AEON Financial Service CoAEOJF 72 ROE % is 5.63% as of Feb. 2026, which is 37% below its 10-year median of 8.91. GuruFocus rates AEOJF with a GF Score™ of 72/100 and a GF Value™ of $9.36. The stock has 2 warning signs investors should review. Among 529 Credit Services companies, AEON Financial Service Co ranks worse than 56.9% on this metric.
The historical rank and industry rank for AEON Financial Service Co's ROE % or its related term are showing as below:
AEOJF'
s ROE % Range Over the Past 10 Years
Min: 3.4 Med: 8.91 Max: 12.67
Current: 4.57
During the past 13 years, AEON Financial Service Co's highest ROE % was 12.67%. The lowest was 3.40%. And the median was 8.91%.
AEOJF's ROE % is ranked worse than 56.9% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs AEOJF: 4.57
AEON Financial Service Co (OTCPK:AEOJF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Feb. 2026) net income data. The Revenue data used here is four times the quarterly (Feb. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Financial Service Co's ROE % distribution charts can be found below:
* The bar in red indicates where AEON Financial Service Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Feb. 2026) net income data.
ROE % is displayed in the 30-year financial page.
AEON Financial Service Co (AEOJF) has a ROE % of 5.63% as of Feb. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AEON Financial Service Co and its competitors. This is 37% below median its historical median of 8.91. Over the past decade, AEON Financial Service Co's ROE % has ranged from 3.40 to 12.67. According to the industry distribution chart, AEON Financial Service Co ranks #301 out of 529 companies in the Credit Services industry, placing it in the top 56.9%.
Is AEON Financial Service Co's ROE % too high?
AEON Financial Service Co's current ROE % of 5.63% is 37% below median its 10-year median of 8.91. Over the past 10 years, this metric has ranged from a low of 3.40 to a high of 12.67. The Credit Services industry median ROE % is 6.61. AEON Financial Service Co's value of 5.63% is 14.8% below this industry median. Based on the distribution chart, AEON Financial Service Co ranks #301 out of 529 companies in the Credit Services industry, which is below the industry midpoint. Overall, AEON Financial Service Co has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does AEON Financial Service Co's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Financial Service Co ranks #301 out of 529 companies for ROE %. This places AEON Financial Service Co in the lower half of its industry. The industry median ROE % is 6.61. AEON Financial Service Co's value of 5.63% is 14.8% below this benchmark. Historically, AEON Financial Service Co's own ROE % has ranged from 3.40 to 12.67 over the past decade. While the company's 10-year median is 8.91 vs. the industry median of 6.61, AEON Financial Service 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Financial Service Co's current ROE % of 5.63% is 14.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AEON Financial Service Co and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Financial Service Co's current ROE % is 5.63%, which is 37% below median its own 10-year median of 8.91. 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 ROE % of 5.63%. The stock's GF Value™ is $9.36, compared to a current price of $8.57 — trading 8.4% below its estimated fair value. The current ROE % is 5.63%, which is 37% below median its 10-year median of 8.91 and 14.8% below the Credit Services industry median of 6.61. AEON Financial Service Co's overall GF Score™ is 72/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For AEON Financial Service Co (AEOJF), the current ROE % is 5.63% 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 8.4% below its estimated GF Value™ of $9.36.
Key valuation signals for AEOJF:
ROE %: 5.63% (37% below median its 10-year median of 8.91)
GF Value™: $9.36 vs. price of $8.57 (8.4% below fair value)
Industry Position: 14.8% below the Credit Services median (#301 of 529)
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 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.
72GF Score
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