JACCS CO., LTD. (8584) Stock Price

Jaccs is a consumer credit company operating diverse businesses domestically and internationally. In Japan, the company operates three main divisions—Credit, Payment, and Finance—leveraging credit investigation and data processing capabilities.

In the domestic credit business, Jaccs conducts credit investigations and provides payment advances when approved customers purchase goods at affiliated merchants. The Payment division issues credit cards, provides rent guarantees, and offers collection services.

The Finance division provides mortgage guarantees and personal loan guarantees for consumers borrowing from partner financial institutions. The company also offers leasing and business financing.

Domestic subsidiaries include Jaccs Total Service Co., Ltd., which operates insurance agency services, and Jaccs Lease Co., Ltd., which handles leasing operations. Jaccs Debt Collection Service Co., Ltd. manages debt collection and receivables management.

Internationally, Jaccs primarily operates two-wheeler and auto loan credit businesses. Subsidiaries in Vietnam, Indonesia, Cambodia, and the Philippines issue unsecured personal loans and credit cards, though some new business applications have been suspended as part of business restructuring.

Jacks has established a long-term vision to "become a top brand as Asia's leading consumer finance company." To realize this vision, the company is advancing its medium-term management plan "Do next!" beginning in fiscal year 2025. This plan strengthens collaboration with the MUFG Group and positions the next three years as a period of transformation and renewed growth.

Jacks' growth strategy is based on three key priorities. First, accelerating growth strategy through enhanced collaboration with the MUFG Group and M&A activities. By leveraging MUFG's customer network and establishing new frameworks for cross-referrals, the company aims to expand revenue. Additionally, through growth investments domestically and internationally, the company is considering expansion into credit business and new geographic markets.

Second, the company is advancing business restructuring through a shift from "volume to quality." Domestically, it will pursue selective focus in credit operations and review sales structures for greater efficiency. Internationally, it aims to rebuild operational foundations in Vietnam and Indonesia while expanding the volume of high-quality loan portfolios.

Third, the company will strengthen financial soundness and improve capital efficiency through advanced ALM management. By leveraging synergies with the MUFG Group and diversifying funding sources, the company will reinforce its financial foundation. Through these initiatives, Jacks aims to achieve sustainable growth and enhance corporate value.