Acom Co., Ltd. engages in the loan and credit card business in Japan and internationally. More Details
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.
7 Day Return
JP Consumer Finance
1 Year Return
JP Consumer Finance
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.
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
Is Acom undervalued compared to its fair value and its price relative to the market?
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).
How is Acom forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
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%).
How has Acom performed over the past 5 years?
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.
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.
What is Acom current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Shigeyoshi Kinoshita (71 yo)
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...
Experienced Management: 8572's management team is seasoned and experienced (10 years average tenure).
Experienced Board: 8572's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Acom Co., Ltd.'s company bio, employee growth, exchange listings and data sources
- 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
- Acom Co., Ltd.
- 1-1, Marunouchi 2-chome
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
|Data||Last Updated (UTC time)|
|Company Analysis||2021/04/11 08:13|
|End of Day Share Price||2021/04/09 00:00|
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.