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Orient Corporation (8585.T)
Tokyo, JP
Orient Corporation, along with its subsidiaries, offers diverse consumer financial services within Japan. The company's operations are structured into four principal segments: Credit Cards and Cash Loans, Settlement and Guarantee, Installment Credit, and Bank Loan Guarantee. Its service portfolio encompasses credit card facilities, cash advances, and various installment credit options, such as financing for vehicles, education, and retail purchases. Additionally, it undertakes credit collection activities and provides credit-related outsourcing solutions. Within its Settlement and Guarantee segment, Orient Corporation supplies guarantees for rental payments and accounts receivable, supports small lease agreements with guarantee services, and functions as a collection agent. Furthermore, the Bank Loan Guarantee segment focuses on securing personal loans extended by partner financial institutions. The company maintains an extensive operational footprint, comprising approximately 111 branches and a substantial network of 832,000 participating merchants. Established in 1951, the company, previously known as Orient Finance, is headquartered in Tokyo, Japan.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -10.09% | -10.99% | -11.08% | -22.45% | -11.17% | -16.18% | +11.51% | -20.30% | -38.55% | -60.22% | -68.18% |
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%+0.3% Q1'26: -1.8% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%-7.5% Q1'26: +11.8% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+3.4% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+15.4% Q1'26: +5.1% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+1.5% Q1'26: +0.6% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%0.0% ★ Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×35.61× Q1'26: 63.59× (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 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 |
213.69B
est: 216.39B (-1.2%)
|
224.71B
est: 226.51B (-0.8%)
|
233.25B
est: 236.36B (-1.3%)
|
243.15B
est: 242.10B (+0.4%)
|
229.82B
est: 231.30B (-0.6%)
|
229.89B
est: 229.90B (0.0%)
|
228.63B
est: 226.71B (+0.8%)
|
230.64B
est: 234.42B (-1.6%)
|
246.91B
est: 250.00B (-1.2%)
|
247.50B
247.50B – 247.50B
-1.0% YoY
|
250.00B
250.00B – 250.00B
+1.0% YoY
|
265.50B
265.50B – 265.50B
+6.2% YoY
|
| EBITDA |
48.29B
est: 41.41B (+16.6%)
|
44.92B
est: 43.34B (+3.6%)
|
40.49B
est: 45.23B (-10.5%)
|
56.39B
est: 46.33B (+21.7%)
|
56.23B
est: 44.26B (+27.0%)
|
63.86B
est: 43.99B (+45.2%)
|
60.27B
est: 43.38B (+38.9%)
|
53.63B
est: 59.59B (-10.0%)
|
64.66B
est: 63.55B (+1.7%)
|
62.92B
62.92B – 62.92B
-1.0% YoY
|
63.55B
63.55B – 63.55B
+1.0% YoY
|
67.49B
67.49B – 67.49B
+6.2% YoY
|
| EBIT |
41.60B
est: 19.32B (+115.3%)
|
39.00B
est: 20.22B (+92.9%)
|
23.89B
est: 21.10B (+13.2%)
|
33.84B
est: 21.61B (+56.6%)
|
32.07B
est: 20.65B (+55.3%)
|
38.21B
est: 20.52B (+86.2%)
|
33.47B
est: 20.24B (+65.4%)
|
31.33B
est: 36.53B (-14.2%)
|
43.54B
est: 38.96B (+11.8%)
|
38.57B
38.57B – 38.57B
-1.0% YoY
|
38.96B
38.96B – 38.96B
+1.0% YoY
|
41.37B
41.37B – 41.37B
+6.2% YoY
|
| Net Income |
28.69B
est: 28.02B (+2.4%)
|
28.02B
est: 26.81B (+4.5%)
|
28.88B
est: 28.36B (+1.8%)
|
20.66B
est: 19.86B (+4.0%)
|
19.70B
est: 15.92B (+23.7%)
|
19.48B
est: 22.24B (-12.4%)
|
19.04B
est: 16.89B (+12.7%)
|
12.57B
est: 11.92B (+5.4%)
|
13.94B
est: 12.50B (+11.6%)
|
12.99B
12.99B – 12.99B
+4.0% YoY
|
