Industry map/Finance & Business Services
Credit Cards & Consumer Credit industry map
Who earns the money in Credit Cards & Consumer Credit, and who keeps it. When a company spans several industries, only the relevant segment is counted.
FY2025 · 60 companies · ¥3.41T
Industry map
Companies ordered by revenue, connected by ownership (major shareholders). Arrows point from the shareholder to the investee.
- Industry size (revenue)
- ¥3.41T
- Companies
- 60
- Avg. salary（parent only）
- ¥6.8M
- Industry weather
- Sunny
YoY +12.7%
Avg. age 40.8
Operating income +10.4%
Rakuten Group[4755]
FinTech
- Revenue
- ¥975.9B▲19.0%
- Operating income
- —
Whole company: Revenue ¥2.5T · Net income -¥177.9B
Avg. salary ¥8.5M · 36.0（parent only）
AEON Financial Service[8570]
Retail + 4 more
- Revenue
- ¥569.3B▲6.8%
- Operating income
- ¥60.5B▲2.4%
Margin 10.6%
Whole company: Revenue ¥569.4B · Net income ¥21.1B
Avg. salary ¥7.1M · 40.7（parent only）
LY[4689]
Strategy
- Revenue
- ¥442.3B▲30.1%
- Operating income
- ¥68.4B▲105.4%
Margin 15.5%
Whole company: Revenue ¥2.04T · Net income ¥193.7B
Avg. salary ¥9M · 39.0（parent only）
Credit Saison[8253]
Payment + 1 more
- Revenue
- ¥359.4B▲10.8%
- Operating income
- ¥77.9B▲12.9%
Margin 21.7%
Whole company: Revenue ¥472.8B · Net income ¥61.7B
Avg. salary ¥6.7M · 44.4（parent only）
- Suruga Bank owns 5.2%
Orient[8585]
Installment credit + 4 more
- Revenue
- ¥224.7B▲0.7%
- Operating income
- ¥129.2B▲3.9%
Margin 57.5%
Whole company: Revenue ¥247.6B · Net income ¥12.9B
Avg. salary ¥6.7M · 43.1（parent only）
Marui Group[8252]
FinTech
- Revenue
- ¥195.8B▲9.5%
- Operating income
- ¥47B▲6.8%
Margin 24.0%
Whole company: Revenue ¥276.9B · Net income ¥28.5B
Avg. salary ¥6.9M · 39.6（parent only）
Jaccs[8584]
Domestic + 1 more
- Revenue
- ¥192.3B▲0.8%
- Operating income
- ¥20.5B▼19.9%
Margin 10.6%
Whole company: Revenue ¥192.3B · Net income ¥15.3B
Avg. salary ¥6.8M · 40.4（parent only）
Prestige International[4290]
Japan
- Revenue
- ¥65.9B▲11.4%
- Operating income
- ¥9.09B▲6.4%
Margin 13.8%
Whole company: Revenue ¥70.9B · Net income ¥5.92B
Zenkoku Hosho[7164]
- Revenue
- ¥58.7B▲3.1%
- Operating income
- ¥41.4B▼1.4%
Margin 70.5%
Avg. salary ¥8.5M · 38.7（parent only）
Seven Bank[8410]
Credit Card and Electronic Money Buisiness
- Revenue
- ¥30.6B▼5.9%
- Operating income
- -¥592MTurned to loss
Margin -1.9%
Whole company: Revenue ¥220B · Net income ¥13.5B
Avg. salary ¥7.7M · 41.1（parent only）
NS Group[471A]
- Revenue
- ¥29.8B▲13.2%
- Operating income
- ¥9.87B▲12.0%
Margin 33.1%
Avg. salary ¥5.2M · 35.2（parent only）
Zenhoren[5845]
- Revenue
- ¥26.2B▲2.1%
- Operating income
- ¥3.17B▲24.5%
Margin 12.1%
Avg. salary ¥6.6M · 43.1（parent only）
※ Card revenue and operating income cover only the segment in this industry; “Whole company” shows consolidated revenue and net income.
