Axactor SE, through its subsidiaries, operates as a debt management company in Sweden, Finland, Germany, Italy, Norway, and Spain.
Price History & Performance
|Historical stock prices|
|Current Share Price||kr9.28|
|52 Week High||kr7.00|
|52 Week Low||kr11.66|
|1 Month Change||-4.13%|
|3 Month Change||-12.25%|
|1 Year Change||24.00%|
|3 Year Change||-62.79%|
|5 Year Change||-62.75%|
|Change since IPO||-99.86%|
Recent News & Updates
|ACR||NO Consumer Finance||NO Market|
Return vs Industry: ACR matched the Norwegian Consumer Finance industry which returned 24.3% over the past year.
Return vs Market: ACR underperformed the Norwegian Market which returned 25.9% over the past year.
Stable Share Price: ACR is not significantly more volatile than the rest of Norwegian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: ACR's weekly volatility (5%) has been stable over the past year.
About the Company
Axactor SE, through its subsidiaries, operates as a debt management company in Sweden, Finland, Germany, Italy, Norway, and Spain. The company operates through three segments: Non-performing Loans, Real estate Owned, and Third-Party Collection. It offers debt collection services, including amicable and legal collection; debt purchase, and acquisition and collection of non-performing loan portfolios; and accounts receivable management for third parties, as well as invests in real estate assets held for sale.
Axactor Fundamentals Summary
|ACR fundamental statistics|
Is ACR overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ACR income statement (TTM)|
|Cost of Revenue||€94.64m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
Oct 27, 2021
|Earnings per share (EPS)||0.03|
|Net Profit Margin||3.73%|
How did ACR perform over the long term?See historical performance and comparison
Is Axactor undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ACR (NOK9.28) is trading below our estimate of fair value (NOK21.68)
Significantly Below Fair Value: ACR is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ACR is poor value based on its PE Ratio (30.6x) compared to the European Consumer Finance industry average (14.2x).
PE vs Market: ACR is poor value based on its PE Ratio (30.6x) compared to the Norwegian market (13.3x).
Price to Earnings Growth Ratio
PEG Ratio: ACR is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: ACR is good value based on its PB Ratio (0.7x) compared to the XE Consumer Finance industry average (1.4x).
How is Axactor forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACR's forecast earnings growth (64.9% per year) is above the savings rate (1.2%).
Earnings vs Market: ACR's earnings (64.9% per year) are forecast to grow faster than the Norwegian market (10.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ACR's revenue (9.6% per year) is forecast to grow faster than the Norwegian market (5.8% per year).
High Growth Revenue: ACR's revenue (9.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ACR's Return on Equity is forecast to be low in 3 years time (12.5%).
How has Axactor performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ACR has high quality earnings.
Growing Profit Margin: ACR became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: ACR has become profitable over the past 5 years, growing earnings by 10.4% per year.
Accelerating Growth: ACR has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: ACR has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-14.9%).
Return on Equity
High ROE: ACR's Return on Equity (1.8%) is considered low.
How is Axactor's financial position?
Financial Position Analysis
Short Term Liabilities: ACR's short term assets (€121.2M) do not cover its short term liabilities (€179.8M).
Long Term Liabilities: ACR's short term assets (€121.2M) do not cover its long term liabilities (€705.7M).
Debt to Equity History and Analysis
Debt Level: ACR's debt to equity ratio (193.8%) is considered high.
Reducing Debt: ACR's debt to equity ratio has increased from 34.4% to 193.8% over the past 5 years.
Debt Coverage: ACR's debt is not well covered by operating cash flow (16.3%).
Interest Coverage: ACR's interest payments on its debt are not well covered by EBIT (1.3x coverage).
What is Axactor current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ACR's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ACR's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ACR's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ACR's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ACR's dividend in 3 years as they are not forecast to pay a notable one for the Norwegian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Johnny Tsolis Vasili serves as Chief Executive Officer of Axactor SE since June 26, 2020 and served as its Interim Chief Executive Officer since April 3, 2020 until June 26, 2020 and served as Chief Fi...
CEO Compensation Analysis
Compensation vs Market: Johnny's total compensation ($USD614.95K) is about average for companies of similar size in the Norwegian market ($USD621.72K).
Compensation vs Earnings: Johnny's compensation has been consistent with company performance over the past year.
Experienced Management: ACR's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.
Experienced Board: ACR's board of directors are not considered experienced ( 1.4 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: ACR insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 63%.
Axactor SE's employee growth, exchange listings and data sources
- Name: Axactor SE
- Ticker: ACR
- Exchange: OB
- Founded: 2015
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: kr2.802b
- Shares outstanding: 302.15m
- Website: https://www.axactor.com
Number of Employees
- Axactor SE
- Drammensveien 167
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/24 22:56|
|End of Day Share Price||2021/09/24 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.