AEOJF (AEON Financial Service Co) Cyclically Adjusted Book per Share: $9.89 (As of Feb. 2026)


AEOJF AEON Financial Service Co Ltd AEOJF
69 GF Score
Price $8.57
GF Value $9.28
! 2 Warning Signs
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What is AEON Financial Service Co Cyclically Adjusted Book per Share?

AEON Financial Service Co AEOJF 69 Cyclically Adjusted Book per Share is $9.89 as of Feb. 2026. GuruFocus rates AEOJF with a GF Score™ of 69/100 and a GF Value™ of $9.28. The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

AEON Financial Service Co's adjusted book value per share for the three months ended in Feb. 2026 was $14.241. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $9.89 for the trailing ten years ended in Feb. 2026.

During the past 12 months, AEON Financial Service Co's average Cyclically Adjusted Book Growth Rate was 4.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 7.80% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 8.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of AEON Financial Service Co was 8.80% per year. The lowest was 7.60% per year. And the median was 7.75% per year.

As of today (2026-07-05), AEON Financial Service Co's current stock price is $8.57. AEON Financial Service Co's Cyclically Adjusted Book per Share for the quarter that ended in Feb. 2026 was $9.89. AEON Financial Service Co's Cyclically Adjusted PB Ratio of today is 0.87.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of AEON Financial Service Co was 2.33. The lowest was 0.56. And the median was 0.81.


AEON Financial Service Co  (OTCPK:AEOJF) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

AEON Financial Service Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=8.57/9.89
=0.87

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of AEON Financial Service Co was 2.33. The lowest was 0.56. And the median was 0.81.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


AEON Financial Service Co Cyclically Adjusted Book per Share Related Terms


AEON Financial Service Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for AEON Financial Service Co's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

AEON Financial Service Co Cyclically Adjusted Book per Share Chart

AEON Financial Service Co Annual Data
Trend Mar15 Mar16 Mar17 Mar18 Mar19 Feb21 Feb22 Feb23 Feb24 Feb25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.71 16.08 12.65 12.52 12.56

AEON Financial Service Co Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.56 11.74 11.57 11.17 9.89

AEOJF vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, AEON Financial Service Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


AEON Financial Service Co Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, AEON Financial Service Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where AEON Financial Service Co's Cyclically Adjusted PB Ratio falls into.


AEOJF
69GF Score
AEON Financial Service Co Ltd AEOJF
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

AEON Financial Service Co Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, AEON Financial Service Co's adjusted Book Value per Share data for the three months ended in Feb. 2026 was:

Adj_Book= Book Value per Share /CPI of Feb. 2026 (Change)*Current CPI (Feb. 2026)
=14.241/112.2000*112.2000
=14.241

Current CPI (Feb. 2026) = 112.2000.

AEON Financial Service Co Quarterly Data

Book Value per Share CPI Adj_Book
201603 12.980 97.900 14.876
201606 13.892 98.100 15.889
201609 14.825 98.000 16.973
201612 13.233 98.400 15.089
201703 14.217 98.100 16.260
201706 14.402 98.500 16.405
201709 14.866 98.800 16.882
201712 14.792 99.400 16.697
201803 16.176 99.200 18.296
201806 14.866 99.200 16.814
201809 15.007 99.900 16.855
201812 15.142 99.700 17.040
201903 15.876 99.700 17.866
201906 16.178 99.800 18.188
201909 17.114 100.100 19.183
201912 17.118 100.500 19.111
202005 16.288 100.100 18.257
202008 16.782 100.100 18.811
202011 17.434 99.500 19.659
202102 17.653 99.800 19.846
202105 17.510 99.400 19.765
202108 17.775 99.700 20.004
202111 17.097 100.100 19.164
202202 17.051 100.700 18.998
202205 15.302 101.800 16.865
202208 14.905 102.700 16.284
202211 14.044 103.900 15.166
202302 15.140 104.000 16.334
202305 14.821 105.100 15.822
202308 14.247 105.900 15.095
202311 13.743 106.900 14.424
202402 14.193 106.900 14.897
202405 13.600 108.100 14.116
202408 14.740 109.100 15.159
202411 13.923 110.000 14.201
202502 14.093 110.800 14.271
202505 14.246 111.800 14.297
202508 14.253 112.100 14.266
202511 13.987 113.200 13.863
202602 14.241 112.200 14.241

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $9.89 mean?
AEON Financial Service Co (AEOJF) has a Cyclically Adjusted Book per Share of $9.89 as of Feb. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on AEON Financial Service Co and its competitors.
Is AEON Financial Service Co's Cyclically Adjusted Book per Share too high?
AEON Financial Service Co's current Cyclically Adjusted Book per Share is $9.89. Overall, AEON Financial Service Co has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does AEON Financial Service Co's Cyclically Adjusted Book per Share compare to V and MA?
AEON Financial Service Co's Cyclically Adjusted Book per Share of $9.89 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on AEON Financial Service Co and its competitors. AEON Financial Service Co's current Cyclically Adjusted Book per Share is $9.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AEON Financial Service Co stock overvalued right now?
AEON Financial Service Co (AEOJF) has a current Cyclically Adjusted Book per Share of $9.89. The stock's GF Value™ is $9.28, compared to a current price of $8.57 — trading 7.7% below its estimated fair value. The current Cyclically Adjusted Book per Share is $9.89. AEON Financial Service Co's overall GF Score™ is 69/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For AEON Financial Service Co (AEOJF), the current Cyclically Adjusted Book per Share is $9.89 as of Feb. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is AEON Financial Service Co (AEOJF) Overvalued in 2026?

Based on GuruFocus' analysis, AEON Financial Service Co stock appears to be undervalued. The current stock price of $8.57 is trading 7.7% below its estimated GF Value™ of $9.28.

Key valuation signals for AEOJF:

  • Cyclically Adjusted Book per Share: $9.89
  • GF Value™: $9.28 vs. price of $8.57 (7.7% below fair value)
  • GF Score™: 69/100 with 2 warning signs

No single metric tells the full story. See the AEOJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


AEON Financial Service Co Business Description

Other Exchanges 8570:Japan
Address 1-1 Kanda Nishikicho, Chiyoda-ku, Tokyo, JPN
AEON Financial Service Co Ltd is a comprehensive financial group consisting of a bank holding company and its subsidiaries, which grew out of Aeon Group's retail operations. It currently operates a network of hundreds of sales bases throughout Asia, particularly in Japan, China, Thailand, and Malaysia. The bank provides various financial services, payment services, housing loans, deposits, installment sales, and overseas services to customers through points of sale closely linked to community lifestyles. These include shopping centers and retail malls, convenience stores, and specialty stores, among others. Net fee and commission income is the company's main source of net revenue.
69GF Score

Get the complete analysis for AEOJF

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.57
Price
$9.28
GF Value