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AEON Financial Service Co., Ltd. (8570.T)
JPY1,532.50
-1.00 (-0.07%)
JP JPX Financial Services Financial - Credit Services
Address
Terrace Square 101-0054
Tokyo, JP
Tokyo, JP
CEO
Tomoharu Fukayama
Website
aeonfinancial.co.jp
IPO
2001-01-01
ISIN JP3131400008
Also trades on
Other OTC · AEOJF (USD)
Tokyo Stock Exchange · 8570.T (JPY)
Description
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. It is also involved in bank and business management activities; life insurance sales business; non-life insurance agency business; management, collection and purchase of specified monetary claims, and backup servicing business; and provision of housing related loans, property leases, short-term small amount insurance services, as well as digital solutions for local governments. AEON Financial Service Co., Ltd. was incorporated in 1981 and is based in Tokyo, Japan.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
JPY1,532.50
-1.00 (-0.07%)
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Volume Profile
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Liquidity & share structure
Average Volume
626.7K
Beta
0.26
Float Shares
81.83M
Free Float %
37.9%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.53% | -2.58% | -3.11% | -14.45% | -3.58% | -12.99% | +15.00% | +25.00% | +18.62% | -37.65% | -31.05% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1,532.50
Ratings Trend (MoM)
13% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 0 | 0 |
| Hold | 5 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 1 | 0 |
Quality scores
Altman Z-Score
1.18
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +17.9%+9.3% Q1'26: +2.1% (vs Q1'25)
-
EPS growth Financial - Credit Services: +17.2%-6.6% Q1'26: +15.3% (vs Q1'25)
-
FCF margin Financial - Credit Services: +31.1%-40.3% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +32.4%+14.4% Q1'26: +12.3% (vs Q1'25)
-
ROIC Financial - Credit Services: +4.8%+54.5% ★ Q1'26: +0.8% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA Financial - Credit Services: 3.75×12.15× Q1'26: 98.93× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Feb 2015 actual |
Feb 2016 actual |
Feb 2017 actual |
Feb 2018 actual |
Feb 2019 actual |
Feb 2020 actual |
Feb 2021 actual |
Feb 2022 actual |
Feb 2023 actual |
Feb 2024 actual |
Feb 2025 actual |
Feb 2026 8 Rev. Ana. 8 EPS Ana. |
Feb 2027 7 Rev. Ana. 5 EPS Ana. |
Feb 2028 8 Rev. Ana. 8 EPS Ana. |
Feb 2029 6 Rev. Ana. 6 EPS Ana. |
Feb 2030 3 Rev. Ana. 2 EPS Ana. |
Feb 2031 2 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
312.83B
est: 318.36B (-1.7%)
|
343.64B
est: 360.73B (-4.7%)
|
363.50B
est: 368.96B (-1.5%)
|
396.68B
est: 397.14B (-0.1%)
|
427.49B
est: 427.10B (+0.1%)
|
488.37B
est: 455.08B (+7.3%)
|
477.86B
est: 484.98B (-1.5%)
|
459.16B
est: 472.38B (-2.8%)
|
435.65B
est: 455.97B (-4.5%)
|
469.82B
est: 467.03B (+0.6%)
|
513.33B
est: 522.18B (-1.7%)
|
569.05B
540.04B – 579.19B
+9.0% YoY
|
612.28B
596.52B – 635.26B
+7.6% YoY
|
646.53B
590.03B – 680.41B
+5.6% YoY
|
679.06B
679.04B – 679.08B
+5.0% YoY
|
691.30B
651.63B – 722.52B
+1.8% YoY
|
714.80B
673.79B – 747.08B
+3.4% YoY
|
| EBITDA |
85.82B
est: 61.11B (+40.4%)
|
98.32B
est: 69.25B (+42.0%)
|
94.80B
est: 70.83B (+33.8%)
|
103.90B
est: 76.24B (+36.3%)
|
109.54B
est: 81.99B (+33.6%)
|
120.72B
est: 87.36B (+38.2%)
|
89.19B
est: 93.10B (-4.2%)
|
108.78B
est: 90.68B (+20.0%)
|
110.85B
est: 87.53B (+26.6%)
|
105.27B
est: 101.43B (+3.8%)
|
105.42B
est: 113.41B (-7.0%)
|
123.59B
117.29B – 125.79B
+9.0% YoY
|
132.97B
129.55B – 137.97B
+7.6% YoY
|
140.41B
128.14B – 147.77B
+5.6% YoY
|
147.48B
147.47B – 147.48B
+5.0% YoY
|
150.14B
141.52B – 156.92B
+1.8% YoY
|
155.24B
146.33B – 162.25B
+3.4% YoY
|
| EBIT |
69.41B
est: 37.65B (+84.4%)
|
80.56B
est: 42.66B (+88.8%)
|
75.35B
est: 43.64B (+72.7%)
|
82.84B
est: 46.97B (+76.4%)
|
86.85B
est: 50.51B (+71.9%)
|
90.78B
est: 53.82B (+68.7%)
|
57.74B
est: 57.36B (+0.7%)
|
76.34B
est: 55.87B (+36.7%)
|
78.76B
est: 53.93B (+46.0%)
|
72.51B
est: 75.66B (-4.2%)
|
73.69B
est: 84.60B (-12.9%)
|
92.19B
87.49B – 93.84B
+9.0% YoY
|
99.20B
96.64B – 102.92B
+7.6% YoY
|
104.75B
95.59B – 110.24B
+5.6% YoY
|
110.02B
110.01B – 110.02B
+5.0% YoY
|
112.00B
105.57B – 117.06B
+1.8% YoY
|
115.81B
109.16B – 121.04B
+3.4% YoY
|
| Net Income |
30.49B
est: 29.91B (+1.9%)
|
35.79B
est: 36.13B (-0.9%)
|
39.45B
est: 36.53B (+8.0%)
|
38.68B
est: 39.69B (-2.6%)
