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AEON Financial Service Co
(8570)
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Rating:64Neutral
Price Target:
¥1,801.00
▲(4.56% Upside)
Action:Reiterated
Date:08/04/26
The score is primarily constrained by financial risk factors: structurally high leverage, modest ROE, and inconsistent cash generation despite strong 2026 revenue acceleration and solid operating profitability. Technical indicators are neutral-to-mixed with the stock below its 200-day average, while valuation is a positive offset due to a moderate P/E and a solid dividend yield.
Positive Factors
Accelerating Revenue Growth
The sharp acceleration indicates stronger customer activity, lending demand, or payment volumes. If sustained through AEON’s retail channels and partner distribution, it can support operating leverage and broader earnings growth over the next several periods.
Negative Factors
Elevated Financial Leverage
High leverage creates sensitivity to funding costs, credit losses, and economic downturns. It also limits financial flexibility because a larger share of earnings and cash resources may be needed to maintain funding stability rather than support growth or shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating Revenue Growth
The sharp acceleration indicates stronger customer activity, lending demand, or payment volumes. If sustained through AEON’s retail channels and partner distribution, it can support operating leverage and broader earnings growth over the next several periods.
Read all positive factors
AEON Financial Service Co (8570) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥336.70B
Dividend Yield3.49%
Average Volume (3M)575.89K
Price to Earnings (P/E)12.7
Beta (1Y)0.64
Revenue Growth8.42%
EPS Growth84.66%
CountryJP
Employees14,942
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)97.71
Shares Outstanding216,010,130
10 Day Avg. Volume356,880
30 Day Avg. Volume575,893
Financial Highlights & Ratios
PEG Ratio2.25
Price to Book (P/B)0.80
Price to Sales (P/S)0.69
P/FCF Ratio1.10
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥1,477.50Price Target Upside-14.22% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering4
EPS Forecast (FY)89.72
Revenue Forecast (FY)¥614.84B
AEON Financial Service Co Business Overview & Revenue Model
Company 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 bus...
How the Company Makes Money
AEON Financial Service makes money mainly by providing consumer credit and payment-related services. Key revenue streams include: (1) finance income from lending—interest and fees earned on revolving credit card balances, card loans/cash advances,...
AEON Financial Service Co Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
55
Neutral
| Breakdown | Feb 2026 | Feb 2025 | Feb 2024 | Feb 2023 | Feb 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 549.95B | 513.33B | 469.81B | 435.65B | 459.16B |
| Gross Profit | 484.91B | 428.44B | 388.31B | 355.50B | 377.99B |
| EBITDA | 90.81B | 105.42B | 105.27B | 110.85B | 108.78B |
| Net Income | 21.09B | 15.64B | 20.90B | 30.68B | 30.21B |
Balance Sheet | |||||
| Total Assets | 8.31T | 7.76T | 6.95T | 6.66T | 6.28T |
| Cash, Cash Equivalents and Short-Term Investments | 2.04T | 1.79T | 1.43T | 842.62B | 738.78B |
| Total Debt | 6.89T | 1.28T | 1.29T | 1.20T | 5.05T |
| Total Liabilities | 7.69T | 7.17T | 6.37T | 6.12T | 5.77T |
| Stockholders Equity | 476.84B | 465.02B | 458.40B | 434.81B | 424.25B |
Cash Flow | |||||
| Free Cash Flow | 346.55B | 40.96B | 0.00 | 71.27B | 47.23B |
| Operating Cash Flow | 350.95B | 43.58B | 0.00 | 105.14B | 76.29B |
| Investing Cash Flow | -718.88B | -158.48B | -113.70B | 11.80B | -33.56B |
| Financing Cash Flow | 218.11B | 666.13B | 122.98B | -14.56B | -13.51B |
AEON Financial Service Co Technical Analysis
Negative
1722.50
Price Trends
1605.29
Negative
1546.70
Positive
1580.34
Negative
Market Momentum
-7.25
Positive
36.21
Neutral
16.57
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8570, the sentiment is Negative. The current price of 1722.5 is above the 20-day moving average (MA) of 1624.35, above the 50-day MA of 1605.29, and above the 200-day MA of 1580.34, indicating a bearish trend. The MACD of -7.25 indicates Positive momentum. The RSI at 36.21 is Neutral, neither overbought nor oversold. The STOCH value of 16.57 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8570.
AEON Financial Service Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ¥730.04B | 11.10 | 9.18% | 5.02% | 6.57% | 22.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥336.70B | 12.75 | 5.51% | 3.49% | 8.42% | 84.66% | |
64 Neutral | ¥654.64B | 9.43 | 9.19% | 2.90% | 10.50% | 8.52% | |
64 Neutral | ¥501.06B | 16.83 | 12.21% | 4.80% | 7.53% | 6.62% | |
59 Neutral | ¥159.08B | 9.71 | ― | 5.68% | 1.92% | -26.04% |
* Financial Sector Average
JP:8570
AEON Financial Service Co
1,518.00
123.59
8.86%
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AEON Financial Service Co Corporate Events
Oasis Management Lifts Stake in AEON Financial Service Above 10%
Aug 13, 2026
AEON Financial Service Co., Ltd. has disclosed a change in one of its major shareholders following the filing of an amended large shareholding report with the Kanto Local Finance Bureau. The notice underscores the company’s adherence to disc...
AEON Financial Service Doubles Quarterly Profit but Warns of Full-Year Earnings Decline
Jul 9, 2026
AEON Financial Service reported strong results for the three months ended May 31, 2026, with operating revenues rising 12.7% year on year to ¥153.9 billion and operating profit climbing 34.5% to ¥17.5 billion. Profit attributable to owne...
AEON Financial Service Sets Terms for 19th Stock-Linked Director Compensation Plan
Jun 1, 2026
AEON Financial Service has set the issuance price for its 19th stock options, a stock-linked compensation plan for internal directors, at 110,200 yen per option, with no cash payment required by recipients. The options, covering 7,800 common share...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.