Prices as of 2026/10/30 close
Company comparison · Consumer Finance & Credit
AEON Financial is the largest by revenue at ¥569.4B, followed by Credit Saison (¥546.3B) and Acom (¥337.7B).
Acom has the highest operating margin at 29.7%, 19.1 points above the lowest, AEON Financial (10.7%).
Revenue growth in the latest results: Credit Saison +11.0%, AEON Financial +6.8%, Acom +6.3%. For next year, Credit Saison guides for the fastest operating profit growth (+7.8%).
AEON Financial pays the most on average (¥7.12M), ¥1.09M more than Credit Saison (¥6.03M).
Over the past year the shares moved Credit Saison +12.3%, Acom +2.6%, AEON Financial −3.2%, Muninova −13.0%.
Head-to-head wins16 metrics
One win per metric for the company with the best value. Metrics with no better or worse (P/E, average age, employees) are excluded.
ScaleInvestors
EvenAEON Financial 1 : Credit Saison 1 : Acom 1 : Muninova 0
Revenue: AEON Financial ¥569.4B / Credit Saison ¥546.3B / Acom ¥337.7B
ProfitabilityInvestors
Acom aheadAEON Financial 1 : Credit Saison 0 : Acom 2 : Muninova 0
Operating margin: AEON Financial 10.7% / Credit Saison 18.7% / Acom 29.7%
GrowthInvestors
Credit Saison aheadAEON Financial 0 : Credit Saison 3 : Acom 2 : Muninova 0
Revenue growth (YoY): AEON Financial +6.8% / Credit Saison +11.0% / Acom +6.3%
Stock & balance sheetInvestors
EvenAEON Financial 1 : Credit Saison 1 : Acom 0 : Muninova 0
Share price, 1 year: AEON Financial −3.2% / Credit Saison +12.3% / Acom +2.6% / Muninova −13.0%
Pay & workforceJob seekers
AEON Financial aheadAEON Financial 2 : Credit Saison 0 : Acom 1 : Muninova 0
Average salary: AEON Financial ¥7.12M / Credit Saison ¥6.03M / Acom ¥6.90M
| Metric | AEON Financial | Credit Saison | Acom | Muninova |
|---|---|---|---|---|
| Revenue | ◎¥569.4B | ¥546.3B | ¥337.7B | — |
| Operating profit | ¥60.7B | ◎¥102.0B | ¥100.4B | — |
| Net income | ¥21.1B | ¥62.8B | ◎¥79.6B | — |
| Metric | AEON Financial | Credit Saison | Acom | Muninova |
|---|---|---|---|---|
| Operating margin | 10.7% | 18.7% | ◎29.7% | — |
| Net margin | 3.7% | 11.5% | ◎23.6% | — |
| ROE | 4.5% | — | — | — |
| Revenue per employee | ◎¥306M | ¥151M | ¥162M | — |
| Metric | AEON Financial | Credit Saison | Acom | Muninova |
|---|---|---|---|---|
| Revenue growth (YoY) | +6.8% | ◎+11.0% | +6.3% | — |
| Operating profit growth (YoY) | −1.4% | +8.9% | ◎+71.4% | — |
| Revenue CAGR | — | ◎+14.1% | +4.9% | — |
| Guidance: revenue growthnext FY plan | +5.4% | −7.1% | ◎+5.4% | — |
| Guidance: op. profit growthnext FY plan | −25.8% | ◎+7.8% | −2.4% | — |
| Metric | AEON Financial | Credit Saison | Acom | Muninova |
|---|---|---|---|---|
| Share price, 1 year | −3.2% | ◎+12.3% | +2.6% | −13.0% |
| Share price, 3 months | ◎−7.4% | −9.6% | −9.5% | −11.9% |
| P/E (trailing)lower = cheaper | 14.8x | — | — | — |
| Equity ratio | 7.5% | — | — | — |
| Share price (close) | ¥1,448 | ¥4,139 | ¥443.2 | ¥394 |
◎ marks the best value for each metric. Revenue and profit are from the latest full-year earnings release; share prices are closing-price references; P/E = latest close ÷ trailing EPS. For banks and some other financials, revenue means ordinary income.
| Metric | AEON Financial | Credit Saison | Acom | Muninova |
|---|---|---|---|---|
| Average salary | ◎¥7.12M | ¥6.03M | ¥6.90M | — |
| Starting salary (monthly) | ◎¥274,000 | ¥246,000 | ¥270,000 | — |
| Average tenure | 11.6 yrs | 14.9 yrs | ◎15.2 yrs | — |
| Average age | 40.7 | 44.1 | 41.2 | — |
| Employees | 1,859 | 3,624 | 2,088 | — |
Average salary is for the reporting (parent) company and is affected by average age and job mix. Holding companies with few employees are left out of the salary comparison.
Close (Oct 30, 2026)
¥1,448-3.2% (1Y)
AEON Financial -3.2% over 1Y. Compared: Credit Saison +12.3%, Acom +2.6%, Muninova -13.0%.
Reference chart of daily closing prices, not real-time quotes (split-adjusted; weekly closes before the last year). Each line shows the % change from the start of the period. Updated Oct 30, 2026.
AEON Financial5 segments
Credit Saison4 segments
Acom4 segments
AAverage annual salary from the securities filings: AEON Financial ¥7.12M, Acom ¥6.90M, Credit Saison ¥6.03M. AEON Financial pays the most. Averages also depend on staff age and job mix, so check the average age too (AEON Financial 40.7, Credit Saison 44.1, Acom 41.2).
ARevenue in the latest results: AEON Financial ¥569.4B, Credit Saison ¥546.3B, Acom ¥337.7B. AEON Financial is the largest by revenue at ¥569.4B, followed by Credit Saison (¥546.3B) and Acom (¥337.7B).
AOperating margins: Acom 29.7%, Credit Saison 18.7%, AEON Financial 10.7%. Acom turns the highest share of sales into operating profit.
AShare price change over the past year (closing prices, for reference): Credit Saison +12.3%, Acom +2.6%, AEON Financial −3.2%, Muninova −13.0%. Credit Saison has risen the most.
Comparing 4 companies (up to 4)
Sources: earnings releases (kessan tanshin), annual securities reports and other public information. Share prices are closing-price references, not real-time. Our data may contain errors; investment decisions are your own responsibility.