Other companies: Premium Group · Isetan Mitsukoshi Holdings · J-Lease · J Trust · Daito Trust Construction · Casa · Entrust · Suruga Bank · Asax · North Pacific Bank · Okinawa Financial Group · THE Shimizu Bank · Anshin Guarantor Service · Aoyama Trading · Aichi Financial Group · J.front Retailing · THE Tochigi Bank · Yamada Holdings · Mortgage Service Japan · Optimus Group · The Nanto Bank · The San-in Godo Bank · Bank of The Ryukyus · Nippon Insure · THE Oita Bank · The Toho Bank · Raccoon Holdings · The Bank of Nagoya · The Hyakujushi Bank · Procrea Holdings · ART Vivant · THE First Bank of Toyama · San ju San Financial Group · The Ogaki Kyoritsu Bank · Palma · Life · THE Akita Bank · Yamada Servicer Synthetic Office · The Bank of Iwate · Jimoto Holdings …+8
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 | Rakuten GroupFinTech | ¥975.9B | 28.6% | — | +12.0% | ¥218.1B |
| 2 | AEON Financial ServiceRetail + 4 more | ¥569.3B | 16.7% | 10.6% | +4.9% | ¥266.8B |
| 3 | LYStrategy | ¥442.3B | 13.0% | 15.5% | +41.9% | — |
| 4 | Credit SaisonPayment + 1 more | ¥359.4B | 10.5% | 21.7% | +8.6% | -¥153.8B |
| 5 | OrientInstallment credit + 4 more | ¥224.7B | 6.6% | 57.5% | +2.0% | ¥4.95B |
| 6▲1 | Marui GroupFinTech | ¥195.8B | 5.7% | 24.0% | +9.5% | -¥63.5B |
| 7▼1 | JaccsDomestic + 1 more | ¥192.3B | 5.6% | 10.6% | — | ¥12.1B |
| 8 | Prestige InternationalJapan | ¥65.9B | 1.9% | 13.8% | +10.6% | ¥4.11B |
| 9 | Zenkoku Hosho | ¥58.7B | 1.7% | 70.5% | — | ¥32.4B |
| 10 | Seven BankCredit Card and Electronic Money Buisiness | ¥30.6B | 0.9% | -1.9% | — | ¥57.7B |
| 11 | NS Group | ¥29.8B | 0.9% | 33.1% | +11.7% | ¥7.82B |
| 12 | Zenhoren | ¥26.2B | 0.8% | 12.1% | +3.2% | ¥4.55B |
| 13 | Premium GroupFinance | ¥24.8B | 0.7% | 19.1% | +17.2% | -¥22.9B |
| 14 | Isetan Mitsukoshi HoldingsCredit and finance business/Customer organization management business | ¥21B | 0.6% | 30.2% | +4.4% | ¥60B |
| 15▲1 | J-LeaseGuarantee related business | ¥19.3B | 0.6% | 18.3% | +20.7% | -¥74.9M |
| 16▼1 | J TrustFinancial Business in Japan | ¥19B | 0.6% | 41.5% | +18.0% | — |
| 17 | Daito Trust ConstructionFinance | ¥12.8B | 0.4% | 49.9% | +6.3% | ¥9.76B |
| 18 | Casa | ¥12.8B | 0.4% | -0.5% | +5.4% | ¥356.5M |
| 19 | Entrust | ¥12.3B | 0.4% | 22.5% | — | ¥1.54B |
| 20 | Suruga BankOther | ¥9.07B | 0.3% | 12.2% | +4.6% | -¥151.1B |
| 21 | Asax | ¥8.78B | 0.3% | 66.3% | — | -¥6.61B |
| 22▲1 | North Pacific BankOther | ¥6.64B | 0.2% | 24.7% | +7.1% | -¥385.8B |
| 23▲3 | Okinawa Financial GroupOther | ¥6.42B | 0.2% | 35.0% | +7.5% | -¥103.5B |
| 24▼2 | THE Shimizu BankLeasing and credit card | ¥6.38B | 0.2% | 4.4% | +1.5% | -¥11.4B |
| 25▼1 | Anshin Guarantor Service | ¥6.16B | 0.2% | 4.2% | +10.5% | -¥114.7M |
