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J Trust Co., Ltd. logo

J Trust Co., Ltd.

8508.T

JPXFinancial ServicesFinancial - Conglomerates

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Latest quote

¥824

−¥18.00 · -2.14%

Aug 25, 3:30 PM JST

8508.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Operating through its subsidiaries, J Trust Co., Ltd. delivers a broad spectrum of financial services across Japan, South Korea, and Southeast Asia. The company's diverse portfolio includes credit guarantees, debt recovery, consumer and commercial credit provisions, savings bank operations, and investment management. Interestingly, it also holds interests in the entertainment industry. Furthermore, J Trust offers technology-based solutions for domestic and international financial dealings, encompassing cashless and digital banking, and provides deposit-backed credit cards catering to both Japanese citizens and foreign residents. A peer-to-peer lending platform is also part of its operations. Established in 1977, J Trust Co., Ltd. is headquartered in Tokyo, Japan.

Industry
Financial - Conglomerates
Sector
Financial Services
Headquarters
JP
CEO
Nobuyoshi Fujisawa
Listed since
Apr 4, 2000
Employees
3,100

Market position

Day range

Current ¥824

52-week range

Current ¥824

Open
¥842
Previous close
¥842
Volume
2.46M
2.22× average
Average volume
1.11M
Average daily volume
Market cap
108.92B JPY
Beta
1.02
Market reference 1
50-day average
¥823.2
+0.10% above average
200-day average
¥618.64
+33.20% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
997.61B JPY
P/E (TTM)
8.63×
P/B (TTM)
0.68×
P/S (TTM)
0.84×
EV / EBITDA
62.79×
Earnings yield
12.52%
Free cash flow yield
-56.20%
Dividend yield
1.64%

Profitability & efficiency

Gross margin
40.26%
Operating margin
10.47%
Net margin
9.76%
Return on equity
4.91%
Return on assets
0.60%
Return on invested capital
0.74%

Financial health

Debt / equity
0.5×
Current ratio
1.03×
Altman Z-score
1.2
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends51%31%10%-10%Gross margin, FY2021: 45.62%Gross margin, FY2022: 44.07%Gross margin, FY2023: 28.99%Gross margin, FY2024: 33.89%Gross margin, FY2025: 37.87%Operating margin, FY2021: -4.64%Operating margin, FY2022: 7.90%Operating margin, FY2023: 7.05%Operating margin, FY2024: 4.25%Operating margin, FY2025: 8.54%Net margin, FY2021: 2.65%Net margin, FY2022: 15.33%Net margin, FY2023: 14.27%Net margin, FY2024: 4.71%Net margin, FY2025: 6.22%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 45.62%. Gross margin FY2022 44.07%. Gross margin FY2023 28.99%. Gross margin FY2024 33.89%. Gross margin FY2025 37.87%. Operating margin FY2021 -4.64%. Operating margin FY2022 7.90%. Operating margin FY2023 7.05%. Operating margin FY2024 4.25%. Operating margin FY2025 8.54%. Net margin FY2021 2.65%. Net margin FY2022 15.33%. Net margin FY2023 14.27%. Net margin FY2024 4.71%. Net margin FY2025 6.22%.

Income trends

Revenue

127.71B JPY-0.36%

Operating income

10.9B JPY+100.04%

Net income

7.94B JPY+31.47%
Income trends across reported periods141.18B JPY89.13B JPY37.08B JPY−14.98B JPYRevenue, FY2021: 42.33B JPYRevenue, FY2022: 82.42B JPYRevenue, FY2023: 114.28B JPYRevenue, FY2024: 128.17B JPYRevenue, FY2025: 127.71B JPYOperating income, FY2021: −1.97B JPYOperating income, FY2022: 6.51B JPYOperating income, FY2023: 8.06B JPYOperating income, FY2024: 5.45B JPYOperating income, FY2025: 10.9B JPYNet income, FY2021: 1.12B JPYNet income, FY2022: 12.63B JPYNet income, FY2023: 16.31B JPYNet income, FY2024: 6.04B JPYNet income, FY2025: 7.94B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 42.33B JPY. Revenue FY2022 82.42B JPY. Revenue FY2023 114.28B JPY. Revenue FY2024 128.17B JPY. Revenue FY2025 127.71B JPY. Operating income FY2021 −1.97B JPY. Operating income FY2022 6.51B JPY. Operating income FY2023 8.06B JPY. Operating income FY2024 5.45B JPY. Operating income FY2025 10.9B JPY. Net income FY2021 1.12B JPY. Net income FY2022 12.63B JPY. Net income FY2023 16.31B JPY. Net income FY2024 6.04B JPY. Net income FY2025 7.94B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue127.71B JPY128.17B JPY114.28B JPY82.42B JPY42.33B JPY
Cost of goods sold79.34B JPY84.73B JPY81.15B JPY46.1B JPY23.02B JPY
Gross profit48.37B JPY43.44B JPY33.13B JPY36.32B JPY19.31B JPY
Selling, general, and administrative36.91B JPY37.99B JPY36.87B JPY30.45B JPY21.56B JPY
Operating expenses37.46B JPY37.99B JPY25.07B JPY31.08B JPY21.56B JPY
Interest income780M JPY2.17B JPY1.52B JPY67.97B JPY3.02B JPY
Interest expense344M JPY416M JPY418M JPY154M JPY2.73B JPY
Depreciation and amortization3.91B JPY4.8B JPY5.37B JPY4.53B JPY2.79B JPY
Operating income10.9B JPY5.45B JPY8.06B JPY6.51B JPY−1.97B JPY
Net income7.94B JPY6.04B JPY16.31B JPY12.63B JPY1.12B JPY

