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Updated 11m ago
AEOJ.F logo

AEON Financial Service Co., Ltd.OTCPK:AEOJ.F Stock Report

Market Cap US$2.1b
Updated 11m ago
Share Price
n/a
1Yn/a
7D0%
Portfolio Value
​
View

AEON Financial Service Co., Ltd.

OTCPK:AEOJ.F Stock Report

Market Cap: US$2.1b

  • Company Overview
    • Valuation
    • Future Growth
    • Past Performance
    • Financial Health
    • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

AEON Financial Service (AEOJ.F) Stock Overview

Through its subsidiaries, provides various financial services in Japan and internationally. More details

AEOJ.F fundamental analysis
Snowflake Score
Valuation0/6
Future Growth3/6
Past Performance1/6
Financial Health4/6
Dividends2/6

Rewards

Price-To-Earnings ratio (17.8x) is below the US market (18.9x)

Earnings are forecast to grow 22.43% per year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record


AEOJ.F Community Fair Values

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US$
Current Price
US$8.57Fairly Valued intrinsic discount
%/yr
Decrease
Increase
PastFuture0702b2016201920222025202620282031Revenue JP¥701.9bEarnings JP¥25.7b
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AEON Financial Service Co., Ltd. Competitors

Happen

Symbol: NasdaqGS:HAPN
Market cap: US$1.9b

EZCORP

Symbol: NasdaqGS:EZPW
Market cap: US$2.0b

Encore Capital Group

Symbol: NasdaqGS:ECPG
Market cap: US$2.1b

PROG Holdings

Symbol: NYSE:PRG
Market cap: US$1.5b

Price History & Performance

Summary of share price highs, lows and changes for AEON Financial Service
Historical stock prices
Current Share PriceJP¥8.57
52 Week HighJP¥8.57
52 Week LowJP¥7.75
Beta0.17
1 Month Change0%
3 Month Changen/a
1 Year Changen/a
3 Year Changen/a
5 Year Changen/a
Change since IPO-88.42%

Recent News & Updates

Recent updates

Shareholder Returns

AEOJ.FUS Consumer FinanceUS Market
7D0%-2.3%-1.5%
1Yn/a-4.3%13.3%

Return vs Industry: Insufficient data to determine how AEOJ.F performed against the US Consumer Finance industry.

Return vs Market: Insufficient data to determine how AEOJ.F performed against the US Market.

Price Volatility

Is AEOJ.F's price volatile compared to industry and market?
AEOJ.F volatility
AEOJ.F Average Weekly Movementn/a
Consumer Finance Industry Average Movement7.0%
Market Average Movement6.9%
10% most volatile stocks in US Market15.3%
10% least volatile stocks in US Market2.9%

Stable Share Price: AEOJ.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine AEOJ.F's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1981n/aTomoharu Fukayamawww.aeonfinancial.co.jp

AEON Financial Service Co., Ltd., through its subsidiaries, provides various financial services in Japan. It operates in five segments: Retail, Solutions, China Area, Mekong Area, and Malaysia Area. The company engages in banking and insurance business; provision of financial services, including database of processing and installment payments, as well as credit cards and loans.

AEON Financial Service Co., Ltd. Fundamentals Summary

How do AEON Financial Service's earnings and revenue compare to its market cap?
AEOJ.F fundamental statistics
Market capUS$2.10b
Earnings (TTM)US$118.15m
Revenue (TTM)US$3.22b
17.8x
P/E Ratio
0.7x
P/S Ratio

Is AEOJ.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AEOJ.F income statement (TTM)
RevenueJP¥492.70b
Cost of RevenueJP¥0
Gross ProfitJP¥492.70b
Other ExpensesJP¥474.64b
EarningsJP¥18.06b

Last Reported Earnings

Aug 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)83.64
Gross Margin100.00%
Net Profit Margin3.66%
Debt/Equity Ratio219.8%

How did AEOJ.F perform over the long term?

See historical performance and comparison

Dividends

3.6%
Current Dividend Yield
63%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/26 11:57
End of Day Share Price 2025/07/29 00:00
Earnings2025/08/31
Annual Earnings2025/02/28

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

AEON Financial Service Co., Ltd. is covered by 18 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Yuki YaginumaBofA Global Research
Koichi NiwaCitigroup Inc
Kazuki WatanabeDaiwa Securities Co. Ltd.

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