|
39.41B
est: 41.54B (-5.1%)
|
37.25B
est: 35.28B (+5.6%)
|
17.69B
est: 16.12B (+9.8%)
|
30.21B
est: 25.71B (+17.5%)
|
30.68B
est: 28.76B (+6.7%)
|
20.90B
est: 23.38B (-10.6%)
|
15.65B
est: 19.91B (-21.4%)
|
21.09B
20.32B – 27.74B
+6.0% YoY
|
21.98B
14.58B – 26.55B
+4.2% YoY
|
28.90B
26.06B – 35.96B
+31.5% YoY
|
35.09B
30.01B – 41.02B
+21.4% YoY
|
39.80B
36.83B – 42.14B
+13.4% YoY
|
43.45B
40.21B – 46.00B
+9.2% YoY
|
| SGA |
—
est: 267.33B (-100.0%)
|
—
est: 302.91B (-100.0%)
|
—
est: 309.82B (-100.0%)
|
—
est: 333.48B (-100.0%)
|
—
est: 358.64B (-100.0%)
|
—
est: 382.14B (-100.0%)
|
—
est: 407.25B (-100.0%)
|
—
est: 396.67B (-100.0%)
|
—
est: 382.89B (-100.0%)
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
152.55
est: 138.57 (+10.1%)
|
180.09
est: 167.35 (+7.6%)
|
189.75
est: 169.22 (+12.1%)
|
170.02
est: 183.87 (-7.5%)
|
173.20
est: 192.41 (-10.0%)
|
326.22
est: 163.45 (+99.6%)
|
81.98
est: 74.67 (+9.8%)
|
139.98
est: 119.09 (+17.5%)
|
142.12
est: 133.21 (+6.7%)
|
96.80
est: 108.32 (-10.6%)
|
90.45
est: 92.95 (-2.7%)
|
106.97
94.12 – 128.47
+15.1% YoY
|
92.25
67.53 – 122.96
-13.8% YoY
|
134.87
120.72 – 166.57
+46.2% YoY
|
162.58
139.00 – 190.00
+20.6% YoY
|
184.35
170.60 – 195.17
+13.4% YoY
|
201.25
186.24 – 213.07
+9.2% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-28 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-27 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-26 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-25 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-22 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-21 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-20 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-19 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-18 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-15 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-14 | C+ | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-13 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-12 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-11 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-08 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-07 | B- | 2/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-01 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-30 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-28 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-27 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-24 | B- | 2/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-23 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-22 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-15 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-14 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-13 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-10 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 2/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
2.74B
OE per share TTM
12.71
Owner's Yield
0.84%
Maintenance CapEx ratio
23.20%
Maint CapEx / Avg PPE
7.6%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
3.90M
Shares Outstanding
215.88M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hirofumi Mitsuishi | Executive Officer & GM of System Division | — | — |
| Kunihiro Wakida | Executive Officer & GM of Corporate Audit Division | — | — |
| Kyoko Uchiyama | Executive Officer & GM of Corporate Sales Division | — | — |
| Mitsugu Tamai | Managing Executive Officer, Head of Overseas Business Division & Director | — | male |
| Nobuyuki Kimura | Executive Officer, GM of Processing Division & New Credit Card System Dev. Project Team Rep. | — | — |
| Satoru Araki | Executive Officer & GM of Payment Business Team | — | — |
| Shigeki Mishima | Senior Managing Executive Officer, Head of Human Resources & General Affairs and Director | — | male |
| Shinichiro Nishimura | Executive Officer & GM of Business Promotion Team | — | — |
| Shozo Hamano | Executive Officer & GM of Group Corporate Management Team | — | — |
| Tomoharu Fukayama | President, Head of Overseas Business Division & Representative Director | — | male |
| Tomoyuki Mitsufuji | Managing Executive Officer, Head of Finance & Accounting Division and Director | — | male |
| Toshiyuki Masuda | Executive Officer and GM of Marketing & Innovation Division | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for 8570.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
