AEOJF (AEON Financial Service Co) LT-Debt-to-Total-Asset: 0.17 (As of Feb. 2026)

What is AEON Financial Service Co LT-Debt-to-Total-Asset?

AEON Financial Service Co AEOJF 69 LT-Debt-to-Total-Asset is 0.17 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. AEON Financial Service Co's long-term debt to total assests ratio for the quarter that ended in Feb. 2026 was 0.17.

AEON Financial Service Co's long-term debt to total assets ratio increased from Feb. 2025 (0.17) to Feb. 2026 (0.17). It may suggest that AEON Financial Service Co is progressively becoming more dependent on debt to grow their business.

AEON Financial Service Co (OTCPK:AEOJF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

AEON Financial Service Co LT-Debt-to-Total-Asset Related Terms

AEON Financial Service Co LT-Debt-to-Total-Asset Historical Data

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The historical data trend for AEON Financial Service Co's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

AEON Financial Service Co Annual Data

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Feb25

LT-Debt-to-Total-Asset

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0.16

0.17

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0.17

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.17	0.16	0.16	0.16	0.17

69GF Score

AEON Financial Service Co Ltd AEOJF

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AEON Financial Service Co LT-Debt-to-Total-Asset Calculation

AEON Financial Service Co's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Feb. 2025 is calculated as

LT Debt to Total Assets (A: Feb. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Feb. 2025 )	/	Total Assets (A: Feb. 2025 )
	=	8451.445	/	51173.782
	=	0.17

AEON Financial Service Co's Long-Term Debt to Total Asset Ratio for the quarter that ended in Feb. 2026 is calculated as

LT Debt to Total Assets (Q: Feb. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Feb. 2026 )	/	Total Assets (Q: Feb. 2026 )
	=	9059.242	/	53603.29
	=	0.17

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.17 mean?

AEON Financial Service Co (AEOJF) has a LT-Debt-to-Total-Asset of 0.17 as of Feb. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on AEON Financial Service Co and its competitors.

Is AEON Financial Service Co's LT-Debt-to-Total-Asset too high?

AEON Financial Service Co's current LT-Debt-to-Total-Asset is 0.17. 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 LT-Debt-to-Total-Asset compare to V and MA?

AEON Financial Service Co's LT-Debt-to-Total-Asset of 0.17 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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on AEON Financial Service Co and its competitors. AEON Financial Service Co's current LT-Debt-to-Total-Asset is 0.17. 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 LT-Debt-to-Total-Asset of 0.17. 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 LT-Debt-to-Total-Asset is 0.17. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For AEON Financial Service Co (AEOJF), the current LT-Debt-to-Total-Asset is 0.17 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:

LT-Debt-to-Total-Asset: 0.17
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

Industry Financial Services Credit Services

Comparable Companies TSE:8425 TSE:7164 TSE:547A TSE:8566 TSE:8511 TSE:8584 TSE:8585 TSE:8252 TSE:7199 TSE:8771 V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges 8570:Japan

Address 1-1 Kanda Nishikicho, Chiyoda-ku, Tokyo, JPN

Website https://www.aeonfinancial.co.jp

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

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$8.57

Price

$9.28

GF Value

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