| 26▲1 | Aoyama TradingCredit card business | ¥5.51B | 0.2% | 44.0% | +4.7% | ¥4.54B |
| 27▲5 | Aichi Financial GroupOther | ¥5.51B | 0.2% | 5.2% | +55.3% | ¥178.6B |
| 28▼3 | J.front RetailingPayment and Finance Business | ¥4.28B | 0.1% | 21.5% | -12.4% | ¥48.3B |
| 29▲6 | THE Tochigi BankOther | ¥4.02B | 0.1% | 14.4% | +25.6% | -¥179.1B |
| 30▼2 | Yamada HoldingsFinancial Business | ¥3.93B | 0.1% | 32.0% | +16.2% | ¥5.04B |
| 31▼1 | Mortgage Service JapanHouse financing business | ¥3.91B | 0.1% | 29.1% | +3.5% | -¥1.27B |
| 32▼3 | Optimus GroupService | ¥3.86B | 0.1% | 16.0% | — | — |
| 33 | The Nanto BankOther | ¥3.7B | 0.1% | 47.7% | +3.8% | -¥443.2B |
| 34▲6 | The San-in Godo BankOther | ¥3.66B | 0.1% | 23.5% | +39.4% | ¥127B |
| 35▼4 | Bank of The RyukyusCredit card business + 1 more | ¥3.6B | 0.1% | 30.5% | -1.5% | ¥13.2B |
| 36 | Nippon InsureGuarantee business | ¥3.51B | 0.1% | 29.3% | +13.4% | ¥324M |
| 37 | THE Oita BankOther | ¥3.01B | 0.1% | 32.1% | +2.9% | -¥220.7B |
| 38▼4 | The Toho BankOther + 1 more | ¥2.68B | 0.1% | 73.4% | +8.1% | -¥94B |
| 39▼1 | Raccoon HoldingsFinancial business | ¥2.54B | 0.1% | 28.9% | — | ¥862.3M |
| 40▼1 | The Bank of NagoyaCredit Card | ¥2.27B | 0.1% | 26.1% | +3.0% | ¥136.4B |
| 41 | The Hyakujushi BankOther | ¥2.09B | 0.1% | 72.9% | +1.0% | -¥145B |
| 42▲1 | Procrea HoldingsOther | ¥2.06B | 0.1% | 39.8% | +21.1% | -¥211.3B |
| 43▲2 | ART VivantFinancial services segment | ¥1.74B | 0.1% | 69.6% | +4.5% | ¥3.72B |
| 44▲5 | THE First Bank of ToyamaOther | ¥1.69B | 0.0% | 59.5% | +23.2% | ¥17.3B |
| 45▼1 | San ju San Financial GroupOther | ¥1.68B | 0.0% | 237.3% | -2.1% | -¥55.2B |
| 46▼4 | The Ogaki Kyoritsu BankCredit Guarantees | ¥1.58B | 0.0% | 85.0% | -6.0% | ¥7.33B |
| 47▼1 | PalmaBusiness Solution Service | ¥1.46B | 0.0% | 33.0% | +10.0% | -¥433.9M |
| 48▼1 | LifeOther | ¥1.41B | 0.0% | 31.3% | +10.2% | ¥61.9B |
| 49▼1 | THE Akita BankOther | ¥963M | 0.0% | 19.3% | +5.1% | -¥64.4B |
| 50▲1 | Yamada Servicer Synthetic OfficeServicing Business | ¥728M | 0.0% | 48.6% | -1.4% | — |
Showing the top 50. See all 60 in the list below
* 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
- Other
- Operating profit
- Ordinary profit
- Zenkoku Hosho3070
- Asax3466
- NS Group6733
- Suruga Bank6832
- Credit Saison165826
- Entrust552223
- Okinawa Financial Group7822
- Premium Group8119
- Marui Group136918
- LY266017
- J-Lease325117
- North Pacific Bank8416
- Isetan Mitsukoshi Holdings384715
- Seven Bank8614
- Prestige International78913
- Zenhoren305812
- AEON Financial Service8911
- Jaccs8911
- J Trust919
- THE Shimizu Bank919
- Daito Trust Construction82117
- Orient94
- Anshin Guarantor Service96
- Rakuten Group99
- Casa5248
Showing the 25 largest companies by revenue.
