Jaccs Co., Ltd. (8584) AI Stock Analysis

• Market Cap: ¥134.92B
• Dividend Yield: 4.62%
• Average Volume (3M): 92.09K
• Price to Earnings (P/E): 7.3
• Beta (1Y): 0.85
• Revenue Growth: 4.02%
• EPS Growth: 0.28%
• Country: JP
• Employees: 6,097
• Sector: Financial
• Sector Strength: 85
• Industry: Financial - Credit Services
• EPS (TTM): 70.88
• Shares Outstanding: 35,079,160
• 10 Day Avg. Volume: 55,780
• 30 Day Avg. Volume: 92,093
• PEG Ratio: -1.55
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Jaccs Co., Ltd.'s stock score reflects strong revenue growth and attractive valuation, tempered by high leverage and cash flow challenges. Technical indicators suggest potential overbought conditions, but the low P/E ratio and high dividend yield offer attractive valuation metrics. The absence of earnings call and corporate events data focuses the analysis on fundamental and technical factors.

Jaccs Co., Ltd. Business Overview & Revenue Model

Company Description

Jaccs Co., Ltd. (8584) is a Japan-based company primarily engaged in the provision of consumer credit services. Operating in the financial services sector, Jaccs offers a range of products including credit cards, personal loans, and installment sales finance. The company also provides credit guarantee services and insurance, catering to both individual consumers and businesses.

How the Company Makes Money

Jaccs Co., Ltd. generates revenue through a diversified financial services model. Key revenue streams include interest income from personal loans and credit card balances, fees from installment sales finance, and commissions from credit guarantee services. The company also earns through partnerships with retailers and financial institutions, where it provides financing solutions that facilitate consumer purchases and manage credit risk. Additionally, Jaccs benefits from insurance premium income, adding a layer of financial protection services to its offerings.

Jaccs Co., Ltd. Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
190.16B	184.78B	173.50B	164.07B	160.65B	158.61B
	Gross Profit
163.26B	164.18B	157.84B	149.69B	143.80B	144.00B
	EBIT
66.54B	33.13B	31.68B	26.74B	16.33B	16.51B
	EBITDA
58.68B	44.59B	42.10B	37.38B	26.28B	25.98B
	Net Income Common Stockholders
21.77B	23.77B	21.65B	18.32B	11.78B	10.73B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
132.74B	187.61B	295.27B	283.12B	252.23B	229.10B
	Total Assets
3.81T	3.78T	3.58T	4.83T	4.48T	4.23T
	Total Debt
2.96T	2.89T	2.75T	2.49T	2.30T	2.13T
	Net Debt
2.82T	2.71T	2.59T	2.35T	2.18T	2.03T
	Total Liabilities
3.56T	3.54T	3.37T	4.64T	4.31T	4.07T
	Stockholders Equity
242.03B	230.60B	204.25B	186.84B	170.14B	157.07B
Cash Flow		Free Cash Flow
0.00	-106.69B	-223.55B	-160.19B	-150.71B	-319.90B
	Operating Cash Flow
0.00	-98.02B	-214.00B	-152.02B	-141.11B	-308.47B
	Investing Cash Flow
0.00	-6.26B	-8.16B	-7.31B	-8.82B	-11.87B
	Financing Cash Flow
0.00	129.02B	246.06B	186.12B	164.87B	326.48B

Jaccs Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3845.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8584, the sentiment is Positive. The current price of 3845 is above the 20-day moving average (MA) of 3701.00, above the 50-day MA of 3766.24, and above the 200-day MA of 3797.39, indicating a bullish trend. The MACD of 38.93 indicates Negative momentum. The RSI at 62.16 is Neutral, neither overbought nor oversold. The STOCH value of 89.10 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8584.

Jaccs Co., Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8570	73 Outperform	¥279.94B	14.34	4.16%	3.91%	9.27%	-6.56%
8252	71 Outperform	$577.17B	21.50	10.51%	4.53%	11.63%	27.70%
8253	68 Neutral	$547.97B	8.08	9.28%	3.66%	17.40%	15.47%
Sector *	64 Neutral	$12.74B	9.83	7.63%	17000.35%	12.34%	-5.32%
8584	63 Neutral	¥134.92B	7.27		4.62%	4.02%	0.28%
8511	60 Neutral	€145.19B	14.52	7.36%	5.03%	11.97%	41.59%
8515	58 Neutral	¥193.00B	8.51	10.80%	0.26%	15.19%	12.66%

Jaccs Co., Ltd. Corporate Events

Jaccs Co., Ltd. Restructures Leadership to Drive Growth

Jaccs Co., Ltd. announced a significant restructuring of its leadership team as part of its new Three-Year Medium-Term Business Plan. The company will consolidate decision-making authority under the President to enable faster management decisions, abolishing the roles of CEO, COO, and CFO. This change is intended to support the company’s growth strategies and business structural reforms with a focus on medium to long-term objectives.

JACCS Co., Ltd. Unveils New Medium-Term Business Plan for Growth and Restructuring

JACCS Co., Ltd. has announced a new three-year medium-term business plan starting in FY2025, aimed at restructuring and returning to growth following challenges such as rising interest rates and market slumps in Vietnam and Indonesia. The plan, named ‘Do next!’, focuses on collaboration with MUFG Bank, Ltd., and includes strategies for growth acceleration, business restructuring, and financial soundness, with an emphasis on enhancing corporate value and shareholder returns.

JACCS Co., Ltd. Forms Strategic Alliance with MUFG Bank

JACCS Co., Ltd. has announced a capital and business alliance with MUFG Bank, a subsidiary of Mitsubishi UFJ Financial Group, to issue new shares through third-party allotment. This alliance aims to accelerate JACCS’s growth strategies, particularly in environmental fields and overseas businesses, by leveraging MUFG’s customer base and financial solutions. The agreement includes strengthening group collaboration, exploring new fields, and promoting efficiency and digital transformation, with implications for enhancing JACCS’s market position and operational capabilities.

JACCS Co., Ltd. Reports Mixed Nine-Month Financial Performance

JACCS CO., LTD. reported consolidated financial results for the nine months ending December 31, 2024, showing a slight increase in operating revenue by 3.1% compared to the previous year. However, the company faced declines in operating profit, ordinary profit, and profit attributable to owners of the parent, reflecting challenges in maintaining profitability amid changing market conditions.

JACCS to Acquire Stake in Malaysian Finance Firm Carsome Capital

JACCS Co., Ltd. has announced its decision to acquire a 49% stake in Carsome Capital Sdn. Bhd., a Malaysian finance company under Carsome Sdn. Bhd., to expand its presence in the Malaysian market. This strategic move aligns with JACCS’s ongoing efforts to enhance its corporate value and pursue growth opportunities in Southeast Asia, leveraging its extensive experience in the sales finance sector.