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JACCS Co., Ltd. (8584.T)
Tokyo, JP
JACCS Co., Ltd. operates as a leading consumer finance corporation with a presence across Japan and international markets. The company provides a diverse range of financial services, including flexible payment and installment options for significant purchases such as home improvements, luxury watches and jewelry, motorcycles, consumer electronics, and traditional Japanese apparel. Furthermore, JACCS extends credit facilities for crucial life events and necessities, encompassing education, weddings, and healthcare treatments, in addition to offering vehicle acquisition loans and automotive leasing. Its comprehensive portfolio also includes the issuance of credit cards, rental guarantee services, and various supporting financial operations. These auxiliary services cover debt recovery, reimbursement processing, loan underwriting, and acting as an agent for both life and property insurance. JACCS also handles shared services management, real estate leasing, general equipment leasing, automated auction sales, and a full spectrum of claims-related activities, from management and collection to acquisition and administrative oversight, alongside deferred payment solutions. Established in Tokyo in 1954 as Depart Sinyohanbai Co., Ltd., the company adopted its current name, JACCS Co., Ltd., in April 1976.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +4.01% | -10.25% | -11.23% | -16.53% | -8.67% | -15.86% | -5.58% | -22.41% | +43.85% | +52.41% | +140.73% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%+1.2% Q1'26: -2.9% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%-29.0% Q1'26: -94.1% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+7.4% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+26.2% Q1'26: +19.4% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+1.1% Q1'26: +0.7% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+15.9% Q1'26: +399.7% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×45.97× Q1'26: 59.48× (vs Q1'25)
* 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.
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
108.34B
est: 107.42B (+0.9%)
|
113.71B
est: 114.14B (-0.4%)
|
119.65B
est: 121.20B (-1.3%)
|
134.44B
est: 136.70B (-1.7%)
|
145.82B
est: 146.40B (-0.4%)
|
158.93B
est: 157.00B (+1.2%)
|
160.86B
est: 161.00B (-0.1%)
|
164.20B
est: 163.50B (+0.4%)
|
173.76B
est: 172.20B (+0.9%)
|
186.04B
est: 185.67B (+0.2%)
|
192.06B
est: 190.00B (+1.1%)
|
193.50B
193.50B – 193.50B
+1.8% YoY
|
205.50B
205.50B – 205.50B
+6.2% YoY
|
216.50B
216.50B – 216.50B
+5.4% YoY
|
| EBITDA |
24.97B
est: 22.96B (+8.7%)
|
26.73B
est: 24.40B (+9.6%)
|
27.21B
est: 25.91B (+5.0%)
|
29.66B
est: 29.22B (+1.5%)
|
33.17B
est: 31.29B (+6.0%)
|
37.64B
est: 33.56B (+12.2%)
|
38.28B
est: 34.42B (+11.2%)
|
48.74B
est: 34.95B (+39.5%)
|
55.63B
est: 36.81B (+51.1%)
|
64.08B
est: 63.58B (+0.8%)
|
60.34B
est: 65.07B (-7.3%)
|
66.26B
66.26B – 66.26B
+1.8% YoY
|
70.37B
70.37B – 70.37B
+6.2% YoY
|
74.14B
74.14B – 74.14B
+5.4% YoY
|
| EBIT |
18.79B
est: 16.35B (+14.9%)
|
18.84B
est: 17.38B (+8.4%)
|
19.04B
est: 18.45B (+3.2%)
|
20.11B
est: 20.81B (-3.4%)
|
23.19B
est: 22.29B (+4.1%)
|
28.17B
est: 23.90B (+17.8%)
|
28.33B
est: 24.51B (+15.6%)
|
38.11B
est: 24.89B (+53.1%)
|
45.21B
est: 26.22B (+72.5%)
|
52.62B
est: 53.64B (-1.9%)
|
49.12B
est: 54.90B (-10.5%)
|
55.91B
55.91B – 55.91B
+1.8% YoY
|
59.37B
59.37B – 59.37B
+6.2% YoY
|
62.55B
62.55B – 62.55B
+5.4% YoY
|
| Net Income |
7.11B
est: 8.81B (-19.3%)
|
7.57B
est: 8.89B (-14.9%)
|
8.72B
est: 9.29B (-6.1%)
|
7.86B
est: 10.48B (-25.0%)
|
8.96B
est: 7.96B (+12.4%)
|
10.73B
