AEOJF (AEON Financial Service Co) Scaled Net Operating Assets: 0.16 (As of Feb. 2026)


AEOJF AEON Financial Service Co Ltd AEOJF
72 GF Score
Price $8.57
GF Value $9.49
! 2 Warning Signs
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What is AEON Financial Service Co Scaled Net Operating Assets?

AEON Financial Service Co AEOJF 72 Scaled Net Operating Assets is 0.16 as of Feb. 2026. GuruFocus rates AEOJF with a GF Score™ of 72/100 and a GF Value™ of $9.49. The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AEON Financial Service Co's operating assets for the quarter that ended in Feb. 2026 was $49,240 Mil. AEON Financial Service Co's operating liabilities for the quarter that ended in Feb. 2026 was $40,513 Mil. AEON Financial Service Co's Total Assets for the quarter that ended in Nov. 2025 was $53,745 Mil. Therefore, AEON Financial Service Co's scaled net operating assets (SNOA) for the quarter that ended in Feb. 2026 was 0.16.

AEOJF
72GF Score
AEON Financial Service Co Ltd AEOJF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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AEON Financial Service Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AEON Financial Service Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Feb. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Feb. 2025 )
=(Operating Assets (A: Feb. 2025 )-Operating Liabilities (A: Feb. 2025 ))/Total Assets (A: Feb. 2024 )
=(45798.197-38857.728)/46422.959
=0.15

where

Operating Assets(A: Feb. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=51173.782 - 5375.585
=45798.197

Operating Liabilities(A: Feb. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=47309.173 - 8451.445 - 0
=38857.728

AEON Financial Service Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Feb. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Feb. 2026 )
=(Operating Assets (Q: Feb. 2026 )-Operating Liabilities (Q: Feb. 2026 ))/Total Assets (Q: Nov. 2025 )
=(49239.608-40513.096)/53745.133
=0.16

where

Operating Assets(Q: Feb. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=53603.29 - 4363.682
=49239.608

Operating Liabilities(Q: Feb. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=49572.338 - 9059.242 - 0
=40513.096

* 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.

What does a Scaled Net Operating Assets of 0.16 mean?
AEON Financial Service Co (AEOJF) has a Scaled Net Operating Assets of 0.16 as of Feb. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on AEON Financial Service Co and its competitors.
Is AEON Financial Service Co's Scaled Net Operating Assets too high?
AEON Financial Service Co's current Scaled Net Operating Assets is 0.16. 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 Scaled Net Operating Assets compare to V and MA?
AEON Financial Service Co's Scaled Net Operating Assets of 0.16 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on AEON Financial Service Co and its competitors. AEON Financial Service Co's current Scaled Net Operating Assets is 0.16. 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 Scaled Net Operating Assets of 0.16. The stock's GF Value™ is $9.49, compared to a current price of $8.57 — trading 9.7% below its estimated fair value. The current Scaled Net Operating Assets is 0.16. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For AEON Financial Service Co (AEOJF), the current Scaled Net Operating Assets is 0.16 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 9.7% below its estimated GF Value™ of $9.49.

Key valuation signals for AEOJF:

  • Scaled Net Operating Assets: 0.16
  • GF Value™: $9.49 vs. price of $8.57 (9.7% below fair value)
  • GF Score™: 72/100 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

Other Exchanges 8570:Japan
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.
72GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.57
Price
$9.49
GF Value