JACCS Co., Ltd.

TSE:8584 Stock Report

Market Cap: JP¥132.5b

JACCS Valuation

Is 8584 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • 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 8584 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 8584 (¥3815) is trading below our estimate of fair value (¥11119.54)

Significantly Below Fair Value: 8584 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 8584?

Key metric: As 8584 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 8584. This is calculated by dividing 8584's market cap by their current earnings.
What is 8584's PE Ratio?
PE Ratio5.9x
EarningsJP¥22.65b
Market CapJP¥132.52b

Price to Earnings Ratio vs Peers

How does 8584's PE Ratio compare to its peers?

The above table shows the PE ratio for 8584 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.9x
8585 Orient
23.1x21.4%JP¥142.8b
8515 Aiful
7x13.3%JP¥156.1b
7199 Premium Group
18x19.4%JP¥95.8b
8570 AEON Financial Service
11.5x14.1%JP¥268.5b
8584 JACCS
5.9x-5.0%JP¥132.5b

Price-To-Earnings vs Peers: 8584 is good value based on its Price-To-Earnings Ratio (5.9x) compared to the peer average (14.9x).

Price to Earnings Ratio vs Industry

How does 8584's PE Ratio compare vs other companies in the Asian Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
8584 5.9xIndustry Avg. 14.2xNo. of Companies24PE01020304050+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 8584 is good value based on its Price-To-Earnings Ratio (5.9x) compared to the Asian Consumer Finance industry average (14.3x).

Price to Earnings Ratio vs Fair Ratio

What is 8584'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.

8584 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.9x
Fair PE Ratio10.4x

Price-To-Earnings vs Fair Ratio: 8584 is good value based on its Price-To-Earnings Ratio (5.9x) compared to the estimated Fair Price-To-Earnings Ratio (10.4x).

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 8584 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentJP¥3,815.00
JP¥4,100.00
+7.5%
2.4%JP¥4,200.00JP¥4,000.00n/a2
Nov ’25JP¥3,750.00
JP¥4,100.00
+9.3%
2.4%JP¥4,200.00JP¥4,000.00n/a2
Oct ’25JP¥3,870.00
JP¥4,550.00
+17.6%
7.7%JP¥4,900.00JP¥4,200.00n/a2
Sep ’25JP¥3,970.00
JP¥5,950.00
+49.9%
17.6%JP¥7,000.00JP¥4,900.00n/a2
Aug ’25JP¥4,715.00
JP¥5,950.00
+26.2%
17.6%JP¥7,000.00JP¥4,900.00n/a2
Jul ’25JP¥4,680.00
JP¥5,950.00
+27.1%
17.6%JP¥7,000.00JP¥4,900.00n/a2
Jun ’25JP¥4,860.00
JP¥6,150.00
+26.5%
4.1%JP¥6,400.00JP¥5,900.00n/a2
May ’25JP¥5,620.00
JP¥6,150.00
+9.4%
4.1%JP¥6,400.00JP¥5,900.00n/a2
Apr ’25JP¥5,450.00
JP¥6,150.00
+12.8%
4.1%JP¥6,400.00JP¥5,900.00n/a2
Mar ’25JP¥5,450.00
JP¥6,150.00
+12.8%
4.1%JP¥6,400.00JP¥5,900.00n/a2
Feb ’25JP¥5,620.00
JP¥6,150.00
+9.4%
4.1%JP¥6,400.00JP¥5,900.00n/a2
Jan ’25JP¥5,190.00
JP¥5,825.00
+12.2%
9.9%JP¥6,400.00JP¥5,250.00n/a2
Dec ’24JP¥5,380.00
JP¥5,575.00
+3.6%
5.8%JP¥5,900.00JP¥5,250.00n/a2
Nov ’24JP¥5,160.00
JP¥5,575.00
+8.0%
5.8%JP¥5,900.00JP¥5,250.00JP¥3,750.002
Oct ’24JP¥5,160.00
JP¥5,575.00
+8.0%
5.8%JP¥5,900.00JP¥5,250.00JP¥3,870.002
Sep ’24JP¥5,110.00
JP¥5,575.00
+9.1%
5.8%JP¥5,900.00JP¥5,250.00JP¥3,970.002
Aug ’24JP¥5,180.00
JP¥5,650.00
+9.1%
4.4%JP¥5,900.00JP¥5,400.00JP¥4,715.002
Jul ’24JP¥5,020.00
JP¥5,650.00
+12.5%
4.4%JP¥5,900.00JP¥5,400.00JP¥4,680.002
Jun ’24JP¥4,525.00
JP¥4,900.00
+8.3%
8.2%JP¥5,300.00JP¥4,500.00JP¥4,860.002
May ’24JP¥4,575.00
JP¥4,900.00
+7.1%
8.2%JP¥5,300.00JP¥4,500.00JP¥5,620.002
Apr ’24JP¥4,390.00
JP¥4,900.00
+11.6%
8.2%JP¥5,300.00JP¥4,500.00JP¥5,450.002
Jan ’24JP¥4,125.00
JP¥4,050.00
-1.8%
8.6%JP¥4,400.00JP¥3,700.00JP¥5,190.002
Dec ’23JP¥3,930.00
JP¥4,050.00
+3.1%
8.6%JP¥4,400.00JP¥3,700.00JP¥5,380.002
Nov ’23JP¥3,715.00
JP¥4,000.00
+7.7%
7.5%JP¥4,300.00JP¥3,700.00JP¥5,160.002

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

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