ACOM Co Ltd (JP:8572)
:8572
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ACOM Co
(8572)
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Rating:63Neutral
Price Target:
¥485.00
▼(-5.97% Downside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by solid profitability and growth in financial performance, tempered by elevated leverage and historically weak/volatile cash flow. Valuation is a notable positive (low P/E and high dividend yield), while technicals are a headwind given the stock trading below key moving averages.
Positive Factors
Steady revenue growth
Multi-year revenue expansion demonstrates durable demand for ACOM's credit services and supports scale. Consistent top-line growth across 2022–2026 reduces reliance on one-off gains, enabling reinvestment in operations, product development and distribution to sustain long-term market position.
Negative Factors
Elevated leverage
Meaningful reliance on borrowings increases interest expense sensitivity and reduces financial flexibility. High leverage can amplify earnings swings, constrain capital allocation during downturns, and limit ability to pursue acquisitions or absorb credit losses without raising costly external funding.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue growth
Multi-year revenue expansion demonstrates durable demand for ACOM's credit services and supports scale. Consistent top-line growth across 2022–2026 reduces reliance on one-off gains, enabling reinvestment in operations, product development and distribution to sustain long-term market position.
Read all positive factors
ACOM Co (8572) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥732.39B
Dividend Yield3.48%
Average Volume (3M)2.05M
Price to Earnings (P/E)9.2
Beta (1Y)0.81
Revenue Growth6.29%
EPS Growth147.90%
CountryJP
Employees5,404
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)33.59
Shares Outstanding1,566,614,100
10 Day Avg. Volume1,958,910
30 Day Avg. Volume2,046,810
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)1.00
Price to Sales (P/S)2.13
P/FCF Ratio63.38
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)43.73
Revenue Forecast (FY)¥356.87B
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
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ACOM Co Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 322.87B | 337.71B | 317.74B | 294.73B | 273.79B | 262.15B |
| Gross Profit | 306.72B | 298.52B | 279.99B | 260.12B | 241.00B | 230.25B |
| EBITDA | 69.21B | 111.24B | 67.76B | 94.94B | 92.43B | 41.79B |
| Net Income | 52.61B | 79.64B | 32.13B | 53.09B | 54.93B | 55.68B |
Balance Sheet | ||||||
| Total Assets | 1.50T | 1.62T | 1.49T | 1.42T | 1.30T | 1.26T |
| Cash, Cash Equivalents and Short-Term Investments | 52.03B | 80.40B | 60.27B | 73.49B | 57.67B | 74.24B |
| Total Debt | 687.81B | 733.17B | 688.21B | 664.75B | 581.17B | 570.59B |
| Total Liabilities | 774.81B | 833.92B | 777.37B | 743.23B | 677.48B | 699.34B |
| Stockholders Equity | 669.31B | 719.02B | 653.56B | 628.01B | 581.09B | 531.88B |
Cash Flow | ||||||
| Free Cash Flow | -487.00M | 11.37B | -487.00M | -41.39B | -6.00B | 41.61B |
| Operating Cash Flow | 876.00M | 12.10B | 876.00M | -36.76B | -1.32B | 46.09B |
| Investing Cash Flow | -6.48B | -4.91B | -6.48B | -6.18B | -2.69B | -4.03B |
| Financing Cash Flow | -6.41B | 13.11B | -6.41B | 57.16B | -12.93B | -50.16B |
ACOM Co Technical Analysis
Neutral
515.80
Price Trends
475.49
Negative
485.10
Negative
467.87
Negative
Market Momentum
-4.99
Positive
46.20
Neutral
53.67
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 474.36, above the 50-day MA of 475.49, and above the 200-day MA of 467.87, indicating a bearish trend. The MACD of -4.99 indicates Positive momentum. The RSI at 46.20 is Neutral, neither overbought nor oversold. The STOCH value of 53.67 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥540.09B | 9.36 | 9.13% | 2.79% | 11.14% | 1.90% | |
63 Neutral | ¥732.39B | 9.20 | 7.97% | 3.48% | 6.29% | 147.90% | |
61 Neutral | ¥325.91B | 15.45 | 3.46% | 3.04% | 7.13% | 34.82% | |
60 Neutral | ¥489.66B | 17.22 | 11.30% | 3.66% | 8.83% | 10.44% | |
56 Neutral | ¥155.73B | 39.58 | ― | 4.42% | 1.18% | -28.29% |
* Financial Sector Average
JP:8572
ACOM Co
467.50
70.05
17.62%
JP:8570
AEON Financial Service Co
1,510.00
263.50
21.14%
JP:8253
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4,093.00
232.96
6.04%
JP:8252
Marui Group Co
2,728.00
-156.36
-5.42%
JP:8584
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3,490.00
-382.77
-9.88%
ACOM Co Corporate Events
ACOM Posts Sharp Profit Rebound and Strengthens Balance Sheet in FY2026
May 12, 2026
ACOM Co., Ltd. reported a solid performance for the fiscal year ended March 2026, with operating revenues rising 6.3% to ¥337.7 billion and operating profit surging 71.4% to ¥100.4 billion. Profit attributable to owners of the parent jum...
ACOM Delivers Profit Rebound but Flags Earnings Moderation Ahead
May 12, 2026
ACOM reported a strong rebound for the fiscal year ended March 2026, with operating revenue rising 6.3% to ¥337.7 billion and profit attributable to owners of the parent surging 147.9% to ¥79.6 billion, lifting ROE to 11.6%. The company ...
ACOM Lifts Full-Year Profit and Dividend Forecasts on Stronger Loan Interest Income
Apr 20, 2026
ACOM has raised its full-year earnings and dividend forecasts for the fiscal year ended March 2026, citing stronger-than-expected interest income on operating loans and benefits from the weaker yen. Consolidated operating revenue is now projected ...
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...
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.