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Finance

AEON Financial Service Co., Ltd.

Business Summary

AEON Financial Service Co., Ltd. engages in the provision of financial services. It operates through the following segments: Retail, Solution, China area, Mekong area, Malay area. The Retail segment offers bank and insurance service for individual customers. The Solution segment provides group's financial services utilizing the database of processing business and installment business for member stores. The China area segment provides financial service such as credit card and loan for individual and member stores in China area. The Mekong area segment provides financial service such as credit card and loan for individual and member stores in Mekong area. The Malay area segment provides financial service such as credit card and loan for individual and member stores in Malay area. The company was founded on June 20, 1981 and is headquartered in Tokyo, Japan.

Financial Highlights

Feb 2020 JPYUSD
Revenue488,370.95M4,480.06M
Gross Profit445,115.28M4,083.25M
Operating income70,983.33M651.16M
Income before tax70,396.42M645.78M
Net income37,254.57M341.75M
EBITDA113,635.73M1,042.43M
Diluted EPS168.161.54
Dividends Per Share----
Total Assets5,781.37B53,598.20M
Total liabilities5,322.29B49,342.15M
Total equity393,500M3,648.07M
Operating cash flow-79,114M-725.75M
Currency in JPYCurrency in USD

Historical Data

 Mar 2016Mar 2017Mar 2018Mar 2019Feb 2020
Revenue 343,641M 363,502M 396,676M 427,490M 488,370.95M
Gross Profit 241,797M 314,373M 339,104M 365,012M 445,115.28M
Operating income 53,486M 61,126M 64,927M 70,338M 70,983.33M
Income before tax 59,250M 59,665M 66,571M 69,178M 70,396.42M
Net income 35,785M 39,454M 38,677M 39,409M 37,254.57M
EBITDA 113,856M 135,386M 145,340M 157,118M 113,635.73M
Diluted EPS 180 183.96 170.01 173.19 168.16
Dividends Per Share 66 68 68 68 --
Total Assets 3,745.54B 4,187.26B 4,852.84B 5,342.22B 5,781.37B
Total liabilities 3,404.66B 3,786.08B 4,415.05B 4,893.52B 5,322.29B
Total equity 291,297M 346,295M 370,121M 380,748M 393,500M
Operating cash flow 919M -101,660M 16,558M -77,553M -79,114M
 Mar 2016Mar 2017Mar 2018Mar 2019Feb 2020
Revenue 2,861.66M 3,356.82M 3,579.06M 3,854.91M 4,480.06M
Gross Profit 2,013.56M 2,903.13M 3,059.61M 3,291.51M 4,083.25M
Operating income 445.40M 564.47M 585.81M 634.27M 651.16M
Income before tax 493.40M 550.98M 600.64M 623.81M 645.78M
Net income 297.99M 364.34M 348.96M 355.37M 341.75M
EBITDA 948.13M 1,250.24M 1,311.34M 1,416.82M 1,042.43M
Diluted EPS 1.49 1.69 1.53 1.56 1.54
Dividends Per Share 0.54 0.62 0.61 0.61 --
Total Assets 33,324.84M 37,577.51M 45,630.87M 48,265.15M 53,598.20M
Total liabilities 30,291.91M 33,977.26M 41,514.38M 44,211.26M 49,342.15M
Total equity 2,591.72M 3,107.73M 3,480.21M 3,439.92M 3,648.07M
Operating cash flow 7.65M -938.79M 149.39M -699.33M -725.75M

Valuation Measures

Feb 2020
PER9.08
ROA0.70%
ROE9.75%
Operating margin14.53%
Profit margin7.62%

Key executives

  • President & Representative Director: Kenji Fujita
  • Director, GM-Systems & Head-IT Digital: Kazuo Ishizuka
  • Director & General Manager-Compliance: Tomoyuki Mitsufuji
  • Director, EVP & Head-New Business Model: Masao Mizuno
  • Director & General Manager-Administration: Hideki Wakabayashi

Shareholders

  • AEON Co., Ltd. (47.7%)
  • Massachusetts Financial Services Co. (6.6%)
  • Nomura Asset Management Co., Ltd. (1.6%)
  • Lazard Asset Management LLC (1.6%)
  • The Vanguard Group, Inc. (1.5%)
  • Maxvalu Nishinihon Co., Ltd. (1.2%)
  • Norges Bank Investment Management (1.1%)
  • Daiwa Asset Management Co. Ltd. (0.7%)
  • Nikko Asset Management Co., Ltd. (0.7%)
  • BlackRock Fund Advisors (0.7%)

Contact Details

Related Companies

  • AEON Credit Service Philippines, Inc.
  • AEON Insurance Service (Thailand) Co. Ltd.
  • AEON Credit Service Co., Ltd.
  • AEON Financial Service (Hong Kong) Co. Ltd.
  • ACS Trading Vietnam Co. Ltd.
  • Aeon Housing Loan Service Corp.
  • AEON Bank Ltd.
  • AEON Credit Service (Taiwan) Co. Ltd.
  • ACS Capital Corp. Ltd.
  • AEON Credit Service (M) Bhd.
  • ACS Credit Management Co., Ltd.
  • Toshiba Finance Corp.
  • AEON Credit Service (Asia) Co. Ltd.

Competitors

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