ACOM Co Ltd (JP:8572)
:8572
Want to see JP:8572 full AI Analyst Report?
Top Page
ACOM Co
(8572)
Select Model
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
Sustained Revenue Growth
Consistent top-line growth (7.8% YoY) demonstrates durable demand for ACOM's credit services and scale expansion. Sustained revenue expansion supports long-term investment capacity and provides a base to absorb rising expenses, enabling strategic reinvestment and incremental market share gains.
Negative Factors
Eroding Net Profit Margin
A sharp decline in net margin signals lasting pressure on the company's ability to convert revenue into shareholder returns. This deterioration can reflect rising provisioning, higher operating costs, or competitive pricing, reducing retained earnings and constraining capital available for growth or dividends.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Consistent top-line growth (7.8% YoY) demonstrates durable demand for ACOM's credit services and scale expansion. Sustained revenue expansion supports long-term investment capacity and provides a base to absorb rising expenses, enabling strategic reinvestment and incremental market share gains.
Read all positive factors
ACOM Co (8572) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥774.06B
Dividend Yield3.48%
Average Volume (3M)2.05M
Price to Earnings (P/E)10.9
Beta (1Y)0.82
Revenue Growth6.28%
EPS Growth-7.53%
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 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)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
null...
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
Positive
515.80
Price Trends
481.92
Positive
482.27
Positive
459.95
Positive
Market Momentum
0.12
Negative
56.59
Neutral
71.91
Neutral
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 515.8 is above the 20-day moving average (MA) of 470.99, above the 50-day MA of 481.92, and above the 200-day MA of 459.95, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 56.59 is Neutral, neither overbought nor oversold. The STOCH value of 71.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 | ¥673.64B | 7.04 | 9.13% | 2.79% | 12.44% | -9.17% | |
69 Neutral | ¥774.06B | 10.93 | 7.97% | 3.48% | 6.28% | -7.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥180.94B | 9.94 | ― | 4.42% | 2.57% | -28.03% | |
61 Neutral | ¥324.72B | 14.33 | 3.46% | 3.04% | 7.13% | 34.82% | |
61 Neutral | ¥535.43B | 21.83 | 11.30% | 3.66% | 7.88% | 15.78% |
* Financial Sector Average
JP:8572
ACOM Co
494.10
91.66
22.78%
JP:8570
AEON Financial Service Co
1,504.50
258.97
20.79%
JP:8253
Credit Saison Co
4,310.00
933.56
27.65%
JP:8252
Marui Group Co
2,983.00
201.31
7.24%
JP:8584
Jaccs Co., Ltd.
4,055.00
373.01
10.13%
ACOM Co Corporate Events
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.