JACCS Co., Ltd. Logo

JACCS Co., Ltd.

8584.T

(3.0)
Stock Price

3.930,00 JPY

0.61% ROA

10.13% ROE

8.26x PER

Market Cap.

188.060.666.800,00 JPY

1332.16% DER

3.6% Yield

11.83% NPM

JACCS Co., Ltd. Stock Analysis

JACCS Co., Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

JACCS Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.95x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Net Profit Growth

With a track record of consistent net profit growth over the past five years, this company presents a compelling investment opportunity due to its strong financial performance.

3 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

4 ROE

The stock's ROE falls within an average range (10.88%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.67%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

8 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (51.723) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (1308%), making it financially unstable and potentially risky for investors.

11 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

JACCS Co., Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

JACCS Co., Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

JACCS Co., Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

JACCS Co., Ltd. Revenue
Year Revenue Growth
2004 144.905.000.000
2005 149.700.000.000 3.2%
2006 154.903.000.000 3.36%
2007 139.912.000.000 -10.71%
2008 142.039.000.000 1.5%
2009 127.101.000.000 -11.75%
2010 116.241.000.000 -9.34%
2011 107.384.000.000 -8.25%
2012 102.946.000.000 -4.31%
2013 104.131.000.000 1.14%
2014 108.254.000.000 3.81%
2015 113.670.000.000 4.76%
2016 119.650.000.000 5%
2017 134.048.000.000 10.74%
2018 145.834.000.000 8.08%
2019 158.607.000.000 8.05%
2020 160.647.000.000 1.27%
2021 164.069.000.000 2.09%
2022 173.505.000.000 5.44%
2023 182.180.000.000 4.76%
2023 186.043.000.000 2.08%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

JACCS Co., Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

JACCS Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 19.348.000.000
2005 19.153.000.000 -1.02%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 76.903.000.000 100%
2013 74.675.000.000 -2.98%
2014 0 0%
2015 0 0%
2016 -3.916.000.000 100%
2017 -3.995.000.000 1.98%
2018 108.130.000.000 103.69%
2019 115.647.000.000 6.5%
2020 116.772.000.000 0.96%
2021 112.910.000.000 -3.42%
2022 113.834.000.000 0.81%
2023 0 0%
2023 -4.310.000.000 100%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

JACCS Co., Ltd. EBITDA
Year EBITDA Growth
2004 109.194.000.000
2005 116.784.000.000 6.5%
2006 15.777.000.000 -640.22%
2007 10.293.000.000 -53.28%
2008 13.509.000.000 23.81%
2009 18.291.000.000 26.14%
2010 9.312.000.000 -96.42%
2011 13.445.000.000 30.74%
2012 12.730.000.000 -5.62%
2013 16.148.000.000 21.17%
2014 18.401.000.000 12.24%
2015 20.244.000.000 9.1%
2016 18.803.000.000 -7.66%
2017 22.371.000.000 15.95%
2018 25.015.000.000 10.57%
2019 26.272.000.000 4.78%
2020 26.506.000.000 0.88%
2021 37.311.000.000 28.96%
2022 41.813.000.000 10.77%
2023 29.088.000.000 -43.75%
2023 43.264.000.000 32.77%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

JACCS Co., Ltd. Gross Profit
Year Gross Profit Growth
2004 133.830.000.000
2005 139.457.000.000 4.03%
2006 144.093.000.000 3.22%
2007 126.853.000.000 -13.59%
2008 125.362.000.000 -1.19%
2009 112.921.000.000 -11.02%
2010 103.540.000.000 -9.06%
2011 96.355.000.000 -7.46%
2012 93.244.000.000 -3.34%
2013 95.280.000.000 2.14%
2014 99.768.000.000 4.5%
2015 105.635.000.000 5.55%
2016 112.354.000.000 5.98%
2017 123.989.000.000 9.38%
2018 132.866.000.000 6.68%
2019 143.996.000.000 7.73%
2020 143.800.000.000 -0.14%
2021 149.691.000.000 3.94%
2022 157.844.000.000 5.17%
2023 161.504.000.000 2.27%
2023 172.217.000.000 6.22%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

JACCS Co., Ltd. Net Profit
Year Net Profit Growth
2004 7.807.000.000
2005 8.857.000.000 11.86%
2006 2.873.000.000 -208.28%
2007 -9.758.000.000 129.44%
2008 2.587.000.000 477.19%
2009 3.569.000.000 27.51%
2010 4.398.000.000 18.85%
2011 6.822.000.000 35.53%
2012 7.642.000.000 10.73%
2013 6.504.000.000 -17.5%
2014 7.107.000.000 8.48%
2015 7.569.000.000 6.1%
2016 8.724.000.000 13.24%
2017 7.859.000.000 -11.01%
2018 8.955.000.000 12.24%
2019 10.732.000.000 16.56%
2020 11.778.000.000 8.88%
2021 18.316.000.000 35.7%
2022 21.651.000.000 15.4%
2023 18.620.000.000 -16.28%
2023 34.384.000.000 45.85%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

