Jaccs Co., Ltd. (株式会社ジャックス)
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This entry sits under card-issuers INDEX. Read it against Orico for peer / contrast context and banking index for the broader system / regulatory boundary.
TL;DR
A major credit / sales-finance company originating in Hokkaido. **Founded in Hakodate as Hokkaido Shin’yo Hanbai Co., Ltd. in 1954-07 **, renamed to “Jaccs” in 1968 . Its business lines center on sales finance, individual installment credit, card loans, collection-agency services, rent guarantees, and auto loans. Positioned as an equity-method affiliate of the mufg Group (with Mitsubishi UFJ Bank as a principal shareholder), it serves as the “third sales-finance axis” alongside MUFG’s credit-card / consumer-finance axes (Mitsubishi UFJ Nicos and Acom within mufg). Listed on TSE PRIME 8584 . Competitors are orico and credit-saison. Overseas, it operates finance businesses in Vietnam, Cambodia, and Indonesia.
1. Company overview
Formal name: Jaccs Co., Ltd. (株式会社ジャックス) Securities code: TSE PRIME 8584 Established: 1954-07 (former Hokkaido Shin’yo Hanbai Co., Ltd., originating in Hakodate) Renaming: to “Jaccs” in 1968 年 Listing: 1971 listed on the First Section of the Tokyo Stock Exchange Headquarters: Minato-ku, Tokyo (registered) / major bases in Hakodate and Sapporo Parent: mufg (equity-method affiliate, with Mitsubishi UFJ Bank as a principal shareholder)
Business category
In the credit / sales-finance industry, the 2-3 位group next to Orico (orico).
- Major 3 : orico / Jaccs / credit-saison
- Industry axis: individual installment credit + credit cards + collection-agency services + guarantees
History of the capital lineage
1954-07 Hokkaido Shin'yo Hanbai (Hakodate)
↓ 1968 trade-name change
Jaccs
↓ 1971 listed on the First Section of the TSE
↓ management difficulties in the 1990s → support from Sanwa Bank
↓ 2005-10 MUFG established ([[megabanks/mufg]] parent company)
↓ 2007-04 brought into the Mitsubishi UFJ Bank lineage ([[megabanks/mufg]] equity-method application)
Present: [[megabanks/mufg]] Group · TSE PRIME 85842. Business-segment map
| Segment | Main business | Characteristics |
|---|---|---|
| Individual installment credit (shopping credit) | Auto loans / education loans / renovation loans | The flagship 3 major loan axis, with strength in sales finance via member merchants |
| Credit cards | Jaccs Card (VISA / Mastercard / JCB tie-ups) | Develops the card business as a consumer point-of-contact |
| Card loans | Unsecured loans for individuals | Own channels · bank-guarantee tie-ups |
| Collection-agency services | Account-transfer agency for utility bills and recurring billing | BtoB stock revenue |
| Rent guarantee | Guarantee services for rental housing | Real-estate-industry cooperation |
| Corporate finance | Corporate handling of leases and installments | Complementary business |
| Overseas (ASEAN) | Vietnam · Cambodia · Indonesia consumer finance | Centered on motorcycle loans and durable-goods loans |
Strength of the auto-loan axis
Jaccs has a member-merchant network of car dealerships (including used cars), and ranks at the top of the sales-finance industry through the in-store “loan proposal” flow. Education loans and renovation loans likewise follow a member-merchant model. This is the main battleground where it competes directly with orico.
Overseas strategy (ASEAN)
- Vietnam: full-scale entry from around 2014 年, motorcycle and home-appliance loans
- Cambodia: individual installments via a local subsidiary
- Indonesia: motorcycle and durable-consumer-goods loans
ASEAN is consistent with MUFG’s overall overseas strategy (Krungsri / Bank Danamon / VietinBank, see mufg). Jaccs carries the consumer-finance layer that complements the parent company’s banking network.
