Orient Corporation (8585) Stock Price

Orient Corporation operates an installment credit business. In this business, when customers wish to purchase goods or services from affiliated merchants on an installment basis, the company conducts credit checks and, on behalf of approved customers, advances payment to the merchants. Major products include "Auto Loans," "Auto Leases," and "Shopping Credit."

In the Card and Lending business, Orient Corporation issues credit cards. Customers use credit cards to purchase goods and services, and the company advances payment to affiliated merchants on their behalf. The card lineup includes "Proprietary Cards," "Co-branded Cards," and "Business Cards," all equipped with cash advance functions. The company also provides "Loan Cards" and unsecured loans.

In the Bank Guarantee business, Orient Corporation guarantees customer debt for borrowing from partner financial institutions. By conducting credit checks and guaranteeing the debt of approved customers, the company facilitates smooth transactions with financial institutions.

The Settlement and Guarantee business includes rent payment guarantees, accounts receivable guarantees, collection services, and small-ticket lease guarantees. Under rent payment guarantees, the company guarantees customer rent payments. Under accounts receivable guarantees, it guarantees trade receivables between businesses. Collection services involve collecting fees from customers on behalf of affiliated merchants.

As an overseas business, Orient Corporation operates auto loans and related services in Thailand, the Philippines, and Indonesia. Through these operations, the company pursues market expansion in the Asian region and provides financial services tailored to local needs.

Orient Corporation is advancing its growth strategy to realize a sustainable society. Under its medium-term management plan, the company aims to create new financial services by leveraging "credit × technology," providing customers with safe and convenient financial services while addressing social challenges.

The company prioritizes cashless society realization, regional economic revitalization, and circular economy promotion as key initiatives. Specifically, it focuses on contributing to regional economic growth through credit provision to small and medium-sized enterprises and productivity improvement support. Additionally, the company aims to realize a circular economy by promoting reuse and recycling while advancing decarbonization efforts.

Orient Corporation is strengthening digitalization and AI utilization to improve productivity across the organization. Furthermore, it is promoting inclusion and diversity to create an environment where diverse talent can perform at their highest level. These efforts aim to foster innovation and enhance competitive advantage.

The company has set targets of operating profit exceeding 50 billion yen and ROE of 12% or higher by 2030. To achieve these goals, the company is implementing concrete strategies including business restructuring, creation of new customer experience value, and deepening its presence in the circular economy market. Through these initiatives, the company aims to achieve sustainable growth while balancing social and corporate value creation.