JACCS Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 265
2005 300 12%
2006 98 -209.28%
2007 -329 129.48%
2008 74 550.68%
2009 102 27.72%
2010 126 19.2%
2011 195 35.57%
2012 219 11.01%
2013 189 -15.96%
2014 207 9.18%
2015 220 5.91%
2016 253 12.7%
2017 227 -11.01%
2018 260 12.69%
2019 312 16.4%
2020 341 8.53%
2021 529 35.61%
2022 625 15.38%
2023 537 -16.42%
2023 50.186.418 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

JACCS Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2004 -10.974.000.000
2005 -22.870.000.000 52.02%
2006 6.791.000.000 436.77%
2007 51.892.000.000 86.91%
2008 92.065.000.000 43.64%
2009 120.513.000.000 23.61%
2010 100.123.000.000 -20.36%
2011 31.265.000.000 -220.24%
2012 8.095.000.000 -286.23%
2013 -100.020.000.000 108.09%
2014 -96.107.000.000 -4.07%
2015 -153.357.000.000 37.33%
2016 -160.426.000.000 4.41%
2017 -175.329.000.000 8.5%
2018 -318.468.000.000 44.95%
2019 -319.900.000.000 0.45%
2020 -150.711.000.000 -112.26%
2021 -160.186.000.000 5.91%
2022 -223.551.000.000 28.34%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

JACCS Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 -4.654.000.000
2005 -15.832.000.000 70.6%
2006 12.652.000.000 225.13%
2007 58.022.000.000 78.19%
2008 94.774.000.000 38.78%
2009 122.877.000.000 22.87%
2010 104.111.000.000 -18.02%
2011 36.236.000.000 -187.31%
2012 15.157.000.000 -139.07%
2013 -89.429.000.000 116.95%
2014 -86.683.000.000 -3.17%
2015 -144.453.000.000 39.99%
2016 -152.722.000.000 5.41%
2017 -167.815.000.000 8.99%
2018 -309.890.000.000 45.85%
2019 -308.473.000.000 -0.46%
2020 -141.114.000.000 -118.6%
2021 -152.023.000.000 7.18%
2022 -214.000.000.000 28.96%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

JACCS Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 6.320.000.000
2005 7.038.000.000 10.2%
2006 5.861.000.000 -20.08%
2007 6.130.000.000 4.39%
2008 2.709.000.000 -126.28%
2009 2.364.000.000 -14.59%
2010 3.988.000.000 40.72%
2011 4.971.000.000 19.77%
2012 7.062.000.000 29.61%
2013 10.591.000.000 33.32%
2014 9.424.000.000 -12.38%
2015 8.904.000.000 -5.84%
2016 7.704.000.000 -15.58%
2017 7.514.000.000 -2.53%
2018 8.578.000.000 12.4%
2019 11.427.000.000 24.93%
2020 9.597.000.000 -19.07%
2021 8.163.000.000 -17.57%
2022 9.551.000.000 14.53%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

JACCS Co., Ltd. Equity
Year Equity Growth
2004 94.527.000.000
2005 107.300.000.000 11.9%
2006 105.333.000.000 -1.87%
2007 99.523.000.000 -5.84%
2008 97.834.000.000 -1.73%
2009 103.258.000.000 5.25%
2010 105.245.000.000 1.89%
2011 111.332.000.000 5.47%
2012 117.468.000.000 5.22%
2013 122.712.000.000 4.27%
2014 132.844.000.000 7.63%
2015 133.283.000.000 0.33%
2016 140.287.000.000 4.99%
2017 153.122.000.000 8.38%
2018 156.736.000.000 2.31%
2019 162.890.000.000 3.78%
2020 174.150.000.000 6.47%
2021 192.215.000.000 9.4%
2022 210.603.000.000 8.73%
2023 227.316.000.000 7.35%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

JACCS Co., Ltd. Assets
Year Assets Growth
2004 2.812.645.000.000
2005 2.797.953.000.000 -0.53%
2006 2.833.124.000.000 1.24%
2007 2.788.607.000.000 -1.6%
2008 3.024.588.000.000 7.8%
2009 2.827.806.000.000 -6.96%
2010 2.786.288.000.000 -1.49%
2011 2.725.816.000.000 -2.22%
2012 2.718.518.000.000 -0.27%
2013 2.896.405.000.000 6.14%
2014 3.158.044.000.000 8.28%
2015 3.437.641.000.000 8.13%
2016 3.710.582.000.000 7.36%
2017 4.196.092.000.000 11.57%
2018 4.813.284.000.000 12.82%
2019 4.231.590.000.000 -13.75%
2020 4.484.954.000.000 5.65%
2021 4.828.881.000.000 7.12%
2022 3.575.732.000.000 -35.05%
2023 3.793.871.000.000 5.75%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

