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Jaccs CoTSE:8584 -0.53%55 Return-on-Tangible-Equity is 1.07% as of Mar. 2026, which is 87% below its 10-year median of 8.49. GuruFocus rates TSE:8584 with a GF Score™ of 55/100 and a GF Value™ of 円3,771.99 (Fairly Valued). The stock has 5 warning signs investors should review. Among 527 Credit Services companies, Jaccs Co ranks worse than 53.13% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Jaccs Co's annualized net income for the quarter that ended in Mar. 2026 was 円2,884 Mil. Jaccs Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was 円269,490 Mil. Therefore, Jaccs Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 1.07%.
The historical rank and industry rank for Jaccs Co's Return-on-Tangible-Equity or its related term are showing as below:
TSE:8584'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.11 Med: 8.49 Max: 12.82
Current: 6.11
During the past 13 years, Jaccs Co's highest Return-on-Tangible-Equity was 12.82%. The lowest was 6.11%. And the median was 8.49%.
TSE:8584's Return-on-Tangible-Equity is ranked worse than 53.13% of 527
companies
in the Credit Services industry
Industry Median: 7.05
vs TSE:8584: 6.11
Jaccs Co (TSE:8584) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Jaccs Co Return-on-Tangible-Equity Related Terms
Jaccs Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Jaccs Co's Return-on-Tangible-Equity 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.
TSE:8584 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Jaccs Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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.
Jaccs Co Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jaccs Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Jaccs Co's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.07% mean?
Jaccs Co (TSE:8584) has a Return-on-Tangible-Equity of 1.07% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jaccs Co and its competitors. This is 87% below median its historical median of 8.49. Over the past decade, Jaccs Co's Return-on-Tangible-Equity has ranged from 6.11 to 12.82. According to the industry distribution chart, Jaccs Co ranks #280 out of 527 companies in the Credit Services industry, placing it in the top 53.1%.
Is Jaccs Co's Return-on-Tangible-Equity too high?
Jaccs Co's current Return-on-Tangible-Equity of 1.07% is 87% below median its 10-year median of 8.49. Over the past 10 years, this metric has ranged from a low of 6.11 to a high of 12.82. The Credit Services industry median Return-on-Tangible-Equity is 7.05. Jaccs Co's value of 1.07% is 84.8% below this industry median. Based on the distribution chart, Jaccs Co ranks #280 out of 527 companies in the Credit Services industry, which is below the industry midpoint. Overall, Jaccs Co has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jaccs Co's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Jaccs Co ranks #280 out of 527 companies for Return-on-Tangible-Equity. This places Jaccs Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.05. Jaccs Co's value of 1.07% is 84.8% below this benchmark. Historically, Jaccs Co's own Return-on-Tangible-Equity has ranged from 6.11 to 12.82 over the past decade. While the company's 10-year median is 8.49 vs. the industry median of 7.05, Jaccs Co has consistently been below 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.05, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jaccs Co's current Return-on-Tangible-Equity of 1.07% is 84.8% below 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jaccs Co and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jaccs Co's current Return-on-Tangible-Equity is 1.07%, which is 87% below median its own 10-year median of 8.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jaccs Co stock overvalued right now?
Based on GuruFocus' analysis, Jaccs Co (TSE:8584) is currently considered Fairly Valued. The stock's GF Value™ is 円3,771.99, compared to a current price of 円3,745.00 — trading 0.7% below its estimated fair value. The current Return-on-Tangible-Equity is 1.07%, which is 87% below median its 10-year median of 8.49 and 84.8% below the Credit Services industry median of 7.05. Jaccs Co's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Jaccs Co (TSE:8584), the current Return-on-Tangible-Equity is 1.07% as of Mar. 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 Jaccs Co (TSE:8584) Overvalued in 2026?
Based on GuruFocus' analysis, Jaccs Co stock appears to be undervalued.
The current stock price of 円3,745.00 is trading 0.7% below its estimated GF Value™ of 円3,771.99.
GuruFocus considers Jaccs Co to be Fairly Valued.
Key valuation signals for TSE:8584:
Return-on-Tangible-Equity: 1.07% (87% below median its 10-year median of 8.49)
GF Value™: 円3,771.99 vs. price of 円3,745.00 (0.7% below fair value)
Industry Position: 84.8% below the Credit Services median (#280 of 527)
No single metric tells the full story. See the TSE:8584 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jaccs Co Ltd is a consumer finance company that operates in Japan and other parts of Asia. The company's main businesses are the credit business, the credit card business, and the financing business. The credit business offers loans for purchases and expenses such as vehicles, medical care, bridal, home renovation, jewelry, watches, and kimono. The credit card business issues credit cards under the Visa, MasterCard, and JCB brands and has nearly 7 million cardholders. The financing business offers bill collection services as well as credit guarantees for personal and housing loans extended by financial institutions.
55GF Score
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