3. History
| Year | Event |
|---|---|
| 1954-07 | Hokkaido Shin’yo Hanbai Co., Ltd. established (Hakodate) |
| 1968 | Trade name changed to “Jaccs” |
| 1971 | Listed on the First Section of the Tokyo Stock Exchange |
| 1980s | Nationwide expansion · HQ functions moved to Tokyo |
| 1990s | Management difficulties → support from Sanwa Bank (later UFJ → mufg) |
| 2001 | UFJ Holdings established, Jaccs joins the UFJ lineage |
| 2005-10-01 | mufg established, Jaccs moves toward becoming an MUFG affiliate |
| 2007-04 | Brought into the Mitsubishi UFJ Bank lineage (equity-method affiliate) |
| 2014〜 | Acceleration of overseas entry (ASEAN: Vietnam · Cambodia · Indonesia) |
| 2022-04 | TSE market-segment review → TSE PRIME 8584 |
| 2024〜 | Medium-term management plan (disclosed portion) launched |
Positioning within the group
The consumer-finance · credit-card · sales-finance 3 axis within the mufg Group:
| Function | Responsible company | Positioning from mufg |
|---|---|---|
| Megabank card | Mitsubishi UFJ Nicos | 100% consolidated subsidiary · one of the three major credit cards |
| Consumer finance (unsecured) | Acom | Equity-method 39.6% · TSE STD 8572 |
| Sales finance · individual installment credit | Jaccs | Equity-method affiliate · TSE PRIME 8584 |
In other words, Jaccs occupies the position responsible for “sales finance = member-merchant-based installments that mufg cannot easily cover with direct bank lending.”
Competitive structure
| Competitor | Strength | Difference from Jaccs |
|---|---|---|
| orico | Industry’s largest · Itochu + Mizuho lineage | Ahead in scale; Jaccs counters in Hokkaido, autos, and education |
| credit-saison | Card × stock-type · distribution-affiliated | Skewed toward cards; Jaccs is heavier in installments |
| Aeon Financial | Distribution-affiliated · WAON | Dependent on a distribution base; Jaccs has diverse member merchants |
| Rakuten Card | Digital · EC | Ahead on the digital axis; Jaccs counters with offline member merchants |
Medium-term strategy (disclosed direction)
- Deepening the 3 major loans (auto · education · renovation)
- Expanding the member-merchant network: dealers, educational institutions, home-renovation companies
- Expanding the digital-application flow: from paper-based credit screening to fully online
- ASEAN consumer finance: motorcycle and durable-goods loans via local subsidiaries
- Complementary function as an MUFG-lineage member: role division with mufg Bank, Nicos, and Acom
5. Regulation / policy
- Competent authority: Financial Services Agency (FSA)
- Registration: a registered operator under the Installment Sales Act and the Money Lending Business Act
- Industry body: a member of the Japan Consumer Credit Association (JCA)
- Main regulations:
- Installment Sales Act: comprehensive credit-purchase intermediary operator · individual credit-purchase intermediary operator
- Money Lending Business Act: subject to the total-volume regulation (annual-income 1/3 regulation)
- Act on the Protection of Personal Information · amended Payment Services Act (crypto-asset matters are out of scope)
- Recent policy issues:
- 2024〜 introduction of AI / machine learning into the credit-screening model
- Cashless-promotion policy (card fees, member-merchant regulation)
- 2025〜 amended Installment Sales Act · sophistication of identity verification
Related
- mufg — The parent body / equity-method affiliate’s main entity
- orico — The industry’s largest competitor (Mizuho + Itochu lineage)
- credit-saison — Card × stock-type competitor
- smfg — Contrast axis for the industry as a whole
Sources
- Wikipedia: Jaccs Co., Ltd. (https://ja.wikipedia.org/wiki/ジャックス, accessed 2026-05-19, public information only)
- Jaccs official IR (TSE PRIME 8584 disclosure materials, disclosed portion)
- mufg 20 th-term (2025-03 term) annual securities report (list of equity-method affiliates)
[!info] Verification status confidence: likely (composed of public information only, 2026-05-19). The year of establishment, year of listing, parent-company relationship, and business category are within the range verifiable via Wikipedia + Jaccs official IR. Details of overseas bases and the medium-term plan are the disclosed portion only. No internal materials or non-public information are included whatsoever.