How does 4JT's PE Ratio compare to its peers?

4JT is good value based on its Price-To-Earnings Ratio (17.3x) compared to the peer average (19.8x).

How does 4JT's PE Ratio compare vs other companies in the European Consumer Finance Industry?

4JT is expensive based on its Price-To-Earnings Ratio (17.3x) compared to the European Consumer Finance industry average (9.2x).

What is 4JT's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

4JT is expensive based on its Price-To-Earnings Ratio (17.3x) compared to the estimated Fair Price-To-Earnings Ratio (16.5x).

What is the Fair Price of 4JT when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

4JT (€2.62) is trading below our estimate of [[fair value]] (€6.7)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

J Trust (BST:4JT) - Stock Price, News & Analysis

4JT Stock Overview

Provides various financial services in Japan. More details

4JT fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	4/6
Past Performance	1/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 60.9% below our estimate of its fair value

Earnings are forecast to grow 31.01% per year

Risk Analysis

Profit margins (2.6%) are lower than last year (17.3%)

Large one-off items impacting financial results

Unstable dividend track record

J Trust Co., Ltd. Competitors

Eleving Group

DB:OT8

€190.9m

Multitude

XTRA:E4I

€101.8m

JDC Group

XTRA:JDC

€317.8m

Ernst Russ

XTRA:HXCK

€193.4m

Price History & Performance

Summary of all time highs, changes and price drops for J Trust
Historical stock prices
Current Share Price	JP¥2.62
52 Week High	JP¥3.04
52 Week Low	JP¥1.85
Beta	0.59
11 Month Change	-0.76%
3 Month Change	-1.50%
1 Year Change	-8.39%
33 Year Change	-39.35%
5 Year Change	-31.41%
Change since IPO	-67.25%

Recent updates

Shareholder Returns

	4JT	DE Consumer Finance	DE Market
7D	5.6%	0.05%	0.8%
1Y	-8.4%	16.3%	9.1%

Return vs Industry: 4JT underperformed the German Consumer Finance industry which returned 15.9% over the past year.

Return vs Market: 4JT underperformed the German Market which returned 8.5% over the past year.

Price Volatility

Is 4JT's price volatile compared to industry and market?
4JT volatility
4JT Average Weekly Movement	4.2%
Consumer Finance Industry Average Movement	4.9%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	10.8%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: 4JT has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: 4JT's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1977	3,082	Nobuyoshi Fujisawa	www.jt-corp.co.jp

J Trust Co., Ltd. provides various financial services in Japan. The company engages in the credit guarantee; finance business for consumers and businesses; debt purchase and collection business; securities; credit card; individual credit purchase mediation; banking; consulting; real estate; investment; and system development businesses. J Trust Co., Ltd.

J Trust Co., Ltd. Fundamentals Summary

How do J Trust's earnings and revenue compare to its market cap?
4JT fundamental statistics
Market cap	€357.78m
Earnings (TTM)	€20.63m
Revenue (TTM)	€779.18m

17.3x

P/E Ratio

0.5x

P/S Ratio

Is 4JT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
4JT income statement (TTM)
Revenue	JP¥126.06b
Cost of Revenue	JP¥89.07b
Gross Profit	JP¥36.99b
Other Expenses	JP¥33.65b
Earnings	JP¥3.34b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	24.86
Gross Margin	29.34%
Net Profit Margin	2.65%
Debt/Equity Ratio	35.8%

How did 4JT perform over the long term?

See historical performance and comparison

Dividends

3.2%

Current Dividend Yield

53%

Payout Ratio

Does 4JT pay a reliable dividends?

See 4JT dividend history and benchmarks

When do you need to buy 4JT by to receive an upcoming dividend?
J Trust dividend dates
Ex Dividend Date	Dec 27 2024
Dividend Pay Date	Mar 27 2025
Days until Ex dividend	30 days
Days until Dividend pay date	120 days

Does 4JT pay a reliable dividends?

See 4JT dividend history and benchmarks

4JT Stock Overview

Rewards

Risk Analysis

J Trust Co., Ltd. Competitors

DB:OT8

€190.9m

XTRA:E4I

€101.8m

XTRA:JDC

€317.8m

XTRA:HXCK

€193.4m

Price History & Performance

Recent News & Updates

J Trust Co., Ltd. to Report Fiscal Year 2024 Results on Feb 13, 2025

New minor risk - Share price stability

Second quarter 2024 earnings released: EPS: JP¥19.95 (vs JP¥49.13 in 2Q 2023)

