ACOM Co Ltd (JP:8572)
:8572
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ACOM Co
(8572)
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Select Model
Rating:69Neutral
Price Target:
¥539.00
▲(4.50% Upside)
Action:ReiteratedDate:10/25/25
The overall score reflects strong financial performance with robust revenue growth and a solid equity position, but is tempered by declining profit margins and cash flow challenges. Technical analysis indicates bearish momentum, while valuation metrics suggest the stock is fairly valued with a good dividend yield.
Positive Factors
Revenue Growth
Sustained top-line expansion (7.8% year-over-year) demonstrates durable demand for ACOM's unsecured lending and supports recurring interest income. Over 2–6 months this underpins the core business cash generation potential and provides a base to absorb cyclical credit losses or fund measured portfolio growth.
Negative Factors
Declining Net Profit Margin
A sharp fall in net margin signals structural pressure on retained earnings and profitability generation. Over months this compresses ROE and internal capital formation, limiting funding for growth or dividend sustainability unless operational costs or credit losses are addressed.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained top-line expansion (7.8% year-over-year) demonstrates durable demand for ACOM's unsecured lending and supports recurring interest income. Over 2–6 months this underpins the core business cash generation potential and provides a base to absorb cyclical credit losses or fund measured portfolio growth.
Read all positive factors
ACOM Co (8572) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥750.56B
Dividend Yield3.48%
Average Volume (3M)2.05M
Price to Earnings (P/E)10.9
Beta (1Y)0.86
Revenue Growth6.65%
EPS Growth-4.35%
CountryJP
Employees5,404
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)11.30
Shares Outstanding1,566,614,100
10 Day Avg. Volume1,958,910
30 Day Avg. Volume2,046,810
Financial Highlights & Ratios
PEG Ratio-0.47
Price to Book (P/B)0.92
Price to Sales (P/S)1.88
P/FCF Ratio-1.23K
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)51.3
Revenue Forecast (FY)¥338.27B
ACOM Co Business Overview & Revenue Model
Company Description
Acom Co., Ltd. engages in the loan, credit card, and loan guarantee businesses in Japan and internationally. The company operates through Loan and Credit Card Business, Guarantee Business, Overseas Financial Business, and Loan Servicing Business s...
How the Company Makes Money
ACOM primarily makes money through interest income and fees generated from its consumer lending business. Its core revenue stream comes from charging interest on unsecured personal loans (including revolving credit-style borrowing) provided to ret...
ACOM Co Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
80
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 322.87B | 317.74B | 294.73B | 273.79B | 262.15B | 266.34B |
| Gross Profit | 306.72B | 279.99B | 260.12B | 241.00B | 230.25B | 231.34B |
| EBITDA | 69.21B | 67.76B | 94.94B | 92.43B | 41.79B | 108.22B |
| Net Income | 52.61B | 32.13B | 53.09B | 54.93B | 55.68B | 78.86B |
Balance Sheet | ||||||
| Total Assets | 1.50T | 1.49T | 1.42T | 1.30T | 1.26T | 1.22T |
| Cash, Cash Equivalents and Short-Term Investments | 52.03B | 60.27B | 73.49B | 57.67B | 74.24B | 83.32B |
| Total Debt | 687.81B | 688.21B | 664.75B | 581.17B | 570.59B | 609.99B |
| Total Liabilities | 774.81B | 777.37B | 743.23B | 677.48B | 699.34B | 703.98B |
| Stockholders Equity | 669.31B | 653.56B | 628.01B | 581.09B | 531.88B | 485.68B |
Cash Flow | ||||||
| Free Cash Flow | -487.00M | -487.00M | -41.39B | -6.00B | 41.61B | 109.83B |
| Operating Cash Flow | 876.00M | 876.00M | -36.76B | -1.32B | 46.09B | 113.18B |
| Investing Cash Flow | -6.48B | -6.48B | -6.18B | -2.69B | -4.03B | -4.57B |
| Financing Cash Flow | -6.41B | -6.41B | 57.16B | -12.93B | -50.16B | -108.79B |
ACOM Co Technical Analysis
Neutral
515.80
Price Trends
503.07
Negative
490.53
Negative
466.38
Positive
Market Momentum
-7.91
Positive
46.85
Neutral
47.35
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8572, the sentiment is Neutral. The current price of 515.8 is above the 20-day moving average (MA) of 486.40, above the 50-day MA of 503.07, and above the 200-day MA of 466.38, indicating a neutral trend. The MACD of -7.91 indicates Positive momentum. The RSI at 46.85 is Neutral, neither overbought nor oversold. The STOCH value of 47.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8572.
ACOM Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥657.22B | 7.04 | 9.13% | 2.79% | 20.96% | 22.58% | |
69 Neutral | ¥750.56B | 10.93 | 7.97% | 3.48% | 6.65% | -4.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥185.85B | 9.94 | ― | 4.42% | 2.13% | -25.62% | |
66 Neutral | ¥341.67B | 14.65 | 3.46% | 3.04% | 10.31% | -40.64% | |
61 Neutral | ¥559.48B | 21.83 | 11.30% | 3.66% | 8.02% | 19.35% | |
56 Neutral | ¥221.05B | 6.81 | 13.08% | 1.25% | 15.37% | 26.00% |
* Financial Sector Average
JP:8572
ACOM Co
479.10
93.43
24.23%
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ACOM Co Corporate Events
ACOM Reshapes Organization to Bolster Digital Strategy and Cybersecurity
Feb 20, 2026
ACOM Co., Ltd. announced a restructuring of its organizational and executive framework to strengthen digital capabilities and cybersecurity, effective April 1, 2026. The company will merge its Digital Promotion Office into a newly named Digital an...
ACOM Posts Strong Profit Growth and Boosts Dividend on Solid Nine-Month Results
Jan 30, 2026
ACOM Co., Ltd. reported solid financial performance for the nine months ended December 2025, with operating revenues rising 6.1% year on year to ¥251.3 billion and operating profit increasing 9.8% to ¥82.0 billion. Ordinary profit grew 9...
ACOM Lifts Nine-Month Profit 46% and Confirms Strong Full-Year Outlook
Jan 30, 2026
ACOM reported solid growth for the nine months ended December 31, 2025, with operating revenue rising 6.1% year on year to ¥251.3 billion and operating profit up 9.8% to ¥82.0 billion, while profit attributable to owners of the parent su...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.