JACCS Co., Ltd. Liabilities
Year Liabilities Growth
2004 2.718.092.000.000
2005 2.690.627.000.000 -1.02%
2006 2.727.777.000.000 1.36%
2007 2.689.069.000.000 -1.44%
2008 2.926.739.000.000 8.12%
2009 2.724.533.000.000 -7.42%
2010 2.681.027.000.000 -1.62%
2011 2.614.468.000.000 -2.55%
2012 2.601.033.000.000 -0.52%
2013 2.773.693.000.000 6.22%
2014 3.025.200.000.000 8.31%
2015 3.304.358.000.000 8.45%
2016 3.570.295.000.000 7.45%
2017 4.042.970.000.000 11.69%
2018 4.656.548.000.000 13.18%
2019 4.068.700.000.000 -14.45%
2020 4.310.804.000.000 5.62%
2021 4.636.666.000.000 7.03%
2022 3.365.129.000.000 -37.79%
2023 3.566.555.000.000 5.65%

JACCS Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5181.32
Net Income per Share
656.31
Price to Earning Ratio
8.26x
Price To Sales Ratio
1.04x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.86
EV to Sales
16.15
EV Over EBITDA
87.69
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.12
FreeCashFlow Yield
0
Market Cap
188,06 Bil.
Enterprise Value
2.913,69 Bil.
Graham Number
9643.11
Graham NetNet
-93151.05

Income Statement Metrics

Net Income per Share
656.31
Income Quality
0
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.66
EBT Per Ebit
1.01
Ebit per Revenue
0.18
Effective Tax Rate
0.33

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.89
Operating Profit Margin
0.18
Pretax Profit Margin
0.18
Net Profit Margin
0.12

Dividends

Dividend Yield
0.04
Dividend Yield %
3.6
Payout Ratio
0
Dividend Per Share
195

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
5397.95
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0.07
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
9.275,92
Book Value per Share
6.297,13
Tangible Book Value per Share
5781.17
Shareholders Equity per Share
6297.13
Interest Debt per Share
83887.79
Debt to Equity
13.32
Debt to Assets
0.77
Net Debt to EBITDA
82.03
Current Ratio
1.87
Tangible Asset Value
201,30 Bil.
Net Current Asset Value
135,06 Bil.
Invested Capital
13.32
Working Capital
1.725,75 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
264,50 Bil.
Average Inventory
0
Debt to Market Cap
15.53

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

JACCS Co., Ltd. Dividends
Year Dividends Growth
2001 10
2002 5 -100%
2003 15 66.67%
2004 7 -114.29%
2005 8 12.5%
2006 9 11.11%
2007 5 -80%
2009 4 -25%
2010 5 20%
2011 5 0%
2012 15 66.67%
2013 12 -25%
2014 9 -33.33%
2015 14 35.71%
2016 15 0%
2017 16 6.67%
2018 80 81.25%
2019 85 5.88%
2020 95 10.53%
2021 135 29.63%
2022 165 18.18%
2023 195 15.38%
2024 0 0%

JACCS Co., Ltd. Profile

About JACCS Co., Ltd.

JACCS Co., Ltd. operates as a consumer finance company in Japan and internationally. The company provides installment credit and other settlement methods for home renovation and other housing-related fields, premium wristwatches and jewelry, motorcycles, household appliances electronics, and kimono; credit for education, bridal, and healthcare services; auto loans for vehicle purchases; and auto leasing services. It also issues credit cards; and offers rental guarantee, bill collection, reimbursement, loan guarantees, non-life and life insurance agency, shared services agency, property rental, leasing, automatic auction sales agency, claim management and collection, claim acquisitions, claims management clerical, and deferred-payment settlement services. The company was formerly known as Depart Sinyohanbai Co., Ltd. and changed its name to JACCS Co., Ltd. in April 1976. JACCS Co., Ltd. was founded in 1954 and is headquartered in Tokyo, Japan.

CEO
Mr. Toru Yamazaki
Employee
6.065
Address
Ebisu Neonato Building
Tokyo, 150-8932

JACCS Co., Ltd. Executives & BODs

JACCS Co., Ltd. Executives & BODs
# Name Age
1 Shingo Yuzue
Managing Executive Officer of Shutoken Area
70
2 Mr. Toru Yamazaki
Chairman & Chief Executive Officer
70
3 Mr. Ryo Murakami
President, Chief Operating Officer & Representative Director
70
4 Muneo Tobinaga
Senior Executive Officer of Accounting and Finance
70
5 Noboru Taniguchi
Senior Executive Officer
70
6 Mr. Takashi Saitou
Chief Financial Officer, Senior Managing Executive Officer of Supervisor of Credit Mgt & Director
70
7 Mr. Kenichi Oshima
Mang. Executive Officer, Super. of Compliance, Gr. Affairs & Personnel and Director
70
8 Masayuki Nemoto
Senior Executive Officer of Credit Management
70
9 Mr. Toshio Sotoguchi
Managing Executive Officer, Super. of International Buss. & GM of International Buss. and Director
70
10 Mr. Hitoshi Chino
Senior Mag. Exe. Officer, GM of Busi. Strategy Dep. & Sup. of Credit Screening and Oper and Director
70

JACCS Co., Ltd. Competitors