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67J

AEON Financial Service DB:67J Stock Report

Last Price

JP¥8.60

Market Cap

JP¥1.9b

7D

2.4%

1Y

-10.9%

Updated

24 May, 2022

Data

Company Financials +
67J fundamental analysis
Snowflake Score
Valuation5/6
Future Growth1/6
Past Performance4/6
Financial Health4/6
Dividends3/6

67J Stock Overview

AEON Financial Service Co., Ltd., through its subsidiaries, provides various financial services in Japan, Thailand, Malaysia, and other Asian countries.

AEON Financial Service Competitors

Price History & Performance

Summary of all time highs, changes and price drops for AEON Financial Service
Historical stock prices
Current Share PriceJP¥8.60
52 Week HighJP¥11.70
52 Week LowJP¥8.15
Beta0.96
1 Month Change2.99%
3 Month Change-7.53%
1 Year Change-10.88%
3 Year Changen/a
5 Year Changen/a
Change since IPO-4.71%

Recent News & Updates

Shareholder Returns

67JDE Consumer FinanceDE Market
7D2.4%3.1%-0.4%
1Y-10.9%-30.6%-12.4%

Return vs Industry: 67J exceeded the German Consumer Finance industry which returned -30.6% over the past year.

Return vs Market: 67J exceeded the German Market which returned -12.4% over the past year.

Price Volatility

Is 67J's price volatile compared to industry and market?
67J volatility
67J Average Weekly Movement3.7%
Consumer Finance Industry Average Movement6.5%
Market Average Movement6.3%
10% most volatile stocks in DE Market10.6%
10% least volatile stocks in DE Market3.4%

Stable Share Price: 67J is less volatile than 75% of German stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: 67J's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1980n/aKenji Fujitahttps://www.aeonfinancial.co.jp

AEON Financial Service Co., Ltd., through its subsidiaries, provides various financial services in Japan, Thailand, Malaysia, and other Asian countries. It operates through five segments: Retail, Solutions, China Area, Mekong Area, Malay Area. The company engages in processing, banking, short-term insurance, bank agency, ATM, credit guarantee, acquiring, Internet, housing and other loans, credit management, property leases, installment sales, hire purchase contracts, life and non-life insurance agency, life insurance sales, loan purchases, credit card purchase contracts, collection and payment agency, guarantee, credit card, and electronic money businesses.

AEON Financial Service Fundamentals Summary

How do AEON Financial Service's earnings and revenue compare to its market cap?
67J fundamental statistics
Market CapJP¥255.34b
Earnings (TTM)JP¥30.21b
Revenue (TTM)JP¥452.33b

8.5x

P/E Ratio

0.6x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
67J income statement (TTM)
RevenueJP¥452.33b
Cost of RevenueJP¥0
Gross ProfitJP¥452.33b
Other ExpensesJP¥422.11b
EarningsJP¥30.21b

Last Reported Earnings

Feb 28, 2022

Next Earnings Date

n/a

Earnings per share (EPS)139.98
Gross Margin100.00%
Net Profit Margin6.68%
Debt/Equity Ratio207.4%

How did 67J perform over the long term?

See historical performance and comparison

Dividends

4.2%

Current Dividend Yield

33%

Payout Ratio

Valuation

Is AEON Financial Service undervalued compared to its fair value and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


28.0%

Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: 67J (€8.6) is trading below our estimate of fair value (€11.95)

Significantly Below Fair Value: 67J is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: 67J is good value based on its Price-To-Earnings Ratio (8.5x) compared to the European Consumer Finance industry average (10.8x).

PE vs Market: 67J is good value based on its Price-To-Earnings Ratio (8.5x) compared to the German market (17.4x).


Price to Earnings Growth Ratio

PEG Ratio: 67J is poor value based on its PEG Ratio (1.2x)


Price to Book Ratio

PB vs Industry: 67J is good value based on its Price-To-Book Ratio (0.6x) compared to the XE Consumer Finance industry average (1x).


Future Growth

How is AEON Financial Service forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?

Future Growth Score

1/6

Future Growth Score 1/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


7.0%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 67J's forecast earnings growth (7% per year) is above the savings rate (-0.05%).

Earnings vs Market: 67J's earnings (7% per year) are forecast to grow slower than the German market (7.5% per year).

High Growth Earnings: 67J's earnings are forecast to grow, but not significantly.

Revenue vs Market: 67J's revenue (4.4% per year) is forecast to grow slower than the German market (4.6% per year).

High Growth Revenue: 67J's revenue (4.4% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 67J's Return on Equity is forecast to be low in 3 years time (7.8%).


Past Performance

How has AEON Financial Service performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-7.7%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 67J has high quality earnings.

Growing Profit Margin: 67J's current net profit margins (6.7%) are higher than last year (3.8%).


Past Earnings Growth Analysis

Earnings Trend: 67J's earnings have declined by 7.7% per year over the past 5 years.

Accelerating Growth: 67J's earnings growth over the past year (70.8%) exceeds its 5-year average (-7.7% per year).

Earnings vs Industry: 67J earnings growth over the past year (70.8%) exceeded the Consumer Finance industry 25%.


Return on Equity

High ROE: 67J's Return on Equity (8.1%) is considered low.


Financial Health

How is AEON Financial Service's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

4/6

Financial Health Score 4/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 67J's Assets to Equity ratio (12.3x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if 67J has a sufficient allowance for bad loans.

Low Risk Liabilities: 72% of 67J's liabilities are made up of primarily low risk sources of funding.

Loan Level: 67J has an appropriate level of Loans to Assets ratio (69%).

Low Risk Deposits: 67J's Loans to Deposits ratio (104%) is appropriate.

Level of Bad Loans: Insufficient data to determine if 67J has an appropriate level of bad loans.


Dividend

What is AEON Financial Service current dividend yield, its reliability and sustainability?

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


4.23%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: 67J's dividend (4.23%) is higher than the bottom 25% of dividend payers in the German market (1.37%).

High Dividend: 67J's dividend (4.23%) is low compared to the top 25% of dividend payers in the German market (4.25%).


Stability and Growth of Payments

Stable Dividend: 67J's dividend payments have been volatile in the past 10 years.

Growing Dividend: 67J's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (32.9%), 67J's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

1.3yrs

Average management tenure


CEO

Kenji Fujita (52 yo)

2yrs

Tenure

Mr. Kenji Fujita serves as President, Chief Executive Officer and Director at AEON Financial Service Co., Ltd. since May 2020. He had been the Managing Director of AEON Thana Sinsap (Thailand) Public Compa...


Leadership Team

Experienced Management: 67J's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.


Board Members

Experienced Board: 67J's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

AEON Financial Service Co., Ltd.'s employee growth, exchange listings and data sources


Key Information

  • Name: AEON Financial Service Co., Ltd.
  • Ticker: 67J
  • Exchange: DB
  • Founded: 1980
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: JP¥255.336b
  • Listing Market Cap: JP¥1.881b
  • Shares outstanding: 215.84m
  • Website: https://www.aeonfinancial.co.jp

Number of Employees


Location

  • AEON Financial Service Co., Ltd.
  • Terrace Square
  • 3-22, Kandanishiki-cho
  • Tokyo
  • 101-0054
  • Japan

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/24 00:00
End of Day Share Price2022/05/24 00:00
Earnings2022/02/28
Annual Earnings2022/02/28


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.