ACOM Co (8572) AI Stock Analysis

• Market Cap: ¥746.33B
• Dividend Yield: 3.48%
• Average Volume (3M): 2.05M
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.85
• Revenue Growth: 6.65%
• EPS Growth: -4.35%
• Country: JP
• Employees: 5,404
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 11.30
• Shares Outstanding: 1,566,614,100
• 10 Day Avg. Volume: 1,958,910
• 30 Day Avg. Volume: 2,046,810
• 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 Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 50.99
• Revenue Forecast (FY): ¥337.95B

• Rating: 69 Neutral
• Price Target: ¥546.00 ▲(5.85% Upside)
• Action: Reiterated Date: 10/25/25
• Date: Action: Reiterated 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

Sustained Revenue Growth

ACOM's 7.8% revenue increase to ¥317.7bn in 2025 indicates persistent demand for unsecured consumer lending. Durable top-line growth supports scale economies, deeper customer data for underwriting, and continued capacity to fund risk management and distribution investments over the medium term.

Solid Capital Base

A 44% equity ratio with manageable leverage (debt/equity ~1.05) provides balance-sheet resilience against credit cycles and regulatory stress. This structural financial strength supports access to funding, cushions credit shocks, and preserves strategic optionality for loan growth or capital returns over the next several quarters.

High Gross Profit Margin

An ~89.4% gross profit margin shows the core lending business retains substantial spread after direct costs. High gross margins create structural room to absorb higher credit costs or operating investments while maintaining product economics, underpinning long-term profitability if origination quality holds.

Negative Factors

Falling Net Profitability

A drop from 18.0% to 10.1% net margin reflects material deterioration in bottom-line conversion. Persistent margin compression reduces retained earnings, limits reinvestment and dividend capacity, and signals either rising credit costs or operating inefficiencies that could erode long-term return generation if not addressed.

Weak Cash Conversion

Negative FCF and an operating-cash-to-net-income ratio near 0.03 indicate earnings are not translating into cash. This structural cash conversion weakness can constrain debt reduction, investment, or payouts, increasing reliance on external funding and limiting financial flexibility across the medium term.

Declining Return on Equity

ROE halving to 4.9% signals reduced efficiency in deploying shareholder capital. Persistently low ROE can pressure management on capital allocation, reduce attractiveness to long-term investors, and indicate that scale advantages are not translating into commensurate shareholder returns unless profitability dynamics improve.

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 generates revenue primarily through interest income on loans provided to consumers and businesses. The company earns fees from credit card transactions and annual membership fees from cardholders. Additionally, ACOM profits from various financial products, including personal loans and installment sales financing. Key revenue streams include interest charged on outstanding balances, late payment fees, and commissions from partner merchants for facilitating credit card transactions. Strategic partnerships with retail and service providers enhance ACOM's market presence and revenue potential, as they offer co-branded credit products and promotions to attract new customers.

ACOM Co Financial Statement Overview

Summary

ACOM Co shows strong revenue growth and a solid equity position, but faces challenges with declining profit margins and cash flow issues. The company needs to improve 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	TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2021
Income Statement
Total Revenue	322.88B	317.74B	294.73B	273.79B	262.15B	266.31B
Gross Profit	315.54B	309.97B	288.04B	268.12B	255.34B	258.60B
EBITDA	136.03B	62.71B	95.26B	88.97B	37.54B	103.15B
Net Income	52.61B	32.12B	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

• Technical Analysis Sentiment: Neutral
• Last Price: 515.80
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 510.71, above the 50-day MA of 509.56, and above the 200-day MA of 460.61, indicating a neutral trend. The MACD of -0.76 indicates Positive momentum. The RSI at 42.22 is Neutral, neither overbought nor oversold. The STOCH value of 33.01 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8253	73 Outperform	¥714.12B	7.04	9.13%	2.79%	20.96%	22.58%
8572	69 Neutral	¥746.33B	10.93	7.91%	3.48%	6.65%	-4.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥183.39B	9.94	―	4.42%	2.13%	-25.62%
8570	66 Neutral	¥353.10B	14.65	3.05%	3.04%	10.31%	-40.64%
8252	61 Neutral	¥548.17B	21.83	11.30%	3.66%	8.02%	19.35%
8515	56 Neutral	¥237.50B	6.81	13.08%	1.25%	15.37%	26.00%

ACOM Co Corporate Events

ACOM Reshapes Organization to Bolster Digital Strategy and Cybersecurity

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 and Business Process Management Department and establish a dedicated Cybersecurity Office under the System Development & Administration Division.

Alongside the structural changes, ACOM is reassigning executive managing officers, executive officers, and chief general managers to align leadership with its digital strategy, overseas business oversight, and risk management. These moves signal a push to enhance operational efficiency, accelerate technology adoption, and better respond to growing cyber risks, with implications for both internal governance and the resilience of its financial services operations.

The most recent analyst rating on (JP:8572) stock is a Hold with a Yen531.00 price target. To see the full list of analyst forecasts on ACOM Co stock, see the JP:8572 Stock Forecast page.

ACOM Posts Strong Profit Growth and Boosts Dividend on Solid Nine-Month Results

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 9.6% to ¥82.2 billion, while profit attributable to owners of the parent surged 46.4% to ¥68.7 billion, reflecting improved profitability and efficiency. Comprehensive income climbed 16.7% to ¥70.9 billion, and basic earnings per share advanced to ¥43.84 from ¥29.95 a year earlier. On the balance sheet, total assets expanded to ¥1.56 trillion and net assets to ¥752.0 billion, with the capital adequacy ratio edging up to 44.6%, underscoring a strengthened financial base. The company also continued its shareholder return policy, lifting the second-quarter dividend per share to ¥10.00 from ¥7.00 in the previous fiscal year, signaling management’s confidence in earnings sustainability and financial stability.

The most recent analyst rating on (JP:8572) stock is a Hold with a Yen525.00 price target. To see the full list of analyst forecasts on ACOM Co stock, see the JP:8572 Stock Forecast page.

ACOM Lifts Nine-Month Profit 46% and Confirms Strong Full-Year Outlook

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 surged 46.4% to ¥68.7 billion, reflecting improved profitability and higher comprehensive income. The company’s financial position also strengthened, with total assets increasing to ¥1.56 trillion and shareholders’ equity ratio edging up to 44.6%, and it maintained its full-year forecast for FY2026, projecting continued revenue growth and more than doubling of full-year profit, alongside a planned dividend increase to an annual ¥20 per share, signaling management’s confidence and a more shareholder-friendly capital policy.

The most recent analyst rating on (JP:8572) stock is a Hold with a Yen525.00 price target. To see the full list of analyst forecasts on ACOM Co stock, see the JP:8572 Stock Forecast page.