9.50B
9.50B – 9.50B
-26.9% YoY
|
14.00B
14.00B – 14.00B
+47.4% YoY
|
| SGA |
—
est: 144.19B (-100.0%)
|
—
est: 150.93B (-100.0%)
|
—
est: 157.49B (-100.0%)
|
—
est: 161.32B (-100.0%)
|
—
est: 154.12B (-100.0%)
|
—
est: 153.19B (-100.0%)
|
—
est: 151.06B (-100.0%)
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
154.40
est: 163.66 (-5.7%)
|
132.70
est: 156.59 (-15.3%)
|
168.19
est: 165.67 (+1.5%)
|
117.26
est: 116.00 (+1.1%)
|
105.40
est: 93.00 (+13.3%)
|
105.54
est: 129.91 (-18.8%)
|
110.92
est: 98.65 (+12.4%)
|
73.29
est: 69.66 (+5.2%)
|
81.45
est: 73.00 (+11.6%)
|
75.90
75.90 – 75.90
+4.0% YoY
|
55.50
55.50 – 55.50
-26.9% YoY
|
81.80
81.80 – 81.80
+47.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 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 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-01 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-24 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-23 | B- | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-22 | B- | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-21 | B- | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-20 | B- | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-17 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-16 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 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 | Goldman Sachs Data Enhanced International Equity ETF GIEQ | 0.47% | 48.6K | 0.30% |
| 2 | Avantis International Small Cap Value ETF AVDV | 0.05% | 9.68M | 0.36% |
| 3 | iShares MSCI Japan Small-Cap ETF SCJ | 0.05% | 118.4K | 0.50% |
| 4 | iShares MSCI Japan Small Cap UCITS ETF IDJP.L | 0.03% | 180.4K | 0.58% |
| 5 | Avantis International Small Cap Equity ETF AVDS | 0.02% | 58.1K | 0.30% |
| 6 | UBS MSCI World Small Cap Socially Responsible UCITS ETF USD dis WSCR.L | 0.02% | 141.0K | 0.23% |
| 7 | UBS MSCI World Small Cap Socially Responsible UCITS ETF USD acc WSCSRI.SW | 0.02% | 141.1K | 0.23% |
| 8 | Avantis Global Small Cap Value UCITS ETF AVGS.L | 0.02% | 179.3K | 0.39% |
| 9 | Schwab International Small-Cap Equity ETF SCHC | 0.02% | 846.6K | 0.06% |
| 10 | iShares Currency Hedged MSCI EAFE Small-Cap ETF HSCZ | 0.01% | 25.7K | 0.83% |
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 |
|---|---|---|---|
| Daisuke Horiuchi | Managing Executive Officer & Head of Business Promotion Division | — | — |
| Hideyuki Matsuoka | SMEO, Head of HR and Gen. Affairs Grp., Head of Cultural Transformation and Corp. Strat. Grp. & Dir. | — | male |
| Hitoshi Kasama | Managing Executive Officer & Head of Financial Institutions Division | — | male |
| Kazuaki Baba | Managing Executive Officer & Representative Director | — | male |
| Makoto Umemiya | President, Chief Executive Officer & Representative Director | — | male |
| Minoru Kusano | Managing Executive Officer & Head of Credit Collection Group | — | — |
| Shinya Uda | Managing EO, Head of Corporation Strategy & Digital Mktng. Group | — | — |
| Shoji Shimamoto | Managing Executive Officer & Head of Operation Group | — | — |
| Shoji Yakabe | Managing Executive Officer & Head of IT System Group | — | — |
| Toshifumi Murata | Managing Executive Officer and Head of Corporate Compliance Group & Risk Management Group | — | male |
| Yohei Senba | Managing Executive Officer & Head of the Corporate Business and Consumer Payments Division | — | 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 8585.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.
