AEON Financial Service Co., Ltd.
$8.570.0%YTD0.0%1Y0.0%
Mentions · last 7 days
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Price updated 2d ago·X counts updated 2h ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $AEOJF, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Financial - Credit Services sits in its cycle right now — and what that implies for $AEOJF.
Financial - Credit Services
No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.
What this means for $AEOJF
Partial — Japanese consumer finance company offering credit cards and loans across Asia, primarily through AEON's retail ecosystem; partial earnings exposure to financial - credit services demand dynamics through its product portfolio.
Industry benchmark
19-name peer basket
-1.8%YTD
-4.2%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
12.7How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
0.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
11.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
0.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
0.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
5.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
75.3%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
14.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q2 2026Jul 9, 2026$0.26$0.09+175.4%
Q1 2026Apr 8, 2026$0.20$0.24-17.2%
Q4 2025Jan 8, 2026$0.17$0.19-12.0%
Q3 2025Oct 9, 2025$0.14$0.21-34.2%
Next earningsTue, Oct 13·consensus EPS $0.21
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$150.4B+16178.8%72.7%12.8%$41.46—
Q4 FY25$141.7B+10.2%74.5%13.4%$31.31$0
Q3 FY25$139.1B+8.0%72.5%10.2%$4110.00$0
Q2 FY25$926.0M-99.2%12308%11.2%$20.33$0
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY27$599.0B$580.6B – $618.3B$87.16$80.59 – $92.328
FY28$630.1B$577.2B – $666.8B$124.70$115.31 – $132.088
FY29$664.8B$626.3B – $695.0B$149.09$137.87 – $157.924
FY30$681.1B$641.6B – $712.1B$206.39$190.85 – $218.614
FY31$704.4B$663.6B – $736.5B$224.97$208.03 – $238.293
Setup & momentum
Volume, range, and moving-average position — the technical setup driving short-term moves.
Right now
Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.—Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.—Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+0.0%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+0.0%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatMid float · 81.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.β0.265-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.ListedOTCListed on an over-the-counter market (PNK / OTCQB / OTCQX), not a major exchange. Lower disclosure requirements and thinner liquidity.
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Voices on X · last 7 days
No standout posts about $AEOJF on X in the last 7 days.