AEON Financial Service Co (TSE:8570) Cyclically Adjusted Book per Share: 円2,538.28 (As of Feb. 2026)

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TSE:8570 AEON Financial Service Co Ltd TSE:8570
73 GF Score
Price 円1,626.00
GF Value 円1,734.32
Valuation Fairly Valued
! 6 Warning Signs
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What is AEON Financial Service Co Cyclically Adjusted Book per Share?

AEON Financial Service Co TSE:8570 -1.12% 73 Cyclically Adjusted Book per Share is 円2,538.28 as of Feb. 2026. GuruFocus rates TSE:8570 with a GF Score™ of 73/100 and a GF Value™ of 円1,734.32 (Fairly Valued). The stock has 6 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 円2,896.039. 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 円2,538.28 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 6.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 7.10% 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 6.10% per year. And the median was 7.70% per year.

As of today (2026-09-19), AEON Financial Service Co's current stock price is 円1626.00. AEON Financial Service Co's Cyclically Adjusted Book per Share for the quarter that ended in Feb. 2026 was 円2,538.28. AEON Financial Service Co's Cyclically Adjusted PB Ratio of today is 0.64.

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 0.80.


AEON Financial Service Co  (TSE:8570) 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
=1626.00/2538.275
=0.64

* 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 0.80.


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 Mar17 Mar18 Mar19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,927.34 2,088.55 2,246.55 2,414.76 2,538.28

AEON Financial Service Co Quarterly Data
Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
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 2,436.55 2,443.09 2,467.06 2,538.28 2,567.68

TSE:8570 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.


TSE:8570
73GF Score
AEON Financial Service Co Ltd TSE:8570
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)
=2896.039/112.2000*112.2000
=2,896.039

Current CPI (Feb. 2026) = 112.2000.

AEON Financial Service Co Quarterly Data

Book Value per Share CPI Adj_Book
201506 1,650.009 98.400 1,881.413
201509 1,656.707 98.500 1,887.132
201512 1,675.088 98.100 1,915.850
201603 1,715.403 97.900 1,965.967
201606 1,715.665 98.100 1,962.259
201609 1,731.204 98.000 1,982.052
201612 1,770.729 98.400 2,019.063
201703 1,859.688 98.100 2,126.983
201706 1,862.053 98.500 2,121.039
201709 1,915.051 98.800 2,174.785
201712 1,974.364 99.400 2,228.608
201803 2,028.990 99.200 2,294.886
201806 1,911.116 99.200 2,161.565
201809 1,964.333 99.900 2,206.188
201812 1,974.052 99.700 2,221.551
201903 2,079.474 99.700 2,340.190
202005 2,042.005 100.100 2,288.841
202008 2,085.780 100.100 2,337.907
202011 2,133.020 99.500 2,405.275
202102 2,199.257 99.800 2,472.511
202105 2,273.275 99.400 2,566.011
202108 2,310.460 99.700 2,600.137
202111 2,315.932 100.100 2,595.880
202202 2,358.512 100.700 2,627.855
202205 2,415.132 101.800 2,661.865
202208 2,492.299 102.700 2,722.843
202211 2,481.631 103.900 2,679.875
202302 2,506.897 104.000 2,704.556
202305 2,544.738 105.100 2,716.647
202308 2,601.208 105.900 2,755.954
202311 2,598.059 106.900 2,726.868
202402 2,660.468 106.900 2,792.371
202405 2,688.829 108.100 2,790.810
202408 2,703.387 109.100 2,780.202
202411 2,698.418 110.000 2,752.386
202502 2,713.380 110.800 2,747.665
202505 2,648.144 111.800 2,657.619
202508 2,700.969 112.100 2,703.378
202511 2,815.846 113.200 2,790.971
202602 2,896.039 112.200 2,896.039

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 円2,538.28 mean?
AEON Financial Service Co (TSE:8570) has a Cyclically Adjusted Book per Share of 円2,538.28 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 円2,538.28. Overall, AEON Financial Service Co has a GF Score™ of 73/100 and is considered Fairly Valued, 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 円2,538.28 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 円2,538.28. 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?
Based on GuruFocus' analysis, AEON Financial Service Co (TSE:8570) is currently considered Fairly Valued. The stock's GF Value™ is 円1,734.32, compared to a current price of 円1,626.00 — trading 6.2% below its estimated fair value. The current Cyclically Adjusted Book per Share is 円2,538.28. AEON Financial Service Co's overall GF Score™ is 73/100 with 6 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 (TSE:8570), the current Cyclically Adjusted Book per Share is 円2,538.28 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 (TSE:8570) Overvalued in 2026?

Based on GuruFocus' analysis, AEON Financial Service Co stock appears to be undervalued. The current stock price of 円1,626.00 is trading 6.2% below its estimated GF Value™ of 円1,734.32. GuruFocus considers AEON Financial Service Co to be Fairly Valued.

Key valuation signals for TSE:8570:

  • Cyclically Adjusted Book per Share: 円2,538.28
  • GF Value™: 円1,734.32 vs. price of 円1,626.00 (6.2% below fair value)
  • GF Score™: 73/100 with 6 warning signs

No single metric tells the full story. See the TSE:8570 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


AEON Financial Service Co Business Description

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.
73GF Score

Get the complete analysis for TSE:8570

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

円1,626.00
Price
円1,734.32
GF Value