JACCS Co., Ltd. logo

JACCS Co., Ltd.

8584.T

JPXFinancial ServicesFinancial - Credit Services

Latest quote

¥3,835

+¥50.00 · +1.32%

Aug 24, 3:30 PM JST

8584.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
JP
CEO
Ryo Murakami
Listed since
Jan 1, 2001
Employees
5,532

Market position

52-week range

Current ¥3,835

Open
¥3,835
Previous close
¥3,785
Volume
0
0× average
Average volume
125.62K
Average daily volume
Market cap
171.72B JPY
Beta
0.24
Market reference 1
50-day average
¥3,656.8
+4.87% above average
200-day average
¥3,986.43
-3.80% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.89T JPY
P/E (TTM)
10.58×
P/B (TTM)
0.57×
P/S (TTM)
0.94×
EV / EBITDA
90.4×
Earnings yield
9.49%
Free cash flow yield
7.50%
Dividend yield
5.22%

Profitability & efficiency

Gross margin
85.51%
Operating margin
15.83%
Net margin
8.26%
Return on equity
5.16%
Return on assets
0.41%
Return on invested capital
0.34%

Financial health

Debt / equity
9.71×
Current ratio
2.7×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends100%66%33%-0%Gross margin, FY2021: 91.24%Gross margin, FY2022: 90.97%Gross margin, FY2023: 88.85%Gross margin, FY2024: 86.99%Gross margin, FY2025: 86.11%Operating margin, FY2021: 16.30%Operating margin, FY2022: 18.26%Operating margin, FY2023: 17.93%Operating margin, FY2024: 13.49%Operating margin, FY2025: 10.93%Net margin, FY2021: 11.16%Net margin, FY2022: 12.48%Net margin, FY2023: 12.86%Net margin, FY2024: 9.76%Net margin, FY2025: 8.20%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.24%. Gross margin FY2022 90.97%. Gross margin FY2023 88.85%. Gross margin FY2024 86.99%. Gross margin FY2025 86.11%. Operating margin FY2021 16.30%. Operating margin FY2022 18.26%. Operating margin FY2023 17.93%. Operating margin FY2024 13.49%. Operating margin FY2025 10.93%. Net margin FY2021 11.16%. Net margin FY2022 12.48%. Net margin FY2023 12.86%. Net margin FY2024 9.76%. Net margin FY2025 8.20%.

Income trends

Revenue

186.7B JPY-2.13%

Operating income

20.41B JPY-20.67%

Net income

15.31B JPY-17.76%
Income trends across reported periods208.3B JPY138.12B JPY67.95B JPY−2.23B JPYRevenue, FY2021: 164.07B JPYRevenue, FY2022: 173.51B JPYRevenue, FY2023: 184.78B JPYRevenue, FY2024: 190.76B JPYRevenue, FY2025: 186.7B JPYOperating income, FY2021: 26.74B JPYOperating income, FY2022: 31.68B JPYOperating income, FY2023: 33.13B JPYOperating income, FY2024: 25.73B JPYOperating income, FY2025: 20.41B JPYNet income, FY2021: 18.32B JPYNet income, FY2022: 21.65B JPYNet income, FY2023: 23.77B JPYNet income, FY2024: 18.62B JPYNet income, FY2025: 15.31B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 164.07B JPY. Revenue FY2022 173.51B JPY. Revenue FY2023 184.78B JPY. Revenue FY2024 190.76B JPY. Revenue FY2025 186.7B JPY. Operating income FY2021 26.74B JPY. Operating income FY2022 31.68B JPY. Operating income FY2023 33.13B JPY. Operating income FY2024 25.73B JPY. Operating income FY2025 20.41B JPY. Net income FY2021 18.32B JPY. Net income FY2022 21.65B JPY. Net income FY2023 23.77B JPY. Net income FY2024 18.62B JPY. Net income FY2025 15.31B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue186.7B JPY190.76B JPY184.78B JPY173.51B JPY164.07B JPY
Cost of goods sold25.94B JPY24.82B JPY20.6B JPY15.66B JPY14.38B JPY
Gross profit160.76B JPY165.93B JPY164.19B JPY157.84B JPY149.69B JPY
Selling, general, and administrative140.35B JPY132.42B JPY123.02B JPY118.4B JPY116.37B JPY
Operating expenses140.35B JPY140.2B JPY131.06B JPY126.17B JPY122.95B JPY
Interest income1.22B JPY39.05B JPY36.19B JPY33.03B JPY29.8B JPY
Interest expense28.69B JPY22.66B JPY18.23B JPY13.16B JPY11.25B JPY
Depreciation and amortization11.54B JPY11.22B JPY11.46B JPY10.42B JPY10.64B JPY
Operating income20.41B JPY25.73B JPY33.13B JPY31.68B JPY26.74B JPY
Net income15.31B JPY18.62B JPY23.77B JPY21.65B JPY18.32B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
92.97

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates160.54108.2155.873.54Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 7, 2024: actual 148.96, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 6, 2025: actual 143.08, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 15, 2025: actual 70.88, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 127.03, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 6, 2025: actual 144.23, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 5, 2026: actual 104.86, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 4.16, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 6, 2026: actual 92.97, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates51.34B49.07B46.79B44.52BQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 6, 2025: actual 47.76B JPY, estimate 46.51B JPY, surprise +2.69%, Beat. Q2 2025, reported May 15, 2025: actual 47.48B JPY, estimate 46.51B JPY, surprise +2.10%, Beat. Q3 2025, reported Aug 7, 2025: actual 47.71B JPY, estimate 47B JPY, surprise +1.50%, Beat. Q4 2025, reported Nov 6, 2025: actual 49.36B JPY, estimate 48B JPY, surprise +2.84%, Beat. Q1 2026, reported Feb 5, 2026: actual 48.75B JPY, estimate 48B JPY, surprise +1.56%, Beat. Q2 2026, reported May 15, 2026: actual 46.5B JPY, estimate 47.29B JPY, surprise -1.68%, Miss. Q3 2026, reported Aug 6, 2026: actual 49.28B JPY, estimate 49.1B JPY, surprise +0.37%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 49.24B JPY, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Sep 27, 2017

1:5

8584.T peers

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

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