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Employees: 3,100
Size J Trust (8508.T) is a Japan Financials company (Finance/Rental/Leasing) with a market value of $563M, the 1004th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥716 on 6 Nov 2026.
Performance Over six months the shares gained 7.2%, against -2.9% for the median peer and +1.8% for the Japan market (cap-weighted) — 3rd highest of 19 in its peer set.
Growth Revenue grew 4.3% over the last twelve months (peer median +9.6%); the operating margin is 10.5% (peer median 25.4%).
Valuation It trades at 0.59× book value against a peer median of 1.33× (3rd cheapest of 20).
Price implies The share price implies a return on equity of about 5.4%; J Trust delivers 9.1%, so the price asks less than the business earns today.
Next results Next results expected around 13 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥130B | ¥128B | ¥129B | ¥115B | ¥82.1B |
| Revenue growth | — | -1% | +12% | +40% | — |
| Gross profit | ¥52.3B | ¥60.8B | ¥54.4B | ¥47.2B | ¥46.0B |
| EBITDA | ¥17.6B | ¥15.2B | ¥11.6B | ¥1.68B | ¥10.9B |
| Net income | ¥12.7B | ¥7.94B | ¥6.04B | ¥16.3B | ¥12.6B |
| Free cash flow | ¥17.4B | -¥35.7B | ¥4.80B | -¥41.5B | -¥87.8B |
| Capital expenditure | ¥6.67B | ¥5.33B | ¥3.03B | ¥1.16B | ¥1.31B |
| Total debt | ¥1.01T | ¥1.07T | ¥1.02T | ¥977B | ¥907B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 8508.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -10.3% | -1.1% | 6th lowest of 21 |
| 6-month return | +7.2% | -2.9% | 3rd highest of 19 |
| Return on equity | 9.1% | 13.0% | 6th lowest of 20 |
| Price / book | 0.59× | 1.33× | 3rd cheapest of 20 |
| Trailing P/E | 7.5× | 9.7× | 7th cheapest of 19 |
| ROE the price implies | 5.4% | 13.1% | 4th least demanding of 20 |
| ROE delivered | 9.1% | 12.8% | 7th lowest of 18 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| J Trust 8508.T | Japan | $563M | +7% | +4% | 9% | 0.59× | 5.4% | 9.1% |
| Pepper Money PPM.AX | Australia | $553M | +6% | -1% | 13% | 0.90× | 13.1% | 13.0% |
| NEC Capital Solutions 8793.T | Japan | $550M | -1% | +27% | 8% | 0.63× | 4.8% | 8.5% |
| Hertz Global HTZ | United States | $585M | -64% | +3% | n/a | n/a | n/a | n/a |
| Grenke GLJ.DE | Germany | $535M | -21% | +14% | 6% | 0.40× | 5.8% | 6.2% |
| OppFi OPFI | United States | $526M | -34% | +6% | 38% | 9.07× | 108.9% | 38.4% |
| goeasy GSY.TO | Canada | $522M | +39% | +5% | -34% | 0.92× | 9.6% | -34.0% |
| Oportun Financial OPRT | United States | $520M | +97% | 0% | 9% | 1.20× | 13.0% | 9.1% |
| LendingTree TREE | United States | $520M | -5% | +23% | 51% | 2.05× | 27.3% | 51.4% |
| MAS Financial Services MASFIN.NS | India | $512M | -24% | +23% | 14% | 1.50× | 18.8% | 13.8% |
| Fedbank Financial Services FEDFINA.NS | India | $621M | +3% | +20% | 15% | 1.85× | 15.9% | 14.8% |
| Latitude LFS.AX | Australia | $623M | -6% | +4% | 9% | 0.70× | 7.6% | 8.7% |
| Chrysos C79.AX | Australia | $501M | 0% | -9% | 1% | 3.65× | 38.0% | 0.9% |
| MCAN Mortgage MKP.TO | Canada | $635M | -13% | +14% | 13% | 1.33× | 8.4% | 12.8% |
| Rentomojo RENTOMOJO.NS | India | $638M | n/a | +45% | 44% | 18.75× | 176.8% | n/a |
| Northern Arc Capital NORTHARC.NS | India | $487M | 0% | +28% | 12% | 1.09× | 20.4% | 12.1% |
| Onemi Technology Solutions KISSHT.NS | India | $652M | n/a | +63% | 24% | 2.97× | 21.9% | n/a |
| Qfin 3660.HK | Hong Kong | $664M | -60% | -8% | 15% | 0.18× | 4.1% | 15.1% |
| World Acceptance WRLD | United States | $671M | 0% | +5% | 14% | 1.92× | 18.4% | 14.1% |
| Aspial Lifestyle 5UF.SI | Singapore | $470M | -32% | +32% | 31% | 1.40× | 6.8% | 30.6% |
| AEON Credit Service (Asia) 0900.HK | Hong Kong | $463M | +2% | +4% | 11% | 0.79× | 4.8% | 11.0% |