AEON Financial Service Co (AEOJF) Fair Value & Analysis

Financial Services · US · Market cap $2.1B

A solid business, screening 22% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($10.39). The market is more pessimistic than our downside scenario.
• Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality.
• The models converge in a tight band ($10.39 to $10.47), unusually little disagreement for a valuation.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.

How to read this chart

60‑month range $7.58 – $19.05 · fair‑value band $10.39 – $10.47 · the $8.57 price screens below the $10.47 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 25, 2026.

Full chart & analysis →

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Analysis

AEON Financial Service Co (AEOJF) currently trades at $8.57, while our model-based Fair Value estimate is $10.47, implying the stock looks roughly 22.2% undervalued today. The Quality Score stands at 53/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, AEON Financial Service Co generated revenue of $511B at a net margin of 4.1%. Revenue grew 9.9% year over year. It earns a return on equity of 6.1%. Net debt stands at $728B. Fundamentals as of Jul 25, 2026

Our scenario range runs from $10.39 (bear case) to $10.47 (bull case); at $8.57, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 13% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 22%, AEOJF screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Growth DCF ($7,577) versus Earnings-Based ($591.09). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

AEON Financial Service Co., Ltd., through its subsidiaries, provides various financial services in Japan. It operates in five segments: Retail, Solutions, China Area, Mekong Area, and Malaysia Area.

Full company description

AEON Financial Service Co., Ltd., through its subsidiaries, provides various financial services in Japan. It operates in five segments: Retail, Solutions, China Area, Mekong Area, and Malaysia Area. The company engages in banking and insurance business; provision of financial services, including database of processing and installment payments, as well as credit cards and loans. It is also involved in bank and business management activities; life insurance sales business; non-life insurance agency business; management, collection and purchase of specified monetary claims, and backup servicing business; and provision of housing related loans, property leases, short-term small amount insurance services, as well as digital solutions for local governments. AEON Financial Service Co., Ltd. was incorporated in 1981 and is based in Tokyo, Japan.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

AEON Financial Service Co reported revenue of $471B in FY2026 versus $420B in FY2022, a compound +2.9%/yr. Reported net income was $21.1B in FY2026, compounding −8.6%/yr from FY2022.

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Peer Group

Credit Services · 333 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Credit Services median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.