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ACOM Co
(8572)
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Rating:68Neutral
Price Target:
¥527.00
▲(2.17% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by mixed financial quality: strong profitability and revenue growth are offset by the weakest area—volatile and recently recovering cash flow—and meaningful leverage. Valuation is a clear positive, supported by a moderate P/E and a high dividend yield. Technicals are mildly constructive but largely neutral in momentum, providing limited additional support.
Positive Factors
Steady Revenue Growth
Sustained revenue expansion indicates continuing demand and business scale. Although growth is moderate, the multi-year trend supports a durable operating base and gives the company a foundation for maintaining profitability over the next several months.
Negative Factors
Meaningful Leverage
The company relies materially on borrowings, increasing sensitivity to credit conditions, funding costs, and any deterioration in earnings. Elevated leverage can restrict financial flexibility and amplify downside if profitability weakens.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady Revenue Growth
Sustained revenue expansion indicates continuing demand and business scale. Although growth is moderate, the multi-year trend supports a durable operating base and gives the company a foundation for maintaining profitability over the next several months.
Read all positive factors
ACOM Co (8572) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥751.66B
Dividend Yield4.58%
Average Volume (3M)2.05M
Price to Earnings (P/E)11.6
Beta (1Y)0.72
Revenue Growth6.57%
EPS Growth22.90%
CountryJP
Employees5,626
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)41.27
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)43.09
Revenue Forecast (FY)¥356.60B
ACOM Co Business Overview & Revenue Model
Company Description
Acom Co., Ltd. is a prominent financial institution delivering loan, credit card, and loan guarantee services across Japan and on an international scale. Its operations are structured across several divisions: Loan and Credit Card Business, Guaran...
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 | 344.09B | 337.71B | 317.74B | 294.73B | 273.79B | 262.15B |
| Gross Profit | 297.37B | 298.52B | 279.99B | 260.12B | 241.00B | 230.25B |
| EBITDA | 105.70B | 111.24B | 67.76B | 94.94B | 92.43B | 41.79B |
| Net Income | 64.66B | 79.64B | 32.13B | 53.09B | 54.93B | 55.68B |
Balance Sheet | ||||||
| Total Assets | 1.60T | 1.62T | 1.49T | 1.42T | 1.30T | 1.26T |
| Cash, Cash Equivalents and Short-Term Investments | 48.83B | 80.40B | 60.27B | 73.49B | 57.67B | 74.24B |
| Total Debt | 743.17B | 733.17B | 688.21B | 664.75B | 581.17B | 570.59B |
| Total Liabilities | 824.72B | 833.92B | 777.37B | 743.23B | 677.48B | 699.34B |
| Stockholders Equity | 715.80B | 719.02B | 653.56B | 628.01B | 581.09B | 531.88B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 11.37B | -487.00M | -41.39B | -6.00B | 41.61B |
| Operating Cash Flow | 0.00 | 12.10B | 876.00M | -36.76B | -1.32B | 46.09B |
| Investing Cash Flow | 0.00 | -4.91B | -6.48B | -6.18B | -2.69B | -4.03B |
| Financing Cash Flow | 0.00 | 13.11B | -6.41B | 57.16B | -12.93B | -50.16B |
ACOM Co Technical Analysis
Positive
515.80
Price Trends
470.80
Positive
472.39
Positive
473.31
Positive
Market Momentum
1.56
Positive
50.69
Neutral
60.96
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 483.67, above the 50-day MA of 470.80, and above the 200-day MA of 473.31, indicating a neutral trend. The MACD of 1.56 indicates Positive momentum. The RSI at 50.69 is Neutral, neither overbought nor oversold. The STOCH value of 60.96 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | ¥751.66B | 11.61 | 11.50% | 3.48% | 6.57% | 22.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥348.46B | 13.71 | 5.51% | 3.35% | 8.42% | 44.38% | |
64 Neutral | ¥682.19B | 9.73 | 8.64% | 2.83% | 10.50% | 8.52% | |
62 Neutral | ¥528.52B | 17.86 | 11.68% | 4.38% | 7.53% | 6.62% | |
60 Neutral | ¥167.33B | 10.35 | ― | 4.42% | 1.92% | -26.04% |
* Financial Sector Average
JP:8572
ACOM Co
480.40
31.36
6.98%
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ACOM Co Corporate Events
ACOM Co. Posts Revenue Growth but Profit Declines in Q1 FY2027
Jul 29, 2026
ACOM Co., Ltd., a Tokyo Standard-listed consumer finance firm, reported steady top-line growth in the first quarter of the fiscal year ending March 2027. Operating revenues rose 7.7% year on year to ¥88.7 billion, supported by stable lending ...
ACOM Posts Strong Revenue but Profit Drop in Q1, Keeps Full-Year Outlook and Dividend Plan
Jul 29, 2026
ACOM reported consolidated operating revenue of 88.7 billion yen for the first quarter of the fiscal year ending March 2027, up 7.7% year-on-year, with operating and ordinary profit also rising modestly. However, profit attributable to owners of p...
ACOM Reaffirms Role Under MUFG While Stressing Operational Independence
Jun 16, 2026
ACOM detailed its position within Mitsubishi UFJ Financial Group’s corporate structure, confirming MUFG as its parent with 40.18% of voting rights and reiterating its role as the group’s core company in the consumer finance business. T...
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.