Company profile

AEON Financial Service Co.,Ltd.

EDINET
E04912
Securities
8570
Industry
Other Financing Business
Latest annual securities report
2026-05-19 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-10-01 Shelf Registration Supplement PDF HTML
Compare this company

Industry position

Other Financing Business

View details
Profitability Weak Current Bottom 26% 5-year trend Deteriorating
Financial strength Weak Based on Equity ratio Current Bottom 12% 5-year trend Broadly stable
Growth Average Current Bottom 49% 5-year trend Improving

Latest half-year results

H1 FY2026

2025/03/01 - 2025/08/31

Consolidated · Japanese GAAP · Cumulative YTD

For H1 FY2026, revenue was ¥278.16 billion. Operating income was ¥28.32 billion. Net income was ¥16.11 billion.

Revenue ¥278.16B
Operating income ¥28.32B
Net income ¥16.11B
Operating cash flow ¥207.37B
Free cash flow -¥38.08B
Total assets ¥8.22T

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥569.37 billion, up 6.8% year over year. Operating income was ¥60.66 billion, down 1.3% year over year. Operating margin was 10.7%. Net income was ¥21.09 billion, up 34.8% year over year. ROE was 3.4%; equity ratio was 5.7%; free cash flow was -¥120.16 billion.

Revenue ¥569.37B up 6.8% year over year
Operating income ¥60.66B down 1.3% year over year
Net income ¥21.09B up 34.8% year over year
Total assets¥8.31T
Total equity—
Operating cash flow¥303.67B
Free cash flow-¥120.16B

Industry position details

Other Financing Business

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Weak

Operating margin Bottom 65% / ROE Bottom 92%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 92%

Growth Average

Revenue growth Bottom 62% / 3-year revenue CAGR Top 47%

Profitability Industry position history Deteriorating
2026 Bottom 26% 2025 Bottom 25% 2024 Bottom 29% 2023 Bottom 32% 2022 Bottom 36%
Financial strength Industry position history Broadly stable
2026 Bottom 12% 2025 Bottom 10% 2024 Bottom 13% 2023 Bottom 17% 2022 Bottom 18%
Growth Industry position history Improving
2026 Bottom 49% 2025 Bottom 45% 2024 Bottom 32% 2023 Bottom 22% 2022 Bottom 22%
Profitability Operating margin 10.7% Industry median 12.3% Bottom 65% Comparison sample 31
Profitability ROE 3.4% Industry median 9.5% Bottom 92% Comparison sample 35
Financial strength Equity ratio 5.7% Industry median 18.4% Bottom 92% Comparison sample 35
Growth Revenue growth +6.8% Industry median +10.1% Bottom 62% Comparison sample 34
Growth 3-year revenue CAGR +8.0% Industry median +7.5% Top 47% Comparison sample 30

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 569370000000 60655000000 60693000000 21092000000 21092000000 58590000000 8313956000000 7688746000000 625209000000 463916000000 625209000000 303665000000 -423829000000 -18628000000 -120164000000 662791000000 97.7 18.1 1768.37 381985830051.36 2208.77 216010128 0.0751999409 0.057 0.0337359187 0.0025369391 0.1065300244 0.1065967648 0.0370444526 0.5333350897 -0.2110472979 0.0677115564 -0.0134992275 -0.0297502957 0.3482485298 0.0718706343 0.0673357621 -0.1257337974 -1.6743543309 0.0648124906 -1.6362664012 -0.166371933 0.3481440596 0.0 -0.03891426 14942
FY2025 Consolidated Japanese GAAP 533262000000 61485000000 62554000000 15644000000 15644000000 31410000000 7756492000000 7170726000000 585766000000 454306000000 585766000000 347337000000 -158479000000 -19919000000 188858000000 795068000000 72.47 16.7 1210.249 261426041401.872 2136.09 216010128 0.0755194487 0.059 0.0267069103 0.0020168911 0.1152997963 0.1173044395 0.0293364237 0.6513439923 0.3541561184 0.0981326502 0.2275395304 0.2223785516 -0.2513399694 0.1167536838 0.0199367596 7.8405742871 -0.3938714302 -0.094992029 2.1482614168 0.2711285057 -0.2514203078 0.0 -0.0263652305 15547
FY2024 Consolidated Japanese GAAP 485608000000 50088000000 51174000000 20896000000 20896000000 57849000000 6945571000000 6371254000000 574316000000 450508000000 574316000000 -50776000000 -113697000000 -18191000000 -164473000000 625482000000 96.81 13.5 1306.935 282311196637.680 2123.47 216010128 0.08268809 0.066 0.0363841509 0.0030085359 0.1031449235 0.1053812952 0.0430305926 -0.1045617041 -0.3386949968 0.0749080831 -0.1490171427 -0.1685378654 -0.3188382176 0.0429618402 0.0613213387 -1.4829462231 -10.6386063072 -0.2494676832 -2.4065455727 -0.2227072933 -0.3188630127 0.0 -0.0178977797 15968
FY2023 Consolidated Japanese GAAP 451767000000 58859000000 61547000000 30677000000 30677000000 46011000000 6659468000000 6118335000000 541133000000 443750000000 541133000000 105138000000 11796000000 -14559000000 116934000000 804693000000 142.13 9.1 1293.383 279383827383.024 2014.29 216010128 0.0812576921 0.065 0.0566903146 0.0046065241 0.1302861873 0.1362361571 0.0679044729 0.2327261619 0.2588369668 -0.0401353852 0.0001189424 0.0267416255 0.0153912353 0.060663659 0.0630148019 0.3781902552 1.3514689232 -0.0778057447 1.7368987712 0.1534700442 0.015359337 0.0 0.0105662254 16259
FY2022 Consolidated Japanese GAAP 470657000000 58852000000 59944000000 30212000000 30212000000 47593000000 6278586000000 5769530000000 509055000000 423771000000 509055000000 76287000000 -33562000000 -13508000000 42725000000 697628000000 139.98 8.5 1189.830 257015330598.240 1965.47 216010128 0.0810779688 0.068 0.0593491862 0.0048119115 0.1250422282 0.1273623892 0.0641911201 0.1620861902 0.0907773602 -0.0341713369 0.447738063 0.4897360704 0.7075679647 0.0252893625 0.0724465783 0.2248643268 0.6450606512 0.058938275 2.3237800155 0.0463300427 0.7072813758 0.0 -0.0864232582 16089
FY2021 Consolidated Japanese GAAP 487309000000 40651000000 40238000000 17693000000 17693000000 27775000000 6123721000000 5649053000000 474667000000 402768000000 474667000000 62282000000 -94557000000 -14354000000 -32275000000 666738000000 81.99 16.6 1361.034 293997128552.352 1860.08 216010128 0.077512839 0.066 0.0372745525 0.0028892564 0.0834193499 0.0825718384 0.0363075584 0.1278080232 -0.0662310772 0.0656687369 -0.3752727832 -0.388452361 -0.4818881958 0.0592162411 0.0339639492 -0.8231715107 0.4670983668 0.8387915544 -1.1846617729 -0.0654170761 -0.4818957346 0.0 -0.1138227746 17611
FY2020 Consolidated Japanese GAAP 457280000000 65070000000 65797000000 34149000000 34149000000 34058000000 5781370000000 5322295000000 459075000000 396032000000 459075000000 352217000000 -177438000000 -89040000000 174779000000 713407000000 158.25 7.3 1155.225 249540300118.800 1823.05 216010128 0.0794059194 0.068 0.0743865381 0.0059067314 0.1422979356 0.1438877712 0.0746785339 0.7702436144 0.3822143982 19873

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp