AEON Financial Service Co. Ltd (AEOJF) fair value: what the stock is really worth
As of Aug 28, 2026: fair value of AEON Financial Service Co. Ltd $12.40, price $8.57, upside +44.7%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $7.58 – $19.05 · fair‑value band $10.66 – $16.41 · the $8.57 price screens below the $12.40 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
AEON Financial Service Co. Ltd (AEOJF) currently trades at $8.57, while our model-based Fair Value estimate is $12.40, implying the stock looks roughly 30.9% undervalued today.
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Valuation
How firm this estimate is: it rests on 24 models at a data quality of 94/100, which puts the evidence level at high.
Scenario range: $10.66 (bear) to $16.41 (bull), the price of $8.57 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
AEON Financial Service Co. Ltd 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.
Key figures
Market cap $2.1B · P/E ratio 15.6 · P/S ratio 0.70 · EPS (TTM) $0.5500 · Dividend yield 4.2% · Net margin 4.5% · Return on equity 6.1% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades at its 52-week high and at its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 45%, AEOJF screens cheaper than that median.
Fair Value models
Bear $10.66Fair Value $12.40Bull $16.41
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.57/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−4.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.6%
Start year 2021 (pandemic). Over 10 years: +3.5% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.6%
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What shareholders gained per year (last 5 years), in JPY ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−2.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.9%
Dividend (yield on the price)4.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−7% vs −6%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.31% → 10%
Compare AEON Financial Service Co. Ltd with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Credit Services · 330 stocks
Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+45% · Above median
Profitability
Return on equity (TTM)6% · Below median
Return on assets0% · Bottom 25%
Net margin (TTM)4% · Bottom 25%
Operating margin (TTM)13% · Below median
Growth and dividend
Revenue growth10% · Above median
Dividend yield (TTM)4.2% · Above median
Balance sheet
Debt / equity1.51× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "AEON Financial Service Co. Ltd Fair Value". https://www.fairvalue-calculator.com/stock/AEOJF
Frequently asked questions
Is AEON Financial Service Co. Ltd (AEOJF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $12.40 versus the last price from Aug 28, 2026 of $8.57, about +45% upside (undervalued).
What is the fair value of AEOJF?
Our model-based fair value for AEON Financial Service Co. Ltd is $12.40 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Aug 28, 2026): $8.57.
What is the quality score of AEOJF?
AEON Financial Service Co. Ltd has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for AEON Financial Service Co. Ltd (AEOJF)?
Our model-based price target is the fair value of $12.40 (as of Sep 24, 2026) from 11 valuation models. Cautious scenario $10.66, optimistic scenario $16.41. It is a calculation from audited fundamentals, not an analyst target.
What is the AEON Financial Service Co. Ltd stock forecast for 2026?
Our models put fair value at $12.40, about +45% upside versus the last price from Aug 28, 2026 of $8.57 (undervalued). Cautious scenario $10.66, optimistic scenario $16.41. The calculation is refreshed regularly with new filings.
What is the revenue of AEON Financial Service Co. Ltd (AEOJF)?
AEON Financial Service Co. Ltd reported trailing-twelve-month revenue of about ¥511B (latest available figure, as of Sep 24, 2026).
Does AEON Financial Service Co. Ltd pay a dividend?
AEON Financial Service Co. Ltd currently shows a dividend yield of about 4.22% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of AEON Financial Service Co. Ltd (AEOJF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AEON Financial Service Co. Ltd it is $12.40 per share (as of Sep 24, 2026), against a price of $8.57. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is AEON Financial Service Co. Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, AEOJF trades below its calculated fair value: price $8.57, fair value $12.40, a gap of about +45% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AEOJF?
No. The price is what the market pays today ($8.57); the fair value is what the company's own numbers justify ($12.40). For AEON Financial Service Co. Ltd the two are $3.83 per share apart. That gap is exactly why we show both numbers side by side.
How much is AEON Financial Service Co. Ltd worth?
The market values AEON Financial Service Co. Ltd at about $2.1B (market capitalisation, as of Sep 24, 2026). Per share that is $8.57; our models calculate a fair value of $12.40 per share.
What do the bullish and bearish scenarios say about AEOJF?
Our models span a range for AEON Financial Service Co. Ltd: cautious scenario $10.66, base $12.40, optimistic $16.41 per share (as of Sep 24, 2026, price $8.57). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AEOJF?
AEON Financial Service Co. Ltd trades at a price-to-earnings ratio of 15.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.40 is built from several models across several years. Other multiples: P/B 0.7, P/S 0.6, EV/EBITDA 4.6.
How solid is the balance sheet of AEON Financial Service Co. Ltd (AEOJF)?
Balance-sheet figures for AEON Financial Service Co. Ltd (as of Sep 24, 2026): return on equity 6.1%, debt of 1.51 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is AEOJF from its 52-week high?
AEON Financial Service Co. Ltd trades at $8.57, at its 52-week high of $8.57 and at the low of $8.57 (as of Aug 28, 2026). Distance from the high says nothing about value: that is what the fair value of $12.40 is for.
Which stocks are comparable to AEON Financial Service Co. Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is AEON Financial Service Co. Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price $8.57, calculated fair value $12.40 (+45%), Quality Score 53/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AEOJF calculated?
We run AEON Financial Service Co. Ltd through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $12.40, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. AEON Financial Service Co. Ltd currently trades 45 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of AEON Financial Service Co. Ltd (AEOJF)?
The latest price we hold is from Aug 28, 2026 and stands at $8.57. Our model-based fair value is $12.40, about +45% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AEON Financial Service Co. Ltd right now?
The price is below even our cautious bear case ($10.66). 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. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of AEON Financial Service Co. Ltd (AEOJF) come from?
Earnings per share at AEON Financial Service Co. Ltd grew −2.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.8 %, EBIT margin −3.9 %, tax rate −1.5 %, residual (interest, one-offs) −1.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of AEON Financial Service Co. Ltd
How large is the market capitalisation of AEON Financial Service Co. Ltd (AEOJF)?
The market capitalisation of AEON Financial Service Co. Ltd is $2.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of AEON Financial Service Co. Ltd (AEOJF)?
The price-to-sales ratio of AEON Financial Service Co. Ltd is 0.70 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of AEON Financial Service Co. Ltd (AEOJF)?
Earnings per share at AEON Financial Service Co. Ltd are $0.5500 (price ÷ EPS = P/E 15.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of AEON Financial Service Co. Ltd (AEOJF)?
The dividend yield of AEON Financial Service Co. Ltd is 4.2% (payout 65.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of AEON Financial Service Co. Ltd (AEOJF)?
The net margin of AEON Financial Service Co. Ltd is 4.5% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of AEON Financial Service Co. Ltd (AEOJF)?
The return on equity (ROE) of AEON Financial Service Co. Ltd is 6.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of AEON Financial Service Co. Ltd (AEOJF)?
On an EBIT basis the return on assets of AEON Financial Service Co. Ltd is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of AEON Financial Service Co. Ltd (AEOJF)?
The operating margin of AEON Financial Service Co. Ltd is 13.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AEON Financial Service Co. Ltd (AEOJF)?
Revenue at AEON Financial Service Co. Ltd is growing +9.9% versus a year earlier (3y avg +4.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at AEON Financial Service Co. Ltd (AEOJF)?
Earnings per share at AEON Financial Service Co. Ltd are growing +15.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does AEON Financial Service Co. Ltd (AEOJF) generate?
The free cash flow of AEON Financial Service Co. Ltd is ¥267B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does AEON Financial Service Co. Ltd (AEOJF) carry?
The net debt of AEON Financial Service Co. Ltd is ¥728B (fiscal year 2026, ≈ 2.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Sep 24, 2026