JACCS CO., LTD.
8584・Prime Market・Other Financing Business
Domestic Business
Core segment of domestic consumer credit business, centered on Credit, Payment, and Finance Businesses.
| Period | Current | Previous | Change |
|---|---|---|---|
| Segment Operating Revenue | ¥170,415 million | ¥165,045 million | ↑ |
| Segment Profit | ¥22,888 million | ¥29,176 million | ↓ |
| Segment Transaction Volume | ¥5,767,623 million | ¥5,621,526 million | ↑ |
| Segment Assets | ¥3,659,699 million | ¥3,683,415 million | ↓ |
| Depreciation | ¥10,813 million | ¥10,092 million | ↑ |
| Interest on Borrowings (Domestic) | ¥20,695 million | ¥14,443 million | ↑ |
Business Details
Domestic business segment operated by JACCS Co., Ltd. and three domestic consolidated subsidiaries (JACCS Debt Collection Service, JACCS Total Service, JACCS Lease). The segment comprises four businesses: shopping credit and auto loans (Credit Business), credit cards, rent guarantees, and collection agency services (Payment Business), housing loan guarantees and bank personal loan guarantees (Finance Business), and auto lease and business financing (Other). This is the flagship segment, accounting for approximately 89% of consolidated operating revenue.
Recent Overview
Transaction volume and operating revenue increased, but segment profit fell 21.6% due to higher financial expenses from rising funding rates.
In the Domestic Business for FY2026 (ending March 2026), the Credit Business (housing-related and auto loans) and the Finance Business (housing loan guarantees and bank personal loan guarantees) drove results, with segment transaction volume reaching ¥5,767,623 million (up 2.6% year on year) and operating revenue reaching ¥170,415 million (up 3.3%), achieving revenue growth. On the other hand, due to rising funding rates driven by the Bank of Japan's policy rate hikes and expanded fund demand, domestic interest on borrowings increased substantially from ¥14,443 million to ¥20,695 million, resulting in a sharp decline in segment profit to ¥22,888 million (down 21.6%). In the Payment Business, operating revenue declined due to the termination of partnerships with some affiliates and a decrease in revolving credit balances.
Key Products
Growth Drivers
- Expanded collaboration within the MUFG Group based on the capital and business alliance with Mitsubishi UFJ Bank (bank personal loan guarantees, my-car loan initiatives, etc.)
- Steady expansion of transaction volume in housing-related products (home renovation, industrial solar including secondary solar, etc.)
- Rising per-unit transaction prices in housing loan guarantees for investment condominiums amid soaring property prices
- Expansion of new partnerships and continued stable transactions with existing partners in rent guarantees and collection agency services
- Steady expansion in the number of units held, driven by growth in the auto lease market amid a shift in consumer attitudes from ownership to usage
- Increased operating revenue in Credit and Auto Loans due to the reversal of deferred installment profit balances
Risks
- Substantial increase in financial expenses due to rising funding rates (domestic interest on borrowings: ¥14,443 million → ¥20,695 million)
- Increased system-related expenses due to a change in the data center relocation method (system expenses: ¥16,646 million → ¥17,616 million)
- Decline in Payment Business revenue due to insufficient buildup of revolving balances amid sluggish proprietary card membership numbers
- Decline in card shopping transaction volume and operating revenue due to termination of partnerships with some affiliates
- Risk of further increases in funding costs due to continued Bank of Japan policy rate hikes
- Uncertainty regarding the outlook due to the impact of continued price increases on personal consumption and developments in US trade policy
Last updated: June 22, 2026