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%
- 株式会社ディア・ライフOutside
- AffiliatePalma39.3%
- 三菱商事株式会社Outside
- AffiliateLife24.4%
- 伊藤忠商事株式会社Outside
- AffiliateSeven Bank20.4%
- The Toho BankIn industry
- StakeTHE Daito Bank19.6%
- Credit SaisonIn industry
- StakeSuruga Bankcross-held17.2%
- リコーリース株式会社Outside
- StakeCasa15.3%
- 技研ホールディングス株式会社Outside
- StakeTHE Bank of Kochi14.9%
- StakeTHE Fukushima Bank5.3%
- 光通信株式会社Outside
- StakeAsax7.5%
- StakeDaito Trust Construction5.7%
- 北海道電力株式会社Outside
- StakeNorth Pacific Bank6.2%
- 日本郵政株式会社Outside
- StakeRakuten Group6.0%
- ㈱大和証券グループ本社Outside
- StakeCredit Saison5.5%
- Suruga BankIn industry
- StakeCredit Saisoncross-held5.2%
- ソフトバンク株式会社Outside
- StakeYamada Holdings3.6%
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 Credit Cards & Consumer Credit (by revenue)
All 60 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.
- Rakuten Group¥975.9B
- AEON Financial Service¥569.3B · 10.6%
- LY¥442.3B · 15.5%
- Credit Saison¥359.4B · 21.7%
- Orient¥224.7B · 57.5%
- Marui Group¥195.8B · 24.0%
- Jaccs¥192.3B · 10.6%
- Prestige International¥65.9B · 13.8%
- Zenkoku Hosho¥58.7B · 70.5%
- Seven Bank¥30.6B · -1.9%
- NS Group¥29.8B · 33.1%
- Zenhoren¥26.2B · 12.1%
- Premium Group¥24.8B · 19.1%
- Isetan Mitsukoshi Holdings¥21B · 30.2%
- J-Lease¥19.3B · 18.3%
- J Trust¥19B · 41.5%
- Daito Trust Construction¥12.8B · 49.9%
- Casa¥12.8B · -0.5%
- Entrust¥12.3B · 22.5%
- Suruga Bank¥9.07B · 12.2%
- Asax¥8.78B · 66.3%
- North Pacific Bank¥6.64B · 24.7%
- Okinawa Financial Group¥6.42B · 35.0%
- THE Shimizu Bank¥6.38B · 4.4%
- Anshin Guarantor Service¥6.16B · 4.2%
- Aoyama Trading¥5.51B · 44.0%
- Aichi Financial Group¥5.51B · 5.2%
- J.front Retailing¥4.28B · 21.5%
- THE Tochigi Bank¥4.02B · 14.4%
- Yamada Holdings¥3.93B · 32.0%
- Mortgage Service Japan¥3.91B · 29.1%
- Optimus Group¥3.86B · 16.0%
- The Nanto Bank¥3.7B · 47.7%
- The San-in Godo Bank¥3.66B · 23.5%
- Bank of The Ryukyus¥3.6B · 30.5%
- Nippon Insure¥3.51B · 29.3%
- THE Oita Bank¥3.01B · 32.1%
- The Toho Bank¥2.68B · 73.4%
- Raccoon Holdings¥2.67B · 31.1%
- The Bank of Nagoya¥2.27B · 26.1%
- The Hyakujushi Bank¥2.09B · 72.9%
- Procrea Holdings¥2.06B · 39.8%
- ART Vivant¥1.74B · 69.6%
- THE First Bank of Toyama¥1.69B · 59.5%
- San ju San Financial Group¥1.68B · 237.3%
- The Ogaki Kyoritsu Bank¥1.58B · 85.0%
- Palma¥1.46B · 33.0%
- Life¥1.41B · 31.3%
- THE Akita Bank¥963M · 19.3%
- Yamada Servicer Synthetic Office¥728M · 48.6%
- The Bank of Iwate¥710M · -5.2%
- Jimoto Holdings¥695M · 7.8%
- &Do Holdings¥630M · 41.6%
- THE Tohoku Bank¥462M · 9.3%
- THE Bank of Kochi¥386M · 3.4%
- THE Daito Bank¥284M · 8.5%
- Tomato Bank¥263M · 3.8%
- The Yamagata Bank¥212M · 296.7%
- The Kita-Nippon Bank¥150M · 120.7%
- THE Fukushima Bank¥116M · 0.0%
Revenue · Op. margin
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