP¥2.1tJP¥196.8b11.9x12.3x1.2x
Fri, 06 Dec 2024JP¥2.5tJP¥2.1tJP¥196.8b11.9x12.5x1.2x
Sun, 03 Nov 2024JP¥2.3tJP¥2.1tJP¥212.0b11x10.8x1.1x
Tue, 01 Oct 2024JP¥2.4tJP¥2.0tJP¥216.5b11.6x11x1.2x
Thu, 29 Aug 2024JP¥2.4tJP¥2.0tJP¥216.5b12.7x11x1.2x
Sat, 27 Jul 2024JP¥2.5tJP¥2.0tJP¥211.6b12.4x11.6x1.2x
Mon, 24 Jun 2024JP¥2.4tJP¥2.0tJP¥211.7b11.8x11.3x1.2x
Wed, 22 May 2024JP¥2.4tJP¥2.0tJP¥211.7b11.5x11.4x1.2x
Fri, 19 Apr 2024JP¥2.4tJP¥1.9tJP¥206.1b11.9x11.7x1.2x
Sun, 17 Mar 2024JP¥2.4tJP¥1.9tJP¥206.1b10.4x11.6x1.2x
Tue, 13 Feb 2024JP¥2.3tJP¥1.9tJP¥209.0b10.2x11.2x1.2x
Thu, 11 Jan 2024JP¥2.3tJP¥1.9tJP¥204.8b10.9x11.2x1.2x
Sat, 09 Dec 2023JP¥2.2tJP¥1.9tJP¥204.8b10.8x10.7x1.2x
Mon, 06 Nov 2023JP¥2.2tJP¥1.9tJP¥197.7b10.7x11x1.2x
Wed, 04 Oct 2023JP¥2.2tJP¥1.9tJP¥206.5b10.4x10.8x1.2x
Fri, 01 Sep 2023JP¥2.2tJP¥1.9tJP¥206.5b10.4x10.6x1.2x
Sun, 30 Jul 2023JP¥2.2tJP¥1.9tJP¥207.6b10.5x10.7x1.2x
Tue, 27 Jun 2023JP¥2.1tJP¥1.8tJP¥213.8b10x10x1.2x
Thu, 25 May 2023JP¥2.1tJP¥1.8tJP¥213.7b9.6x9.7x1.1x
Sat, 22 Apr 2023JP¥2.0tJP¥1.8tJP¥190.3b13.2x10.6x1.1x
Mon, 20 Mar 2023JP¥2.0tJP¥1.8tJP¥189.9b13x10.4x1.1x
Wed, 15 Feb 2023JP¥2.1tJP¥1.8tJP¥188.2b13x11x1.2x
Price to Earnings Ratio

11x


Total Market Cap: JP¥2.1tTotal Earnings: JP¥188.2bTotal Revenue: JP¥1.8tTotal Market Cap vs Earnings and Revenue0%0%0%
Japanese Consumer Finance Industry Price to Earnings3Y Average 11.6x202420252026
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 14.0x which is higher than its 3-year average PE of 11.6x.
  • The 3-year average PS ratio of 1.2x is lower than the industry's current PS ratio of 1.3x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 8.0% 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 Comparison

How does Japanese Consumer Finance compare with similar industries?

JP Market3.36%
Financials6.45%
Consumer Finance1.81%
Consumer Finance1.81%
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
8253 Credit SaisonJP¥4.42k6.5%
+JP¥38.6b		22.2%PE9.7x
8570 AEON Financial ServiceJP¥1.78k5.8%
+JP¥20.9b		42.9%PE19.1x
8252 Marui GroupJP¥3.10k2.5%
+JP¥13.1b		22.4%PE19.1x
8585 OrientJP¥1.15k4.6%
+JP¥8.7b		42.3%PE15.8x
8584 JACCSJP¥4.27k0.8%
+JP¥1.6b		10.6%PE11.2x

Latest News

8252
JP¥3,103.00
Marui Group
7D
2.5%
1Y
22.4%

8252: Share Repurchases And Higher Dividends Will Support Future Upside Potential

Analysts have modestly revised their price target for Marui Group, reflecting a slightly lower discount rate and future P/E assumptions, along with marginally higher revenue growth and profit margin expectations that together support a steady fair value of ¥3,483.33. What's in the News The Board of Directors authorized a share repurchase program on November 11, 2025, allowing Marui Group to buy back up to 10,000,000 shares (5.55% of issued share capital) for up to ¥20,000m, with the program running until May 15, 2026 (Key Developments).
8572
JP¥505.20
Acom
7D
-1.2%
1Y
28.5%

8572: Higher Dividend And Stable Outlook Will Support Balanced Future Risk Reward

Analysts have kept their fair value estimate for Acom steady at ¥472.5, explaining that a slightly higher discount rate and modestly softer assumptions for revenue growth, profit margin, and future P/E offset each other in the updated model. What's in the News Acom announced a second quarter dividend for the fiscal year ending March 31, 2026 of ¥10.00 per share, compared with ¥7.00 per share for the same period a year earlier (Key Developments).
7383
JP¥418.00
Net Protections Holdings
7D
-12.4%
1Y
-13.8%
8570
JP¥1,783.50
AEON Financial Service
7D
5.8%
1Y
42.9%
8585
JP¥1,150.00
Orient
7D
4.6%
1Y
42.3%
8515
JP¥547.00
Aiful
7D
-0.4%
1Y
56.3%

Aiful (TSE:8515) Is Due To Pay A Dividend Of ¥6.00

Jan 09
Aiful (TSE:8515) Is Due To Pay A Dividend Of ¥6.00
8253
JP¥4,420.00
Credit Saison
7D
6.5%
1Y
22.2%

Credit Saison (TSE:8253) Has Announced That It Will Be Increasing Its Dividend To ¥130.00

Dec 31
Credit Saison (TSE:8253) Has Announced That It Will Be Increasing Its Dividend To ¥130.00
7183
JP¥159.00
Anshin Guarantor Service
7D
-4.2%
1Y
6.0%
7199
JP¥1,773.00
Premium Group
7D
-1.7%
1Y
-29.3%

Premium Group's (TSE:7199) Dividend Will Be ¥27.00

Dec 23
Premium Group's (TSE:7199) Dividend Will Be ¥27.00
8508
JP¥468.00
J Trust
7D
-4.1%
1Y
-5.6%
6993
JP¥153.00
Daikokuya HoldingsLtd
7D
-3.8%
1Y
565.2%
8584
JP¥4,270.00
JACCS
7D
0.8%
1Y
10.6%
2388
JP¥63.00
Wedge HoldingsLTD
7D
1.6%
1Y
1.6%