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Market Cap

JP¥803.7b

Last Updated

2021/04/11 08:13 UTC

Data Sources

Company Financials +

Executive Summary

Acom Co., Ltd. engages in the loan and credit card business in Japan and internationally. More Details


Snowflake Analysis

Solid track record with adequate balance sheet.

Share Price & News

How has Acom's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 8572 is not significantly more volatile than the rest of JP stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: 8572's weekly volatility (4%) has been stable over the past year.


Market Performance


7 Day Return

1.8%

8572

-1.2%

JP Consumer Finance

-0.5%

JP Market


1 Year Return

13.5%

8572

27.5%

JP Consumer Finance

37.5%

JP Market

Return vs Industry: 8572 underperformed the JP Consumer Finance industry which returned 31.6% over the past year.

Return vs Market: 8572 underperformed the JP Market which returned 39.2% over the past year.


Shareholder returns

8572IndustryMarket
7 Day1.8%-1.2%-0.5%
30 Day1.0%-0.2%1.8%
90 Day12.0%15.9%5.2%
1 Year14.9%13.5%30.0%27.5%40.5%37.5%
3 Year7.4%4.7%-5.3%-11.0%21.1%12.7%
5 Year-10.0%-12.5%-14.0%-21.0%59.5%41.9%

Long-Term Price Volatility Vs. Market

How volatile is Acom's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Acom undervalued compared to its fair value and its price relative to the market?

1.6%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: 8572 (¥513) is trading below our estimate of fair value (¥522.24)

Significantly Below Fair Value: 8572 is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: 8572 is good value based on its PE Ratio (13.2x) compared to the JP Consumer Finance industry average (13.8x).

PE vs Market: 8572 is good value based on its PE Ratio (13.2x) compared to the JP market (18.1x).


Price to Earnings Growth Ratio

PEG Ratio: 8572's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


Price to Book Ratio

PB vs Industry: 8572 is overvalued based on its PB Ratio (1.7x) compared to the JP Consumer Finance industry average (1.1x).


Future Growth

How is Acom forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

-4.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 8572's earnings are forecast to decline over the next 3 years (-4.2% per year).

Earnings vs Market: 8572's earnings are forecast to decline over the next 3 years (-4.2% per year).

High Growth Earnings: 8572's earnings are forecast to decline over the next 3 years.

Revenue vs Market: 8572's revenue (0.8% per year) is forecast to grow slower than the JP market (5.7% per year).

High Growth Revenue: 8572's revenue (0.8% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 8572's Return on Equity is forecast to be low in 3 years time (12%).


Past Performance

How has Acom performed over the past 5 years?

34.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 8572 has high quality earnings.

Growing Profit Margin: 8572's current net profit margins (22.5%) are higher than last year (16.1%).


Past Earnings Growth Analysis

Earnings Trend: 8572's earnings have grown significantly by 34.1% per year over the past 5 years.

Accelerating Growth: 8572's earnings growth over the past year (36.3%) exceeds its 5-year average (34.1% per year).

Earnings vs Industry: 8572 earnings growth over the past year (36.3%) exceeded the Consumer Finance industry -14.6%.


Return on Equity

High ROE: 8572's Return on Equity (13.4%) is considered low.


Financial Health

How is Acom's financial position?


Financial Position Analysis

Short Term Liabilities: 8572's short term assets (¥1,140.9B) exceed its short term liabilities (¥167.2B).

Long Term Liabilities: 8572's short term assets (¥1,140.9B) exceed its long term liabilities (¥541.6B).


Debt to Equity History and Analysis

Debt Level: 8572's debt to equity ratio (123.3%) is considered high.

Reducing Debt: 8572's debt to equity ratio has reduced from 180.3% to 123.3% over the past 5 years.

Debt Coverage: 8572's debt is not well covered by operating cash flow (16%).

Interest Coverage: 8572 earns more interest than it pays, so coverage of interest payments is not a concern.


Balance Sheet


Dividend

What is Acom current dividend yield, its reliability and sustainability?

1.17%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 8572's dividend (1.17%) isn’t notable compared to the bottom 25% of dividend payers in the JP market (1.2%).

High Dividend: 8572's dividend (1.17%) is low compared to the top 25% of dividend payers in the JP market (2.78%).


Stability and Growth of Payments

Stable Dividend: 8572's dividend payments have been volatile in the past 10 years.

Growing Dividend: 8572's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (12.8%), 8572's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

10.0yrs

Average management tenure


CEO

Shigeyoshi Kinoshita (71 yo)

17.83yrs

Tenure

Mr. Shigeyoshi Kinoshita has been the Chairman and President of Acom Co., Ltd. since June 2010 and June 2000 respectively and serves as its Chief Executive Officer. In April 1973, Mr. Kinoshita joined Maru...


Leadership Team

Experienced Management: 8572's management team is seasoned and experienced (10 years average tenure).


Board Members

Experienced Board: 8572's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Acom Co., Ltd.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Acom Co., Ltd.
  • Ticker: 8572
  • Exchange: TSE
  • Founded: 1936
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: JP¥803.673b
  • Shares outstanding: 1.57b
  • Website: https://www.acom.co.jp

Number of Employees


Location

  • Acom Co., Ltd.
  • 1-1, Marunouchi 2-chome
  • Chiyoda-ku
  • Tokyo
  • 100-8307
  • Japan

Listings


Biography

Acom Co., Ltd. engages in the loan and credit card business in Japan and internationally. The company operates through Loan and Credit Card Business, Guarantee Business, Overseas Financial Business, Loan S...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/04/11 08:13
End of Day Share Price2021/04/09 00:00
Earnings2020/12/31
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.