# AEON Financial Service vs Credit Saison vs LY Corporation vs Rakuten

> Unit: JPY millions (ratios in %)
> Periods: AEON Financial Service = FY ending Feb 2026, consolidated, J-GAAP / Credit Saison = FY ending Mar 2026, consolidated, IFRS / LY Corporation = FY ending Mar 2026, consolidated, IFRS / Rakuten = FY ending Dec 2025, consolidated, IFRS
> Retrieved: 2026-09-30T18:29:46.642Z

| Metric | AEON Financial Service | Credit Saison | LY Corporation | Rakuten |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 569,370 | 472,770 | 2,036,366 | 2,496,575 |
| Operating income | 60,655 | — | 341,322 | 14,382 |
| Net income | 21,092 | 61,728 | 193,692 | -177,886 |
| COGS ratio | — | 15.5% | 26.0% | — |
| Operating margin | 10.7% | — | 16.8% | 0.6% |
| Net margin | 3.7% | 13.1% | 9.5% | -7.1% |
| FCF margin | 46.9% | -32.5% | — | 8.7% |
| Period | FY ending Feb 2026 | FY ending Mar 2026 | FY ending Mar 2026 | FY ending Dec 2025 |
| Source | S100Y53G | S100YCDE | S100YTT6 | S100XTNW |

## 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 | AEON Financial Service | Credit Saison | LY Corporation | Rakuten |
| --- | ---: | ---: | ---: | ---: |
| Revenue growth | — | — | 66 (25 peers) | 70 (25 peers) |
| Profitability | — | — | 86.8 (34 peers) | 22.1 (34 peers) |
| Cash conversion | — | — | 72.2 (27 peers) | 98.1 (27 peers) |
| Efficiency | — | — | 4.4 (34 peers) | 1.5 (34 peers) |
| Financial strength | — | — | — | — |

## Company details

- 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/ly/md
- https://vizora.meequs.com/en/company/rakuten-group/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).