# Acom vs AEON Financial Service vs Credit Saison vs Hikari Tsushin

> Unit: JPY millions (ratios in %)
> Periods: Acom = FY ending Mar 2026, consolidated, J-GAAP / AEON Financial Service = FY ending Feb 2026, consolidated, J-GAAP / Credit Saison = FY ending Mar 2026, consolidated, IFRS / Hikari Tsushin = FY ending Mar 2026, consolidated, IFRS
> Retrieved: 2026-09-30T20:41:58.042Z

| Metric | Acom | AEON Financial Service | Credit Saison | Hikari Tsushin |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 337,709 | 569,370 | 472,770 | 734,791 |
| Operating income | 100,394 | 60,655 | — | 116,664 |
| Net income | 79,635 | 21,092 | 61,728 | 151,014 |
| COGS ratio | — | — | 15.5% | 50.5% |
| Operating margin | 29.7% | 10.7% | — | 15.9% |
| Net margin | 23.6% | 3.7% | 13.1% | 20.6% |
| FCF margin | 1.9% | 46.9% | -32.5% | 5.1% |
| Period | FY ending Mar 2026 | FY ending Feb 2026 | FY ending Mar 2026 | FY ending Mar 2026 |
| Source | S100YBXA | S100Y53G | S100YCDE | S100YN0V |

## Five-axis industry profile

Each axis shows a rank within that company's primary industry, so peer groups may differ. Missing values are labeled unavailable; no combined score is calculated. Industry rank is not an investment recommendation.

| Axis | Acom | AEON Financial Service | Credit Saison | Hikari Tsushin |
| --- | ---: | ---: | ---: | ---: |
| Revenue growth | — | — | — | 41.7 (42 peers) |
| Profitability | — | — | — | 94.3 (44 peers) |
| Cash conversion | — | — | — | 8.3 (42 peers) |
| Efficiency | — | — | — | 5.7 (44 peers) |
| Financial strength | — | — | — | 65.8 (19 peers) |

## Company details

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