J-Lease Co Ltd
J-Lease Co Ltd provides consumer lending and leasing services in Japan, generating revenue primarily through interest income and fees from its loan and lease portfolios.
Business. J-Lease Co Ltd (7187.T) is a Japanese financial services company primarily engaged in consumer lending activities. The firm operates within the Banking & Investment Services sector, generating revenue through fee-income models associated with its banking operations. Headquartered in Japan, the company is listed on the Tokyo Stock Exchange. Specific details regarding operating segments or geographic revenue breakdowns are not available.
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1 analysts · consensus BuyAt a glance
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
J-Lease Co Ltd (7187.T) is a Japanese financial services company primarily engaged in consumer lending activities. The firm operates within the Banking & Investment Services sector, generating revenue through fee-income models associated with its banking operations. Headquartered in Japan, the company is listed on the Tokyo Stock Exchange. Specific details regarding operating segments or geographic revenue breakdowns are not available.
J-Lease maintains a conservative capital structure with a debt-to-equity ratio of 0.27, significantly below the industry median of 0.55, indicating a strong equity base relative to its liabilities. The company's liquidity position is robust, with a current ratio of 1.37 and cash and equivalents amounting to ¥1.44 billion, which supports operational flexibility and short-term obligations.
Profitability metrics show J-Lease underperforming relative to industry benchmarks. Return on equity (ROE) of 12.65% is below the industry median of 15.2%, and return on assets (ROA) of 5.05% is also below the median of 6.1%. This suggests that the company is not leveraging its assets and equity as effectively as its peers.
Geographically, J-Lease's revenue is concentrated in Japan, with no disclosed international operations. The company's business is entirely dependent on domestic economic conditions and regulatory environments, which increases exposure to local macroeconomic risks.
Looking ahead, J-Lease is projected to grow revenue by 3.2% in the current fiscal year and 2.8% in the next, based on analyst estimates and historical performance. While growth is modest, it aligns with the broader industry trend of stabilizing consumer lending demand in Japan.
Risk factors for J-Lease include potential credit risk from its loan portfolio and interest rate sensitivity. However, the company's liquidity and dilution risks are currently rated as low, with no immediate filing-based flags detected. The absence of dilution pressure is supported by unchanged shares outstanding and no recent equity issuance.
Recent filings and transcripts indicate no material changes in the company's strategic direction or financial health. Analysts maintain a positive outlook, with a mean recommendation of 1.00 (strong buy) and an EPS estimate of ¥127.70 for the next reporting period.
- J-Lease has a conservative capital structure with a low debt-to-equity ratio of 0.27.
- The company's ROE and ROA are below industry medians, indicating suboptimal asset and equity utilization.
- Revenue is entirely concentrated in Japan, increasing exposure to local economic and regulatory risks.
- Analysts project modest revenue growth of 3.2% for the current fiscal year.
- Liquidity and dilution risks are currently low, with no immediate filing-based flags.
Bull / Bear case
Generated · model-assistedRevenue surged 30.6% year-over-year to JPY 17.3 billion, demonstrating robust top-line growth momentum.
Total assets grew 35.0% year-over-year, reflecting strong balance sheet expansion and operational scale.
Debt-to-equity ratio of 0.27 is well below the cohort median of 1.18, signaling low leverage risk.
Free cash flow declined 9.0% year-over-year to JPY 1.04 billion, weakening liquidity generation.
Long-term debt increased to JPY 2.35 billion in FY2025, reversing the previous downward trend.
Net income growth of 16.7% lagged behind the 30.6% revenue growth rate, indicating margin compression.
In focus — financials by report
Revenue ¥5.63B, +33,8% YoY; Operating income +4,9% YoY.
- ▍Revenue ¥5.63B, +33,8% YoY
- ▍Operating income +4,9% YoY
- ▍Net income +3,4% YoY
- ▍Net margin 10.5%
Revenue ¥5.03B, +29,0% YoY; Operating income +15,6% YoY.
- ▍Revenue ¥5.03B, +29,0% YoY
- ▍Operating income +15,6% YoY
- ▍Net income +13,4% YoY
- ▍Net margin 10.1%
Revenue ¥4.71B, +23,4% YoY; Operating income +36,7% YoY.
- ▍Revenue ¥4.71B, +23,4% YoY
- ▍Operating income +36,7% YoY
- ▍Net income +41,2% YoY
- ▍Net margin 14.1%
Revenue ¥5.35B, +40,3% YoY; Operating income +3,2% YoY.
- ▍Revenue ¥5.35B, +40,3% YoY
- ▍Operating income +3,2% YoY
- ▍Net income +1,6% YoY
- ▍Net margin 11.1%
Revenue ¥4.21B; Operating income ¥821.4M.
- ▍Revenue ¥4.21B
- ▍Operating income ¥821.4M
- ▍Net margin 13.6%
Revenue ¥3.89B; Operating income ¥691.4M.
- ▍Revenue ¥3.89B
- ▍Operating income ¥691.4M
- ▍Net margin 11.5%
Revenue ¥3.82B; Operating income ¥711.6M.
- ▍Revenue ¥3.82B
- ▍Operating income ¥711.6M
- ▍Net margin 12.3%
Revenue ¥3.81B; Operating income ¥815.0M.
- ▍Revenue ¥3.81B
- ▍Operating income ¥815.0M
- ▍Net margin 15.4%
Revenue ¥17.27B, +30,6% YoY; Operating income +19,6% YoY.
- ▍Revenue ¥17.27B, +30,6% YoY
- ▍Operating income +19,6% YoY
- ▍Net income +16,7% YoY
- ▍Free cash flow −9,0% YoY
- ▍Net margin 12.1%
Revenue ¥13.22B, +20,6% YoY; Operating income +4,1% YoY.
- ▍Revenue ¥13.22B, +20,6% YoY
- ▍Operating income +4,1% YoY
- ▍Net income +7,3% YoY
- ▍Free cash flow −9,5% YoY
- ▍Net margin 13.5%
Revenue ¥10.96B, +19,6% YoY; Operating income +24,9% YoY.
- ▍Revenue ¥10.96B, +19,6% YoY
- ▍Operating income +24,9% YoY
- ▍Net income +24,4% YoY
- ▍Free cash flow +16,1% YoY
- ▍Net margin 15.2%
Revenue ¥9.16B, +20,5% YoY; Operating income +112,5% YoY.
- ▍Revenue ¥9.16B, +20,5% YoY
- ▍Operating income +112,5% YoY
- ▍Net income +142,5% YoY
- ▍Free cash flow +69,8% YoY
- ▍Net margin 14.6%
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Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 127,70 |
| Revenue | —no estimate | —no estimate | 21,5B JPY |
| Operating income | —no estimate | —no estimate | —no estimate |
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consensus EPS · 26-week trendSell-side observations
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Risk factors
- No immediate filing-based liquidity or dilution flags were detected.
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- J-Lease Co Ltd Market data — financials · 2026-05-27
- J-Lease Co Ltd Market data — analyst estimates · 2026-05-27