8570 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
|Historical stock prices|
|Current Share Price||JP¥1,172.00|
|52 Week High||JP¥1,583.00|
|52 Week Low||JP¥1,055.00|
|1 Month Change||-1.18%|
|3 Month Change||-8.72%|
|1 Year Change||-10.12%|
|3 Year Change||-33.71%|
|5 Year Change||-49.00%|
|Change since IPO||219.02%|
Recent News & Updates
|8570||JP Consumer Finance||JP Market|
Return vs Industry: 8570 underperformed the JP Consumer Finance industry which returned -5.2% over the past year.
Return vs Market: 8570 underperformed the JP Market which returned -2.5% over the past year.
|8570 Average Weekly Movement||4.7%|
|Consumer Finance Industry Average Movement||5.2%|
|Market Average Movement||4.6%|
|10% most volatile stocks in JP Market||9.1%|
|10% least volatile stocks in JP Market||2.5%|
Stable Share Price: 8570 is not significantly more volatile than the rest of JP stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: 8570's weekly volatility (5%) has been stable over the past year.
About the Company
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
|8570 fundamental statistics|
Is 8570 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|8570 income statement (TTM)|
|Cost of Revenue||JP¥0|
Last Reported Earnings
Feb 28, 2022
Next Earnings Date
|Earnings per share (EPS)||139.98|
|Net Profit Margin||6.68%|
How did 8570 perform over the long term?See historical performance and comparison
4.3%Current Dividend Yield
Is AEON Financial Service undervalued compared to its fair value and its price relative to the market?
Valuation Score 5/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 8570 (¥1172) is trading below our estimate of fair value (¥2621.38)
Significantly Below Fair Value: 8570 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 8570 is good value based on its PE Ratio (8.4x) compared to the JP Consumer Finance industry average (11.2x).
PE vs Market: 8570 is good value based on its PE Ratio (8.4x) compared to the JP market (12.1x).
Price to Earnings Growth Ratio
PEG Ratio: 8570 is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: 8570 is good value based on its PB Ratio (0.6x) compared to the JP Consumer Finance industry average (1.1x).
How is AEON Financial Service forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 8570's forecast earnings growth (7% per year) is above the savings rate (0.02%).
Earnings vs Market: 8570's earnings (7% per year) are forecast to grow slower than the JP market (8.8% per year).
High Growth Earnings: 8570's earnings are forecast to grow, but not significantly.
Revenue vs Market: 8570's revenue (4.4% per year) is forecast to grow faster than the JP market (4.2% per year).
High Growth Revenue: 8570'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: 8570's Return on Equity is forecast to be low in 3 years time (7.8%).
How has AEON Financial Service performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 8570 has high quality earnings.
Growing Profit Margin: 8570's current net profit margins (6.7%) are higher than last year (3.8%).
Past Earnings Growth Analysis
Earnings Trend: 8570's earnings have declined by 7.7% per year over the past 5 years.
Accelerating Growth: 8570's earnings growth over the past year (70.8%) exceeds its 5-year average (-7.7% per year).
Earnings vs Industry: 8570 earnings growth over the past year (70.8%) exceeded the Consumer Finance industry 3.6%.
Return on Equity
High ROE: 8570's Return on Equity (8.1%) is considered low.
How is AEON Financial Service's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: 8570's Assets to Equity ratio (12.3x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if 8570 has a sufficient allowance for bad loans.
Low Risk Liabilities: 72% of 8570's liabilities are made up of primarily low risk sources of funding.
Loan Level: 8570 has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: 8570's Loans to Deposits ratio (104%) is appropriate.
Level of Bad Loans: Insufficient data to determine if 8570 has an appropriate level of bad loans.
What is AEON Financial Service current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 8570's dividend (4.27%) is higher than the bottom 25% of dividend payers in the JP market (1.61%).
High Dividend: 8570's dividend (4.27%) is in the top 25% of dividend payers in the JP market (3.61%)
Stability and Growth of Payments
Stable Dividend: 8570's dividend payments have been volatile in the past 10 years.
Growing Dividend: 8570's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (32.9%), 8570'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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Kenji Fujita (52 yo)
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...
Experienced Management: 8570's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
Experienced Board: 8570's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
AEON Financial Service Co., Ltd.'s employee growth, exchange listings and data sources
- Name: AEON Financial Service Co., Ltd.
- Ticker: 8570
- Exchange: TSE
- Founded: 1980
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: JP¥252.961b
- Shares outstanding: 215.84m
- Website: https://www.aeonfinancial.co.jp
Number of Employees
- AEON Financial Service Co., Ltd.
- Terrace Square
- 3-22, Kandanishiki-cho
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/16 00:00|
|End of Day Share Price||2022/05/16 00:00|
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.