ACOM Co (8572) AI Stock Analysis

• Market Cap: ¥839.55B
• Dividend Yield: 3.48%
• Average Volume (3M): 2.05M
• Price to Earnings (P/E): 15.8
• Beta (1Y): 0.87
• Revenue Growth: 6.65%
• EPS Growth: -4.35%
• Country: JP
• Employees: 5,404
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 10.76
• 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: ¥471.11
• Price Target Upside: -12.09% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: ¥579.00 ▲(8.04% Upside)

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

Consistent top-line expansion reflects durable demand for unsecured consumer lending in Japan and a growing loan book. Steady revenue growth strengthens recurring interest income, supporting long-term earnings stability and capacity to reinvest in origination and servicing capabilities.

Balance Sheet Strength

A solid equity base and manageable leverage provide resilience through credit cycles and support regulatory capital buffers. This structural strength enables sustainable lending capacity and reduces the need for dilutive capital raises during stress, preserving strategic flexibility.

High Gross Margin

Very high gross margin highlights structural pricing power of the consumer finance model where interest income dominates. Sustainable gross spreads provide a durable cushion to cover operating costs and impairments, supporting long-term profitability if credit trends remain controlled.

Negative Factors

Falling Net Profit Margin

A large drop in net margin signals rising costs, higher credit provisions, or fee pressure that weaken the company's ability to convert revenue into shareholder returns. If persistent, lower margins erode capital accumulation and limit capacity to absorb future credit shocks.

Weak Cash Generation

Poor cash conversion and negative FCF reduce internal funding for loan growth, investments, or dividends and increase dependence on external funding. Structural cash generation weakness raises liquidity and refinancing risk, especially if market funding conditions tighten.

Declining Return on Equity

A marked fall in ROE reflects reduced capital efficiency and profitability. Persistently low ROE undermines long-term shareholder value, limits retained-earnings growth for organic expansion, and may pressure management to adjust strategy or capital distribution policies.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
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: Positive
• Last Price: 535.90
• 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 535.9 is above the 20-day moving average (MA) of 503.02, above the 50-day MA of 481.45, and above the 200-day MA of 438.62, indicating a bullish trend. The MACD of 13.44 indicates Negative momentum. The RSI at 81.96 is Negative, neither overbought nor oversold. The STOCH value of 97.30 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	69 Neutral	¥839.55B	15.77	7.91%	3.48%	6.65%	-4.35%
8253	68 Neutral	¥688.80B	10.14	9.13%	2.79%	20.96%	22.58%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥196.11B	9.06	―	4.42%	2.13%	-25.62%
8570	66 Neutral	$379.22B	23.23	3.05%	3.04%	10.31%	-40.64%
8252	64 Neutral	¥565.40B	19.56	11.30%	3.66%	8.02%	19.35%
8515	60 Neutral	€285.87B	10.11	13.08%	1.25%	15.37%	26.00%

ACOM Co Corporate Events

ACOM Co. Reports Strong Financial Growth for H1 2025

ACOM Co., Ltd. reported a significant increase in its financial performance for the six months ending September 30, 2025, with a 70.7% rise in profit attributable to owners of the parent compared to the previous year. The company’s operating revenue and profit also saw substantial growth, reflecting its strong market positioning and effective operational strategies. The announcement indicates a positive outlook for stakeholders, with no amendments to the business results forecast, suggesting stability and confidence in future performance.

The most recent analyst rating on (JP:8572) stock is a Hold with a Yen489.00 price target. To see the full list of analyst forecasts on ACOM Co stock, see the JP:8572 Stock Forecast page.