AEON Financial Service Co., Ltd.

TSE:8570 Stock Report

Market Cap: JP¥281.6b

AEON Financial Service Valuation

Is 8570 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 8570 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 8570 (¥1304.5) is trading below our estimate of fair value (¥1837.88)

Significantly Below Fair Value: 8570 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 8570?

Other financial metrics that can be useful for relative valuation.

8570 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1x

Price to Earnings Ratio vs Peers

How does 8570's PE Ratio compare to its peers?

The above table shows the PE ratio for 8570 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.9x
8515 Aiful
11.2x16.9%JP¥223.5b
8585 Orient
9.5x9.9%JP¥173.9b
8252 Marui Group
21.8x10.4%JP¥448.6b
8584 JACCS
9x7.4%JP¥195.0b
8570 AEON Financial Service
16.4x16.8%JP¥281.6b

Price-To-Earnings vs Peers: 8570 is expensive based on its Price-To-Earnings Ratio (16.4x) compared to the peer average (12.9x).

Price to Earnings Ratio vs Industry

How does 8570's PE Ratio compare vs other companies in the Asian Consumer Finance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a9.7%
 n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a9.7%
 n/an/an/a
No more companies

Price-To-Earnings vs Industry: 8570 is expensive based on its Price-To-Earnings Ratio (16.4x) compared to the Asian Consumer Finance industry average (15.1x).

Price to Earnings Ratio vs Fair Ratio

What is 8570'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.

8570 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio16.4x
Fair PE Ratio19.3x

Price-To-Earnings vs Fair Ratio: 8570 is good value based on its Price-To-Earnings Ratio (16.4x) compared to the estimated Fair Price-To-Earnings Ratio (19.3x).

Analyst Price Targets

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

The above table shows the analyst 8570 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentJP¥1,304.50
JP¥1,345.29
+3.1%
7.0%JP¥1,447.00JP¥1,160.00n/a7
Apr ’25JP¥1,373.00
JP¥1,363.75
-0.7%
9.5%JP¥1,550.00JP¥1,140.00n/a8
Mar ’25JP¥1,312.00
JP¥1,360.00
+3.7%
9.0%JP¥1,550.00JP¥1,140.00n/a9
Feb ’25JP¥1,332.50
JP¥1,332.22
-0.02%
9.3%JP¥1,550.00JP¥1,140.00n/a9
Jan ’25JP¥1,265.00
JP¥1,334.44
+5.5%
9.1%JP¥1,550.00JP¥1,140.00n/a9
Dec ’24JP¥1,279.50
JP¥1,327.00
+3.7%
9.3%JP¥1,550.00JP¥1,140.00n/a10
Nov ’24JP¥1,260.50
JP¥1,327.00
+5.3%
9.3%JP¥1,550.00JP¥1,140.00n/a10
Oct ’24JP¥1,288.50
JP¥1,358.89
+5.5%
7.9%JP¥1,550.00JP¥1,210.00n/a9
Sep ’24JP¥1,269.00
JP¥1,348.75
+6.3%
8.1%JP¥1,550.00JP¥1,210.00n/a8
Aug ’24JP¥1,268.00
JP¥1,348.75
+6.4%
8.1%JP¥1,550.00JP¥1,210.00n/a8
Jul ’24JP¥1,282.00
JP¥1,433.75
+11.8%
6.2%JP¥1,550.00JP¥1,300.00n/a8
Jun ’24JP¥1,210.00
JP¥1,421.25
+17.5%
6.0%JP¥1,550.00JP¥1,300.00n/a8
May ’24JP¥1,223.00
JP¥1,445.56
+18.2%
7.3%JP¥1,640.00JP¥1,300.00JP¥1,308.509
Apr ’24JP¥1,234.00
JP¥1,478.89
+19.8%
6.7%JP¥1,640.00JP¥1,300.00JP¥1,373.009
Mar ’24JP¥1,308.00
JP¥1,478.89
+13.1%
6.7%JP¥1,640.00JP¥1,300.00JP¥1,312.009
Feb ’24JP¥1,303.00
JP¥1,481.00
+13.7%
6.4%JP¥1,640.00JP¥1,300.00JP¥1,332.5010
Jan ’24JP¥1,400.00
JP¥1,506.36
+7.6%
4.6%JP¥1,610.00JP¥1,380.00JP¥1,265.0011
Dec ’23JP¥1,430.00
JP¥1,506.36
+5.3%
4.6%JP¥1,610.00JP¥1,380.00JP¥1,279.5011
Nov ’23JP¥1,442.00
JP¥1,506.36
+4.5%
4.6%JP¥1,610.00JP¥1,380.00JP¥1,260.5011
Oct ’23JP¥1,432.00
JP¥1,432.73
+0.05%
9.3%JP¥1,570.00JP¥1,170.00JP¥1,288.5011
Sep ’23JP¥1,453.00
JP¥1,419.09
-2.3%
9.4%JP¥1,570.00JP¥1,170.00JP¥1,269.0011
Aug ’23JP¥1,443.00
JP¥1,391.82
-3.5%
10.4%JP¥1,570.00JP¥1,170.00JP¥1,268.0011
Jul ’23JP¥1,247.00
JP¥1,373.64
+10.2%
10.4%JP¥1,570.00JP¥1,170.00JP¥1,282.0011
Jun ’23JP¥1,237.00
JP¥1,354.00
+9.5%
10.7%JP¥1,600.00JP¥1,170.00JP¥1,210.0010
May ’23JP¥1,193.00
JP¥1,369.00
+14.8%
11.1%JP¥1,600.00JP¥1,170.00JP¥1,223.0010

Analyst Forecast: Target price is less than 20% higher than the current share price.

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