# AEON Financial Service vs Credit Saison

> Unit: JPY millions (ratios in %)
> Periods: AEON Financial Service = FY ending Feb 2026, consolidated, J-GAAP / Credit Saison = FY ending Mar 2026, consolidated, IFRS
> Retrieved: 2026-09-30T22:50:33.901Z

| Metric | AEON Financial Service | Credit Saison |
| --- | ---: | ---: |
| Revenue | 569,370 | 472,770 |
| Operating income | 60,655 | — |
| Net income | 21,092 | 61,728 |
| COGS ratio | — | 15.5% |
| Operating margin | 10.7% | — |
| Net margin | 3.7% | 13.1% |
| FCF margin | 46.9% | -32.5% |
| Period | FY ending Feb 2026 | FY ending Mar 2026 |
| Source | S100Y53G | S100YCDE |

## Company details

- https://vizora.meequs.com/en/company/aeon-financial-service/md
- https://vizora.meequs.com/en/company/credit-saison/md

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).