est: 10.52B (+2.0%)
|
11.78B
est: 8.16B (+44.3%)
|
18.32B
est: 18.09B (+1.3%)
|
21.65B
est: 22.59B (-4.2%)
|
23.77B
est: 25.71B (-7.6%)
|
18.62B
est: 20.90B (-10.9%)
|
14.87B
14.87B – 14.87B
-28.9% YoY
|
16.22B
16.22B – 16.22B
+9.1% YoY
|
18.47B
18.47B – 18.47B
+13.9% YoY
|
| SGA |
—
est: 75.20B (-100.0%)
|
—
est: 79.91B (-100.0%)
|
—
est: 84.85B (-100.0%)
|
—
est: 95.70B (-100.0%)
|
—
est: 102.49B (-100.0%)
|
—
est: 109.92B (-100.0%)
|
—
est: 112.72B (-100.0%)
|
—
est: 114.47B (-100.0%)
|
—
est: 120.56B (-100.0%)
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
207.10
est: 253.00 (-18.1%)
|
220.10
est: 255.50 (-13.9%)
|
252.95
est: 267.00 (-5.3%)
|
227.29
est: 301.00 (-24.5%)
|
260.12
est: 228.80 (+13.7%)
|
311.63
est: 302.30 (+3.1%)
|
340.69
est: 234.40 (+45.3%)
|
528.97
est: 519.60 (+1.8%)
|
624.60
est: 648.95 (-3.8%)
|
685.13
est: 637.60 (+7.5%)
|
536.08
est: 518.20 (+3.5%)
|
368.60
368.60 – 368.60
-28.9% YoY
|
402.10
402.10 – 402.10
+9.1% YoY
|
458.00
458.00 – 458.00
+13.9% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-18 | C- | 1/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-15 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-14 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-13 | C+ | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-12 | C+ | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-11 | C+ | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-08 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-07 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-01 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-30 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-28 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-27 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-24 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Avantis International Small Cap Value ETF AVDV | 0.07% | 12.95M | 0.36% |
| 2 | iShares MSCI Japan Small-Cap ETF SCJ | 0.04% | 109.9K | 0.50% |
| 3 | State Street SPDR S&P International Small Cap ETF GWX | 0.04% | 343.1K | 0.40% |
| 4 | iShares MSCI Japan Small Cap UCITS ETF IDJP.L | 0.04% | 204.3K | 0.58% |
| 5 | iShares JPX-Nikkei 400 ETF JPXN | 0.03% | 41.3K | 0.48% |
| 6 | Schwab Fundamental International Small Company Index ETF FNDC | 0.03% | 776.8K | 0.39% |
| 7 | FlexShares Morningstar Developed Markets ex-US Factor Tilt Index Fund TLTD | 0.02% | 147.1K | 0.41% |
| 8 | Avantis International Small Cap Equity ETF AVDS | 0.02% | 71.0K | 0.30% |
| 9 | Schwab International Small-Cap Equity ETF SCHC | 0.02% | 1.12M | 0.06% |
| 10 | Avantis Global Small Cap Value UCITS ETF AVGS.L | 0.02% | 200.3K | 0.39% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hirofumi Kato | Senior Executive Officer | — | — |
| Ichiro Kobayashi | Managing Executive Officer, Head of Risk Mngt. & Information Systems Divi. & Director | — | male |
| Kazuhiko Segawa | Managing Exe. Off., Head of Credit Mngt., General Affairs and HR & Comp. Div. & Director | — | — |
| Masaaki Otsuka | Senior Executive Officer of General Affairs & Personnel | — | — |
| Ryo Murakami | President, Chief Executive Officer & Representative Director | — | male |
| Takashi Masumizu | Executive Officer & Director of Corporate Communications | — | — |
| Takeshi Yoshikawa | Managing Executive Officer and Head of Sales Strategy Division & Payment Business | — | — |
| Tatsuo Nakazawa | Managing Executive Officer of Accounting & Finance and Director | — | — |
| Tatsuya Higuchi | Chief Compliance Division & Executive Officer | — | male |
| Toru Yamazaki | Executive Chairman of the Board | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 8584.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.
