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Financial services arm of the AEON retail group, issuing AEON credit cards and operating banking services in Japan and Asia.
Financial services arm of the AEON retail group, issuing AEON credit cards and operating banking services in Japan and Asia.
Earns from interest on card revolving balances and instalment loans, merchant fees on card spending, and bank interest, with the AEON stores supplying much of the card base through shopper discounts and points. Subsidiaries in Southeast Asia and Hong Kong add a second leg.
In one line: A retailer-affiliated financial arm like a smaller Synchrony/Target-card model.
Moat: narrow (distribution, scale, brand). Captive distribution through AEON's large retail store network across Japan and Asia.
Headquarters: Chiba, Japan · Founded: 1981 · Employees: 14,942
Size AEON Financial Service (8570.T) is a Japan Financials company (Finance/Rental/Leasing) with a market value of $1.95B, the 494th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥1,424 on 6 Nov 2026.
Performance Over six months the shares fell 8.6%, against -5.1% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue grew 8.4% over the last twelve months (peer median +16.1%); the operating margin is 10.3% (peer median 12.6%).
Valuation It trades at 0.67× book value against a peer median of 1.86× (2nd cheapest of 21).
Price implies The share price implies a return on equity of about 5.2%; AEON Financial Service delivers 4.9%, so the price asks more than the business earns today.
Next results Next results expected around 14 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥581B | ¥550B | ¥513B | ¥470B | ¥436B |
| Revenue growth | — | +7% | +9% | +8% | — |
| Gross profit | ¥454B | ¥475B | ¥460B | ¥421B | ¥388B |
| EBITDA | ¥76.6B | ¥196B | ¥189B | ¥164B | ¥156B |
| Net income | ¥22.4B | ¥21.1B | ¥15.6B | ¥20.9B | ¥30.7B |
| Free cash flow | n/a | ¥343B | ¥41.0B | -¥15.3B | -¥107B |
| Capital expenditure | n/a | ¥36.9B | ¥39.6B | ¥45.1B | ¥33.9B |
| Total debt | ¥6.85T | ¥6.92T | ¥6.52T | ¥5.85T | ¥5.61T |
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.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| AEON Financial Service 8570.T | $1.95B | -9% | +8% | 5% | 0.67× | 5.2% |
| Credit Saison 8253.T | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% |
| Jaccs 8584.T | $935M | -19% | +2% | 6% | 0.49× | 3.8% |
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 | 8570.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -5.4% | -3.4% | 6th lowest of 21 |
| 6-month return | -8.6% | -5.1% | 10th lowest of 21 |
| Return on equity | 4.9% | 13.0% | 8th lowest of 21 |
| Price / book | 0.67× | 1.86× | 2nd cheapest of 21 |
| Trailing P/E | 13.7× | 16.6× | 8th cheapest of 19 |
| ROE the price implies | 5.2% | 21.6% | 3rd least demanding of 21 |
| ROE delivered | 4.9% | 13.3% | 6th lowest of 18 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| AEON Financial Service 8570.T | Japan | $1.95B | -9% | +8% | 5% | 0.67× | 5.2% | 4.9% |
| Aadhar Housing Finance AADHARHFC.NS | India | $1.99B | -14% | +18% | 16% | 2.48× | 31.1% | n/a |
| Federal Agricultural Mortgage AGM | United States | $1.90B | 0% | +31% | 13% | 1.56× | 14.0% | 13.5% |
| CreditAccess Grameen CREDITACC.NS | India | $1.84B | -27% | +17% | 20% | 1.95× | 20.5% | 19.7% |
| Custom Truck One Source CTOS | United States | $2.12B | -4% | +6% | 4% | 2.58× | 26.7% | 3.7% |
| Upstart UPST | United States | $2.17B | -24% | +39% | 8% | 2.44× | 37.8% | 8.0% |
| EZCORP EZPW | United States | $1.75B | -15% | +29% | 15% | 1.51× | 11.5% | 14.7% |
| IFCI IFCI.NS | India | $1.75B | -4% | -3% | 2% | 1.85× | 36.2% | n/a |
| Zip ZIP.AX | Australia | $1.74B | -17% | +24% | 17% | 3.74× | 66.6% | 16.8% |
| Greatoo Intelligent Equipment 002031.SZ | China | $1.68B | -11% | -20% | -13% | 6.07× | 54.9% | -13.5% |
| Fuyo General Lease 8424.T | Japan | $2.34B | -6% | +19% | 5% | 0.72× | 4.8% | 4.5% |
| Metro Bank MTRO.L | United Kingdom | $1.63B | +22% | +1% | 4% | 0.94× | 12.1% | 4.3% |
| Sammaan Capital SAMMAANCAP.NS | India | $1.61B | -13% | -60% | -35% | 0.80× | 14.2% | n/a |
| Encore Capital ECPG | United States | $2.42B | +36% | +29% | 31% | 2.24× | 21.7% | 30.5% |
| LOTTE rental 089860.KS | South Korea | $1.56B | +74% | +4% | 8% | 1.34× | 6.3% | 7.7% |
| UWM UWMC | United States | $2.44B | -56% | +16% | 2% | 2.67× | 32.8% | 2.1% |
| Capri Global Capital CGCL.NS | India | $2.44B | +20% | +53% | 18% | 2.90× | 21.5% | 17.9% |
| Mizuho Leasing 8425.T | Japan | $2.45B | -13% | +16% | 13% | 0.77× | 6.0% | 13.3% |
| PROG PRG | United States | $1.47B | +4% | +10% | 17% | 1.82× | 23.0% | 17.3% |
| China Development Bank Financial Leasing 1606.HK | Hong Kong | $2.66B | +4% | -5% | 13% | 0.40× | 4.5% | 12.6% |
| Upbound UPBD | United States | $1.41B | +29% | +3% | 16% | 1.88× | 23.5% | 15.5% |