Company facts updated Aug 25, 2026.

Earnings

Latest EPS result
20.97

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates42.9829.5316.082.64Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 13, 2024: actual 9.57, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 11, 2025: actual 14.97, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 3.1, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 7.36, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 11, 2025: actual 9.19, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 13, 2026: actual 40.03, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 14, 2026: actual 25.29, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 20.97, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates40.83B36.72B32.62B28.51BQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 11, 2025: actual 31.26B JPY, estimate 32.29B JPY, surprise -3.19%, Miss. Q2 2025, reported May 12, 2025: actual 31.55B JPY, estimate 35B JPY, surprise -9.86%, Miss. Q3 2025, reported Aug 7, 2025: actual 30.09B JPY, estimate 39.26B JPY, surprise -23.37%, Miss. Q4 2025, reported Nov 11, 2025: actual 31.35B JPY, estimate 39.26B JPY, surprise -20.13%, Miss. Q1 2026, reported Feb 13, 2026: actual 32.22B JPY, estimate 39.06B JPY, surprise -17.50%, Miss. Q2 2026, reported May 14, 2026: actual 31.04B JPY, estimate 31B JPY, surprise +0.13%, Beat. Q3 2026, reported Aug 7, 2026: actual 31.36B JPY, estimate 31.46B JPY, surprise -0.30%, Miss. Q4 2026, reported Nov 16, 2026: actual —, estimate 31.6B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥14.00

2023 complete year+75.0% since 2016

Corporate action history

DividendUpcoming

Ex-dividend Dec 29, 2026

¥17.00

Irregular

Record Dec 31, 2026 · Payment Dec 29, 2026

Dividend

Ex-dividend Dec 29, 2025

¥13.5465

Special

Record Dec 31, 2025 · Payment Mar 26, 2026

Dividend

Ex-dividend Dec 27, 2024

¥14.00

Annual

Record Dec 31, 2024 · Payment Mar 26, 2025

Dividend

Ex-dividend Dec 28, 2023

¥13.00

Semi-Annual

Record Dec 31, 2023 · Payment Mar 27, 2024

Dividend

Ex-dividend Jun 29, 2023

¥1.00

Semi-Annual

Record Jun 30, 2023 · Payment Sep 8, 2023

Dividend

Ex-dividend Dec 29, 2022

¥10.00

Annual

Record Dec 31, 2022 · Payment Mar 29, 2023

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ETFs holding 8508.T

Funds reporting this stock among their holdings, ordered by reported position size.

Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
12.34M
Weight
0.06%
AUM
20.17B USD
Expense ratio
0.36%
Price / 1D
$112.37+0.48%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
4.79M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.885+0.79%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
3.14M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.62+0.77%
Dimensional - International Small Cap ETF logoDimensional - International Small Cap ETFDFIS
Market value
1.4M
Weight
0.02%
AUM
5.93B USD
Expense ratio
0.39%
Price / 1D
$37.725+0.73%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
1.2M
Weight
0.01%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.72+1.11%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
1.18M
Weight
0.02%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.69+0.47%
Dimensional - International Core Equity 2 ETF logoDimensional - International Core Equity 2 ETFDFIC
Market value
860.01K
Weight
0.01%
AUM
15.43B USD
Expense ratio
0.22%
Price / 1D
$39.515+0.44%
Schwab International Small-Cap Equity ETF logoSchwab International Small-Cap Equity ETFSCHC
Market value
839.37K
Weight
0.01%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.635+0.73%

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