Industry map/Finance & Business Services
Consumer Finance industry map
Who earns the money in Consumer Finance, and who keeps it. When a company spans several industries, only the relevant segment is counted.
FY2025 · 10 companies · ¥804.2B
Industry map
Companies ordered by revenue, connected by ownership (major shareholders). Arrows point from the shareholder to the investee.
- Industry size (revenue)
- ¥804.2B
- Companies
- 10
- Avg. salary（parent only）
- ¥6.9M
- Industry weather
- Sunny
YoY +9.0%
Avg. age 43.8
Operating income +33.1%
Acom[8572]
Loan and credit card business + 3 more
- Revenue
- ¥337.6B▲6.3%
- Operating income
- ¥100.1B▲71.6%
Margin 29.6%
Whole company: Revenue ¥337.7B · Net income ¥79.6B
Avg. salary ¥7.2M · 40.7（parent only）
AEON Financial Service[8570]
Mekong Area + 2 more
- Revenue
- ¥240.4B▲8.1%
- Operating income
- ¥41.9B▲8.0%
Margin 17.4%
Whole company: Revenue ¥569.4B · Net income ¥21.1B
Avg. salary ¥7.1M · 40.7（parent only）
Credit Saison[8253]
Global
- Revenue
- ¥62.4B▲21.2%
- Operating income
- -¥1.43BTurned to loss
Margin -2.3%
Whole company: Revenue ¥472.8B · Net income ¥61.7B
Avg. salary ¥6.7M · 44.4（parent only）
- Suruga Bank owns 5.2%
Suruga Bank[8358]
Other
- Revenue
- ¥9.07B▲7.7%
- Operating income
- ¥1.11B▲70.9%
Margin 12.2%
Whole company: Revenue ¥109.9B · Net income ¥34.7B
Avg. salary ¥8M · 45.2（parent only）
- Credit Saison owns 17.2%
Hikari Tsushin[9435]
Finance
- Revenue
- ¥45.5B▲37.4%
- Operating income
- ¥22.1B▲23.6%
Margin 48.5%
Whole company: Revenue ¥734.8B · Net income ¥151B
Avg. salary ¥35.2M · 49.0（parent only）
J Trust[8508]
Financial Business in South Korea
- Revenue
- ¥43.5B▼4.3%
- Operating income
- ¥2.44B▲135.5%
Margin 5.6%
Whole company: Revenue ¥124.3B · Net income ¥7.94B
Avg. salary ¥9.9M · 45.0（parent only）
Orient[8585]
Bank loan guarantee
- Revenue
- ¥37.6B▲7.4%
- Operating income
- ¥20.9B▲8.1%
Margin 55.5%
Whole company: Revenue ¥247.6B · Net income ¥12.9B
Avg. salary ¥6.7M · 43.1（parent only）
SBI Aruhi[7198]
- Revenue
- ¥25.1B▲12.5%
- Operating income
- —
Avg. salary ¥5.6M · 42.9（parent only）
Daiichi Koutsu Sangyo[9035]
Real estate finance
- Revenue
- ¥1.52B▲43.3%
- Operating income
- ¥825M▲56.3%
Margin 54.3%
Whole company: Revenue ¥112.5B · Net income ¥2.06B
Avg. salary ¥5.1M · 42.3（parent only）
unbanked[8746]
NonBank
- Revenue
- ¥1.35B▲300.9%
- Operating income
- -¥1.42BTurned to loss
Margin -104.8%
Whole company: Revenue ¥9.39B · Net income -¥3.81B
Avg. salary ¥5.8M · 47.5（parent only）
※ Card revenue and operating income cover only the segment in this industry; “Whole company” shows consolidated revenue and net income.
The weather is derived mechanically from year-over-year totals of revenue and operating income (both up = sunny, both down = rainy).
Who earns the money
Area = revenue from businesses in this industry. Color = operating margin.
Who makes a profit
Across = revenue (log scale), up = operating margin, bubble size = operating income.
