Jaccs Co., Ltd. (株式会社ジャックス)

Wiki route

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 (mufg parent company)
   ↓ 2007-04 brought into the Mitsubishi UFJ Bank lineage (mufg equity-method application)
Present: mufg Group · TSE PRIME 8584

2. Business-segment map

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

Sources: Jaccs history and Jaccs IR for issuer history and current disclosure.

Positioning within the group

Current disclosures support the following limited description of the Jaccs–MUFG relationship:

Sources: Jaccs stock information and Jaccs group strategy. This page does not infer Acom or Mitsubishi UFJ NICOS percentages.

Jaccs is useful for reading sales finance—installments arranged through merchants—without inferring an allocation of roles or ownership among other MUFG group companies.

Competitive structure

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)

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[!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.