Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for AEON Financial Service Co's Debt-to-Equity or its related term are showing as below:
TSE:8570'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.07 Med: 2.68 Max: 3.01
Current: 3
During the past 13 years, the highest Debt-to-Equity Ratio of AEON Financial Service Co was 3.01. The lowest was 2.07. And the median was 2.68.
TSE:8570's Debt-to-Equity is ranked worse than 71.93% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs TSE:8570: 3.00
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
AEON Financial Service Co Debt-to-Equity Related Terms
AEON Financial Service Co Debt-to-Equity Historical Data
* 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.
For the Credit Services subindustry, AEON Financial Service Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Financial Service Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where AEON Financial Service Co's Debt-to-Equity falls into.
* 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 (TSE:8570) has a Debt-to-Equity of 2.95 as of Feb. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AEON Financial Service Co and its competitors. This is 10% above median its historical median of 2.68. Over the past decade, AEON Financial Service Co's Debt-to-Equity has ranged from 2.07 to 3.01. According to the industry distribution chart, AEON Financial Service Co ranks #328 out of 456 companies in the Credit Services industry, placing it in the top 71.9%.
Is AEON Financial Service Co's Debt-to-Equity too high?
AEON Financial Service Co's current Debt-to-Equity of 2.95 is 10% above median its 10-year median of 2.68. Over the past 10 years, this metric has ranged from a low of 2.07 to a high of 3.01. The Credit Services industry median Debt-to-Equity is 1.24. AEON Financial Service Co's value of 2.95 is 138.9% above this industry median. Based on the distribution chart, AEON Financial Service Co ranks #328 out of 456 companies in the Credit Services industry, which is below the industry midpoint. Overall, AEON Financial Service Co has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AEON Financial Service Co's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, AEON Financial Service Co ranks #328 out of 456 companies for Debt-to-Equity. This places AEON Financial Service Co in the lower half of its industry. The industry median Debt-to-Equity is 1.24. AEON Financial Service Co's value of 2.95 is 138.9% above this benchmark. Historically, AEON Financial Service Co's own Debt-to-Equity has ranged from 2.07 to 3.01 over the past decade. While the company's 10-year median is 2.68 vs. the industry median of 1.24, AEON Financial Service Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Financial Service Co's current Debt-to-Equity of 2.95 is 138.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AEON Financial Service Co and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Financial Service Co's current Debt-to-Equity is 2.95, which is 10% above median its own 10-year median of 2.68. 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1,692.65, compared to a current price of 円1,695.00 — trading 0.1% above its estimated fair value. The current Debt-to-Equity is 2.95, which is 10% above median its 10-year median of 2.68 and 138.9% above the Credit Services industry median of 1.24. AEON Financial Service Co's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For AEON Financial Service Co (TSE:8570), the current Debt-to-Equity is 2.95 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 overvalued.
The current stock price of 円1,695.00 is trading 0.1% above its estimated GF Value™ of 円1,692.65.
GuruFocus considers AEON Financial Service Co to be Fairly Valued.
Key valuation signals for TSE:8570:
Debt-to-Equity: 2.95 (10% above median its 10-year median of 2.68)
GF Value™: 円1,692.65 vs. price of 円1,695.00 (0.1% above fair value)
Industry Position: 138.9% above the Credit Services median (#328 of 456)
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 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.
65GF Score
Get the complete analysis for TSE:8570
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TSE:8570 has been successfully added to your 