Dividend of JP¥14.00 announced

Investor sentiment deteriorates as stock falls 24%

New minor risk - Profit margin trend

Recent updates

J Trust Co., Ltd. to Report Fiscal Year 2024 Results on Feb 13, 2025

New minor risk - Share price stability

Second quarter 2024 earnings released: EPS: JP¥19.95 (vs JP¥49.13 in 2Q 2023)

Dividend of JP¥14.00 announced

Investor sentiment deteriorates as stock falls 24%

New minor risk - Profit margin trend

Less than half of directors are independent

Full year 2023 earnings released: EPS: JP¥122 (vs JP¥111 in FY 2022)

J Trust Co., Ltd. to Report Q1, 2024 Results on May 14, 2024

J Trust Co., Ltd., Annual General Meeting, Mar 26, 2024

Full year 2023 earnings released: EPS: JP¥122 (vs JP¥111 in FY 2022)

Group Lease Public Company Limited Announces Update on the Civil Case Filed by Group Lease Public Company Limited Against J Trust Co., Ltd. and Other 3 Defendants

J Trust Co., Ltd. (TSE:8508) announces an Equity Buyback for 4,000,000 shares, representing 2.91% for ¥2,000 million.

Upcoming dividend of JP¥13.00 per share at 3.1% yield

J Trust Co., Ltd. to Report Fiscal Year 2023 Results on Feb 13, 2024

Third quarter 2023 earnings released: EPS: JP¥16.80 (vs JP¥9.91 in 3Q 2022)

First quarter 2023 earnings released: EPS: JP¥70.15 (vs JP¥34.27 in 1Q 2022)

J Trust Co., Ltd. to Report Q2, 2023 Results on Aug 10, 2023

Full year 2022 earnings released: EPS: JP¥111 (vs JP¥35.60 in FY 2021)

Investor sentiment deteriorates as stock falls 17%

Full year 2022 earnings released: EPS: JP¥111 (vs JP¥35.60 in FY 2021)

Investor sentiment deteriorates as stock falls 16%

Upcoming dividend of JP¥10.00 per share

J Trust Co., Ltd. to Report Fiscal Year 2022 Results on Feb 14, 2023

Less than half of directors are independent

J Trust Co., Ltd. (TSE:8508) entered into a merger agreement to acquire Mirainovate Co., Ltd. (TSE:3528) from the group of shareholders ¥13.2 billion.

J Trust Co., Ltd. to Report Q3, 2022 Results on Nov 14, 2022

Investor sentiment improved over the past week

Second quarter 2022 earnings released

J Trust Co., Ltd. to Report Q2, 2022 Results on Aug 12, 2022

Investor sentiment improved over the past week

First quarter 2022 earnings released: EPS: JP¥34.27 (vs JP¥26.72 in 1Q 2021)

Less than half of directors are independent

J Trust Co., Ltd. to Report Q1, 2022 Results on May 13, 2022

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

J Trust Co., Ltd., Annual General Meeting, Mar 30, 2022

J Trust Co., Ltd. (TSE:8508) agreed to acquire H.S. Securities Co., Ltd. from HS Holdings Co.,Ltd. (JASDAQ:8699) for ¥ 5.5 billion.

Full year 2020 earnings released: JP¥89.26 loss per share (vs JP¥62.50 loss in FY 2019)

Full year 2020 earnings released: JP¥89.26 loss per share (vs JP¥62.50 loss in FY 2019)

J Trust Co., Ltd., Annual General Meeting, Mar 25, 2021

New 90-day high: €1.99

New 90-day low: €1.53

Upcoming Dividend of JP¥1.00 Per Share

New 90-day low: €1.56

J Trust Co., Ltd. to Report Fiscal Year 2020 Results on Feb 15, 2021

J Trust Co., Ltd. (TSE:8508) completed the acquisition of Prospect Energy Management Co., Ltd. from Prospect Co., Ltd. (TSE:3528).

New 90-day low: €1.73

VI Investment Corporation entered into an agreement to acquire JT Savings Bank Co., Ltd. from J Trust Co., Ltd. (TSE:8508) for approximately KRW 150 billion.

New 90-day low: €1.77

Group Lease PCL Files Civil Lawsuit in the Kingdom of Thailand Against J Trust Co., Ltd and J Trust Asia Pte Ltd

The Proceeding of Civil Case of Group Lease Public Company Limited Against J Trust Co. Ltd. and Other 3 Defendants

J Trust Co., Ltd. to Report Q3, 2020 Results on Nov 11, 2020

Unknown buyer acquired Amusement Arcade Business of J Trust Co., Ltd. (TSE:8508).

J Trust Co., Ltd. to Report Q2, 2020 Results on Aug 12, 2020

Shareholder Returns

Price Volatility

About the Company

J Trust Co., Ltd. Fundamentals Summary

17.3x