ACOM Co (8572) AI Stock Analysis

• Market Cap: ¥726.91B
• Dividend Yield: 3.02%
• Average Volume (3M): 1.47M
• Price to Earnings (P/E): 13.8
• Beta (1Y): 0.83
• Revenue Growth: 7.25%
• EPS Growth: -0.63%
• Country: JP
• Employees: 5,404
• Sector: Financial
• Sector Strength: 65
• Industry: Financial - Credit Services
• EPS (TTM): 21.78
• Shares Outstanding: 1,566,614,100
• 10 Day Avg. Volume: 1,408,810
• 30 Day Avg. Volume: 1,474,636
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥454.70
• Price Target Upside: -2.00% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 75 Outperform
• Price Target: ¥471.00 ▲(1.51% Upside)

The overall stock score of 75 is driven by strong technical indicators suggesting positive momentum and a stable financial position. However, declining profit margins and cash flow challenges, alongside a moderate valuation, present areas for improvement. The technical analysis is the most significant positive factor.

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 segments. It also provides installment and unsecured loan, money lending, and embedded finance services. The company was founded in 1936 and is headquartered in Tokyo, Japan.

How the Company Makes Money

ACOM Co. generates revenue primarily through interest income from its consumer loan portfolio. The company offers unsecured personal loans to individuals, which form the core of its business model. In addition to interest income, ACOM earns fees from credit card services and loan guarantees. The company also engages in partnerships with financial institutions to provide loan guarantee services, which contribute to its revenue streams. ACOM's extensive distribution network, including physical branches and digital platforms, enhances its ability to reach a broad customer base, thereby driving its earnings.

ACOM Co Financial Statement Overview

Summary

ACOM Co shows robust revenue growth and a strong equity position. However, declining profit margins and cash flow challenges present concerns. The company has a stable financial position, but should focus on improving operational efficiency and cash flow management.

Income Statement

ACOM Co's income statement shows a stable revenue growth with a notable increase from ¥294.7 billion in 2024 to ¥317.7 billion in 2025, reflecting a growth rate of 7.8%. The gross profit margin remained strong at approximately 89.4% in 2025. However, the net profit margin decreased to 10.1% in 2025 from 18.0% in 2024, indicating reduced profitability. The EBIT and EBITDA margins also declined, suggesting potential operational challenges.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 1.05 in 2025, indicating manageable leverage. The equity ratio is strong at 44.0%, highlighting a solid equity base. Return on Equity (ROE) decreased to 4.9% in 2025 from 8.5% in 2024, suggesting reduced efficiency in generating profits from equity.

Cash Flow

ACOM Co's cash flow statement indicates challenges with a negative free cash flow of ¥487 million in 2025, although improved from the previous year. The operating cash flow to net income ratio is low at 0.03, which may signal liquidity concerns. However, the company's efforts to improve free cash flow are notable compared to 2024.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	317.74B	294.73B	273.79B	262.15B	266.31B
Gross Profit	284.06B	288.04B	268.12B	255.34B	258.60B
EBITDA	67.68B	94.55B	95.47B	42.83B	107.84B
Net Income	32.13B	53.09B	54.93B	55.68B	78.86B
Balance Sheet
Total Assets	1.49T	1.42T	1.30T	1.26T	1.22T
Cash, Cash Equivalents and Short-Term Investments	60.27B	73.49B	57.67B	74.24B	83.32B
Total Debt	688.21B	664.75B	581.17B	570.59B	609.99B
Total Liabilities	777.37B	743.23B	677.48B	699.34B	703.98B
Stockholders Equity	653.56B	628.01B	581.09B	531.88B	485.68B
Cash Flow
Free Cash Flow	-487.00M	-41.39B	-6.00B	41.61B	109.83B
Operating Cash Flow	876.00M	-36.76B	-1.32B	46.09B	113.18B
Investing Cash Flow	-6.48B	-6.18B	-2.69B	-4.03B	-4.57B
Financing Cash Flow	-6.41B	57.16B	-12.93B	-50.16B	-108.79B

ACOM Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 464.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8572, the sentiment is Positive. The current price of 464 is above the 20-day moving average (MA) of 439.63, above the 50-day MA of 428.62, and above the 200-day MA of 392.54, indicating a bullish trend. The MACD of 10.15 indicates Negative momentum. The RSI at 73.10 is Negative, neither overbought nor oversold. The STOCH value of 86.77 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8572.

ACOM Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8572	75 Outperform	¥726.91B	13.82	8.40%	3.02%	7.25%	-0.63%
Sector *	69 Neutral	€17.26B	12.49	15.03%	5.53%	-2.20%	-8.40%
AEOJF	―	$2.14B	19.95	3.09%	4.42%	―	―
CSASF	―	$3.96B	9.54	9.55%	3.58%	―	―
MAURF	―	$3.93B	15.02	11.77%	4.66%	―	―
AAU	―	€1.33B	9.20	11.42%	―	―	―
8584	75 Outperform	¥144.62B	8.52		4.31%	2.95%	-23.15%

ACOM Co Corporate Events

ACOM Co. Reports Strong Q1 Financial Results and Dividend Increase

ACOM Co. reported a significant increase in its financial performance for the first quarter of the fiscal year ending March 2026, with a notable 150.3% rise in profit attributable to owners of the parent compared to the previous year. The company also announced a forecasted annual dividend increase, reflecting strong financial health and a positive outlook for stakeholders.

The most recent analyst rating on (JP:8572) stock is a Hold with a Yen440.00 price target. To see the full list of analyst forecasts on ACOM Co stock, see the JP:8572 Stock Forecast page.

ACOM Co., Ltd. Strengthens Ties with Mitsubishi UFJ Financial Group

ACOM Co., Ltd. has announced its relationship with its parent company, Mitsubishi UFJ Financial Group, Inc., which holds a 40.18% stake in ACOM. The company maintains its independence in decision-making while aligning with the parent company’s corporate management policies. ACOM aims to expand its business scale and earnings within the consumer finance market under the group’s strategy. The company ensures fairness in transactions with MUFG Group companies by adhering to fair market rules and proper commercial practices.

ACOM Co. Announces Corrections to Financial Results

ACOM Co., Ltd. has announced corrections to its previously released financial results for the fiscal year ended March 31, 2025. The amendment involves a minor adjustment in the quantitative outlook for the fiscal year ending March 2026, specifically in the combined receivables from its loan, credit card, and guarantee business, reflecting a slight increase from 2,601.6 billion yen to 2,601.9 billion yen.