AEON Financial ServiceAEON Financial Service Co.,Ltd.8570東証プライムその他金融業FY ending Feb 2026, consolidated, J-GAAP
Out of every ¥100 of sales, about ¥11 is left as operating profit. Revenue changed +6.8% from the prior year, operating profit -1.3%.
Net margin × asset turnover = ROA; ROA × financial leverage = ROE
Denominators: average assets and average equity. Derived from reported values; ROE is shown only for positive profit and equity.
| Period | Net margin | Asset turnover | ROA | Financial leverage | ROE |
|---|---|---|---|---|---|
| 2022 | 6.4% | 0.07× | 0.5% | 14.82× | 7.1% |
| 2023 | 6.8% | 0.07× | 0.5% | 14.91× | 7.1% |
| 2024 | 4.3% | 0.07× | 0.3% | 15.21× | 4.7% |
| 2025 | 2.9% | 0.07× | 0.2% | 16.25× | 3.5% |
| 2026 | 3.7% | 0.07× | 0.3% | 17.50× | 4.6% |
Financial leverage can raise ROE; a higher value alone does not describe a company's overall condition.
Annual trends in tangible-asset ratios and goodwill balance.
Ratios are derived from reported values. Goodwill is shown only when separately reported; it is not inferred from combined intangible assets. Definition
| Item | FY ending Feb 2022 | FY ending Feb 2023 | FY ending Feb 2024 | FY ending Feb 2025 | FY ending Feb 2026 |
|---|---|---|---|---|---|
| Revenue | 470,657 | 451,767 | 485,608 | 533,262 | 569,370 |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| SG&A | 347,766 | 342,034 | 381,006 | 406,259 | 427,258 |
| Operating income | 58,852 | 58,859 | 50,088 | 61,485 | 60,655 |
| Pretax income | 59,745 | 59,801 | 48,883 | 45,386 | 48,763 |
| Income tax | 18,698 | 16,177 | 15,175 | 16,815 | 12,023 |
| Net income attributable to owners | 30,212 | 30,677 | 20,896 | 15,644 | 21,092 |
| Operating margin | 12.5% | 13.0% | 10.3% | 11.5% | 10.7% |
Year-end figures from filings. Unreported items are omitted. Interest-bearing debt excludes lease liabilities.
Each bar totals 100% of assets; other is the residual.
| Item | FY ending Feb 2022 | FY ending Feb 2023 | FY ending Feb 2024 | FY ending Feb 2025 | FY ending Feb 2026 |
|---|---|---|---|---|---|
| Cash and equivalents | ¥697.6B | ¥804.7B | ¥625.5B | ¥795.1B | ¥662.8B |
| Total assets | ¥6.28T | ¥6.66T | ¥6.95T | ¥7.76T | ¥8.31T |
| Net assets | ¥509.1B | ¥541.1B | ¥574.3B | ¥585.8B | ¥625.2B |
| Share capital | ¥45.7B | ¥45.7B | ¥45.7B | ¥45.7B | ¥45.7B |
| Property, plant and equipment | ¥34.3B | ¥31.9B | ¥32.1B | ¥34.5B | ¥40.9B |
| Intangible assets excluding goodwill | ¥127B | ¥131B | ¥140.4B | ¥187.5B | ¥192.5B |
| Goodwill | ¥14.9B | ¥13.2B | ¥11.7B | ¥40.2B | ¥36.2B |
| Investment securities | ¥13B | ¥18B | ¥14.6B | ¥14.9B | ¥24.8B |
| Current assets | ¥5.98T | ¥6.34T | ¥6.62T | ¥7.42T | ¥7.95T |
| Current liabilities | ¥5.05T | ¥5.34T | ¥5.59T | ¥6.3T | ¥6.73T |
| Short-term borrowings | ¥204.1B | ¥221.9B | ¥249.4B | ¥169.1B | ¥160.8B |
| Long-term borrowings | ¥335.9B | ¥417.2B | ¥451.1B | ¥586.5B | ¥619.6B |
| Bonds | ¥277.3B | ¥264.8B | ¥240.6B | ¥204B | ¥275.1B |
| Interest-bearing debt | ¥817.3Bderived | ¥904Bderived | ¥941.1Bderived | ¥959.5Bderived | ¥1.06Tderived |
| Total liabilities | ¥5.77T | ¥6.12T | ¥6.37T | ¥7.17T | ¥7.69T |
| Non-controlling interests | ¥84.8B | ¥106.3B | ¥115.9B | ¥124.6B | ¥148.4B |
| Equity attributable to owners of parent | ¥423.8B | ¥443.8B | ¥450.5B | ¥454.3B | ¥463.9B |
| Retained earnings | ¥258.5B | ¥278.2B | ¥286B | ¥290.2B | ¥300B |
| Treasury stock | -¥442M | -¥390M | -¥357M | -¥330M | -¥321M |
EDINET (FSA Japan)
有価証券報告書－第45期(2025/03/01－2026/02/28)
EDINET (FSA Japan)
訂正有価証券報告書－第44期(2024/03/01－2025/02/28)
EDINET (FSA Japan)
有価証券報告書－第43期(2023/03/01－2024/02/29)
EDINET (FSA Japan)
有価証券報告書－第42期(2022/03/01－2023/02/28)
EDINET (FSA Japan)
有価証券報告書－第41期(令和3年3月1日－令和4年2月28日)
EDINET (FSA Japan)
有価証券報告書－第40期(令和2年3月1日－令和3年2月28日)
Extracted from XBRL: 52 / Derived from other figures: 2
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