Orient Corporation logo

Orient Corporation

8585.T

JPXFinancial ServicesFinancial - Credit Services

Latest quote

¥880

+¥6.00 · +0.69%

Aug 24, 3:30 PM JST

8585.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
JP
CEO
Makoto Umemiya
Listed since
Jan 1, 2001
Employees
6,411

Market position

Volume
365.8K
0.54× average
Average volume
680.51K
Average daily volume
Market cap
150.64B JPY
Beta
0.76
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.08T JPY
P/E (TTM)
12.89×
P/B (TTM)
0.62×
P/S (TTM)
0.62×
EV / EBITDA
35.78×
Earnings yield
7.83%
Free cash flow yield
3.01%
Dividend yield
4.55%

Profitability & efficiency

Gross margin
73.29%
Operating margin
5.08%
Net margin
4.80%
Return on equity
5.15%
Return on assets
0.45%
Return on invested capital
1.16%

Financial health

Debt / equity
8.89×
Current ratio
2.62×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends91%60%29%-3%Gross margin, FY2021: 77.22%Gross margin, FY2022: 76.14%Gross margin, FY2023: 80.25%Gross margin, FY2024: 82.52%Gross margin, FY2025: 83.41%Operating margin, FY2021: 16.63%Operating margin, FY2022: 14.65%Operating margin, FY2023: 13.07%Operating margin, FY2024: 13.66%Operating margin, FY2025: 15.44%Net margin, FY2021: 8.47%Net margin, FY2022: 8.33%Net margin, FY2023: 5.45%Net margin, FY2024: 5.65%Net margin, FY2025: 5.20%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 77.22%. Gross margin FY2022 76.14%. Gross margin FY2023 80.25%. Gross margin FY2024 82.52%. Gross margin FY2025 83.41%. Operating margin FY2021 16.63%. Operating margin FY2022 14.65%. Operating margin FY2023 13.07%. Operating margin FY2024 13.66%. Operating margin FY2025 15.44%. Net margin FY2021 8.47%. Net margin FY2022 8.33%. Net margin FY2023 5.45%. Net margin FY2024 5.65%. Net margin FY2025 5.20%.

Income trends

Revenue

247.63B JPY+0.29%

Operating income

38.24B JPY+13.35%

Net income

12.89B JPY-7.57%
Income trends across reported periods271.14B JPY177.11B JPY83.09B JPY−10.94B JPYRevenue, FY2021: 229.89B JPYRevenue, FY2022: 228.63B JPYRevenue, FY2023: 230.64B JPYRevenue, FY2024: 246.91B JPYRevenue, FY2025: 247.63B JPYOperating income, FY2021: 38.24B JPYOperating income, FY2022: 33.5B JPYOperating income, FY2023: 30.15B JPYOperating income, FY2024: 33.74B JPYOperating income, FY2025: 38.24B JPYNet income, FY2021: 19.48B JPYNet income, FY2022: 19.04B JPYNet income, FY2023: 12.57B JPYNet income, FY2024: 13.94B JPYNet income, FY2025: 12.89B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 229.89B JPY. Revenue FY2022 228.63B JPY. Revenue FY2023 230.64B JPY. Revenue FY2024 246.91B JPY. Revenue FY2025 247.63B JPY. Operating income FY2021 38.24B JPY. Operating income FY2022 33.5B JPY. Operating income FY2023 30.15B JPY. Operating income FY2024 33.74B JPY. Operating income FY2025 38.24B JPY. Net income FY2021 19.48B JPY. Net income FY2022 19.04B JPY. Net income FY2023 12.57B JPY. Net income FY2024 13.94B JPY. Net income FY2025 12.89B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue247.63B JPY246.91B JPY230.64B JPY228.63B JPY229.89B JPY
Cost of goods sold41.09B JPY43.15B JPY45.54B JPY54.54B JPY52.36B JPY
Gross profit206.54B JPY203.76B JPY185.1B JPY174.08B JPY177.53B JPY
Operating expenses168.3B JPY170.02B JPY154.95B JPY140.59B JPY139.29B JPY
Interest income38.86B JPY36.24B JPY35.19B JPY34.9B JPY35.86B JPY
Interest expense24.07B JPY20.42B JPY13.29B JPY9.58B JPY8.83B JPY
Depreciation and amortization20.02B JPY21.12B JPY22.3B JPY26.8B JPY25.65B JPY
Operating income38.24B JPY33.74B JPY30.15B JPY33.5B JPY38.24B JPY
Net income12.89B JPY13.94B JPY12.57B JPY19.04B JPY19.48B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
0%
0 beats, 1 miss, 0 met estimates
Average EPS surprise
-99.77%
1 comparable report
Latest EPS result
3.29
Estimate 1,434 · Miss by 99.77%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1,548.461,033.24518.022.8Q4 '24No estimateQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26No estimateQ2 '26No estimateQ3 '26Miss
Q4 2024, reported Oct 31, 2024: actual 4.01, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 38.01, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 21.6, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 10.31, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 31, 2025: actual 26.12, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 14.73, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 24.14, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 3.29, estimate 1,434, surprise -99.77%, Miss.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates195.11B146.69B98.27B49.86BQ1 '25MissQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26No estimateQ2 '26No estimateQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 59.03B JPY, estimate 185B JPY, surprise -68.09%, Miss. Q2 2025, reported May 13, 2025: actual 62.78B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 62.88B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 31, 2025: actual 62B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 61.1B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 61.65B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 58.65B JPY, estimate 61.5B JPY, surprise -4.63%, Miss. Q4 2026, reported Oct 29, 2026: actual —, estimate 58.96B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥40.00

2025 complete year+33.3% since 2021

2026 partial: ¥40.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Mar 30, 2027

¥40.00

Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥40.00

Annual

Record Mar 31, 2026 · Payment Jun 25, 2026

Dividend

Ex-dividend Mar 28, 2025

¥40.00

Annual

Record Mar 31, 2025 · Payment Jun 26, 2025

Dividend

Ex-dividend Mar 28, 2024

¥40.00

Annual

Record Mar 31, 2024 · Payment Jun 26, 2024

Dividend

Ex-dividend Mar 30, 2023

¥40.00

Annual

Record Mar 31, 2023 · Payment Jun 28, 2023

Dividend

Ex-dividend Mar 30, 2022

¥3.00

Annual

Record Mar 31, 2022 · Payment Jun 27, 2022

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