Ranking and momentum
| Rank | Company (business) | Revenue | Share | Op. margin | CAGR | FCF* |
|---|---|---|---|---|---|---|
| 1 | AcomLoan and credit card business + 3 more | ¥337.6B | 42.0% | 29.6% | +6.5% | ¥6.26B |
| 2 | AEON Financial ServiceMekong Area + 2 more | ¥240.4B | 29.9% | 17.4% | +14.9% | ¥266.8B |
| 3 | Credit SaisonGlobal | ¥62.4B | 7.8% | -2.3% | — | -¥153.8B |
| 4▲2 | Hikari TsushinFinance | ¥45.5B | 5.7% | 48.5% | — | ¥37.7B |
| 5▼1 | J TrustFinancial Business in South Korea | ¥43.5B | 5.4% | 5.6% | — | — |
| 6▼1 | OrientBank loan guarantee | ¥37.6B | 4.7% | 55.5% | +3.2% | ¥4.95B |
| 7 | SBI Aruhi | ¥25.1B | 3.1% | — | -0.1% | — |
| 8 | Suruga BankOther | ¥9.07B | 1.1% | 12.2% | +4.6% | -¥151.1B |
| 9 | Daiichi Koutsu SangyoReal estate finance | ¥1.52B | 0.2% | 54.4% | — | -¥3.48B |
| 10 | unbankedNonBank | ¥1.35B | 0.2% | -104.8% | — | -¥4.04B |
* FCF is company-wide (not disclosed by segment). CAGR covers the available years, up to five.
How they make money differently
Where each company's ¥100 of sales goes, and how much it keeps (company-wide).
- Cost of sales
- Operating costs
- Ordinary expenses
- SG&A
- Operating profit
- Ordinary profit
- Suruga Bank6832
- Acom7030
- Credit Saison165826
- Hikari Tsushin503416
- AEON Financial Service8911
- J Trust919
- Orient94
- Daiichi Koutsu Sangyo8611
- unbanked8743loss ¥30
Ownership links
From the major-shareholder section of annual securities reports.
- SBIホールディングス株式会社Outside
- SubsidiarySBI Shinsei Bank71.2%
- 株式会社三菱ＵＦＪフィナンシャル・グループOutside
- AffiliateAcom37.6%
- Credit SaisonIn industry
- StakeSuruga Bankcross-held17.2%
- ㈱大和証券グループ本社Outside
- StakeCredit Saison5.5%
- Suruga BankIn industry
- StakeCredit Saisoncross-held5.2%
The company on each card is a major shareholder of the companies listed under it (latest 'major shareholders' disclosure). 50%+ is labelled subsidiary and 20%+ affiliate, based on ownership alone. Stakes under 3% are omitted.
Compare the leaders side by side
All companies in Consumer Finance (by revenue)
All 10 companies in this industry, ranked by revenue in each company's latest fiscal year. For companies that belong through one business segment, the figure is that segment's revenue.
- Acom¥337.6B · 29.6%
- AEON Financial Service¥240.4B · 17.4%
- Credit Saison¥62.4B · -2.3%
- Hikari Tsushin¥45.5B · 48.5%
- J Trust¥43.5B · 5.6%
- Orient¥37.6B · 55.5%
- SBI Aruhi¥25.1B
- Suruga Bank¥9.07B · 12.2%
- Daiichi Koutsu Sangyo¥1.52B · 54.4%
- unbanked¥1.35B · -104.8%
Revenue · Op. margin
Related industries
- Major Banks
- Regional Banks
- Online & Retail-Affiliated Banks
- Securities & Asset Management
- Life Insurance
- Non-life Insurance
- Credit Cards & Consumer Credit
- Cashless Payments
- Leasing
- Crypto & Blockchain
- Investment Funds
- Venture Capital
- Consulting
- HR & Staffing
- Business Process Outsourcing
- M&A Advisory
- PR & IR Services
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