Loading…
Japanese consumer credit company providing shopping/installment credit, auto loans and credit cards, affiliated with Mizuho.
Japanese consumer credit company providing shopping/installment credit, auto loans and credit cards, affiliated with Mizuho.
Earns interest and fees on installment loans, paid by borrowers and by the retail partners and car dealers that offer its credit at the checkout. Shopping credit and auto loans are the large lines, and losses on unpaid credit, more than volumes, are the swing factor.
Moat: narrow (distribution, scale). Retail partner network for point-of-sale credit built over decades.
Headquarters: Kitakyushu, Japan · Founded: 1954 · Employees: 5,532
Size Jaccs (8584.T) is a Japan Financials company (Finance/Rental/Leasing) with a market value of $935M, the 760th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥3,305 on 6 Nov 2026.
Performance Over six months the shares fell 18.9%, against -11.1% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue grew 1.9% over the last twelve months (peer median +10.0%); the operating margin is 26.9% (peer median 31.6%).
Valuation It trades at 0.49× book value against a peer median of 1.51× (6th cheapest of 21).
Price implies The share price implies a return on equity of about 3.8%; Jaccs delivers 5.5%, so the price asks less than the business earns today.
Next results Next results expected around 4 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥196B | ¥194B | ¥192B | ¥186B | ¥174B |
| Revenue growth | — | +1% | +3% | +7% | — |
| Gross profit | ¥181B | ¥180B | ¥178B | ¥172B | ¥161B |
| EBITDA | ¥64.5B | ¥62.7B | ¥60.7B | ¥64.1B | ¥55.5B |
| Net income | ¥15.1B | ¥15.3B | ¥18.6B | ¥23.8B | ¥21.7B |
| Free cash flow | n/a | ¥12.1B | -¥54.2B | -¥107B | -¥224B |
| Capital expenditure | n/a | ¥11.0B | ¥9.02B | ¥8.67B | ¥9.55B |
| Total debt | ¥2.91T | ¥2.87T | ¥2.95T | ¥2.89T | ¥2.75T |
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 |
|---|---|---|---|---|---|---|
| Jaccs 8584.T | $935M | -19% | +2% | 6% | 0.49× | 3.8% |
| Credit Saison 8253.T | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% |
| ACOM 8572.T | $4.38B | -12% | +7% | 9% | 0.96× | 5.6% |
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 | 8584.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -3.6% | -2.3% | 10th lowest of 21 |
| 6-month return | -18.9% | -11.1% | 10th lowest of 21 |
| Return on equity | 5.5% | 12.0% | 7th lowest of 21 |
| Price / book | 0.49× | 1.51× | 6th cheapest of 21 |
| Trailing P/E | 9.6× | 11.9× | 7th cheapest of 17 |
| ROE the price implies | 3.8% | 9.6% | 3rd least demanding of 21 |
| ROE delivered | 5.5% | 12.4% | 6th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Jaccs 8584.T | Japan | $935M | -19% | +2% | 6% | 0.49× | 3.8% | 5.5% |
| Aptus Value Housing Finance India APTUS.NS | India | $927M | -36% | +18% | 20% | 1.60× | 23.2% | 20.3% |
| SY Holdings Group Limited 6069.HK | Hong Kong | $917M | -25% | +17% | 13% | 1.58× | 7.2% | 13.0% |
| Aavas Financiers AAVAS.NS | India | $955M | -20% | +12% | 14% | 1.67× | 24.3% | 14.0% |
| Sun Hung Kai & 0086.HK | Hong Kong | $958M | -7% | -11% | 6% | 0.33× | 3.9% | 6.2% |
| Mcmillan Shakespeare MMS.AX | Australia | $913M | +12% | +8% | 89% | 10.41× | 85.9% | 89.2% |
| Willis Lease Finance WLFC | United States | $992M | -37% | +22% | 10% | 1.47× | 11.2% | 10.2% |
| Orient 8585.T | Japan | $831M | -24% | +4% | 4% | 0.54× | 4.4% | 4.2% |
| Can Fin Homes CANFINHOME.NS | India | $1.05B | -16% | +8% | 19% | 1.55× | 29.3% | 19.4% |
| SBFC Finance SBFC.NS | India | $1.08B | -5% | +28% | 14% | 2.52× | 31.2% | 13.6% |
| Hotai Finance 6592.TW | Taiwan | $1.08B | -6% | -9% | 10% | 0.92× | 3.4% | 9.7% |
| Japan Investment Adviser 7172.T | Japan | $804M | -6% | +16% | 18% | 1.56× | 7.9% | 17.8% |
| Allied 0373.HK | Hong Kong | $800M | -34% | -40% | 2% | 0.13× | 3.4% | 1.7% |
| Burford Capital BUR.L | United Kingdom | $798M | -19% | -415% | -98% | 0.93× | 12.6% | -98.3% |
| Navient NAVI | United States | $790M | -1% | -17% | -2% | 0.33× | 5.6% | -2.0% |
| Tourism Finance Corporation of India TFCILTD.NS | India | $787M | +92% | +28% | 12% | 5.34× | 65.6% | 12.4% |
| Lufax 6623.HK | Hong Kong | $773M | -59% | +5% | -3% | 0.07× | 3.8% | n/a |
| Paisalo Digital PAISALO.NS | India | $752M | +52% | +24% | 15% | 3.56× | 49.6% | 14.7% |
| Funding Circle FCH.L | United Kingdom | $744M | +49% | +53% | 29% | 2.30× | 26.2% | 28.5% |
| RFA Financial RFA.TO | Canada | $741M | -6% | +32% | -14% | 0.74× | 5.5% | -13.8% |
| FinVolution Group Sponsored ADR FINV | United States | $740M | -43% | -2% | 12% | 0.29× | 4.1% | 11.7% |