OTCPK:ACJJ.F

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Fair value with acceptable track record.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:ACJJ.F

-4.2%

US Consumer Finance

-1.6%

US Market


1 Year Return

n/a

OTCPK:ACJJ.F

-1.0%

US Consumer Finance

-3.0%

US Market

No trading data on ACJJ.F.

No trading data on ACJJ.F.


Share holder returns

ACJJ.FIndustryMarket
7 Day0%-4.2%-1.6%
30 Day0%-9.9%-5.7%
90 Dayn/a-4.1%0.2%
1 Yearn/a0.6%-1.0%-0.8%-3.0%
3 Yearn/a55.6%48.3%38.1%29.1%
5 Yearn/a33.8%24.2%50.8%34.1%

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 based on future cash flows and its price relative to the stock market?

35%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Acom's share price is below the future cash flow value, and at a moderate discount (> 20%).

Acom's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Acom is good value based on earnings compared to the US Consumer Finance industry average.

Acom is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Acom earnings are not expected to grow next year, we can't assess if its growth is good value.


Price Based on Value of Assets

Acom is overvalued based on assets compared to the US Consumer Finance industry average.


Next Steps

Future Growth

How is Acom expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

-1.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Acom's revenue is expected to grow by 2.9% yearly, however this is not considered high growth (20% yearly).

Acom's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Acom's revenue growth is positive but not above the United States of America market average.

Acom's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Acom's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Acom is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Acom performed over the past 5 years?

9.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Acom's year on year earnings growth rate has been positive over the past 5 years.

Acom has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.

Acom has become profitable in the last year making it difficult to compare the US Consumer Finance industry average.


Return on Equity

Acom has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Acom used its assets more efficiently than the US Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Acom has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is Acom's financial position?


Financial Position Analysis

Acom is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Acom's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Acom's level of debt (182.1%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has increased over the past 5 years (163.5% vs 182.1% today).

Operating cash flow is negative therefore debt is not well covered.

Acom earns more interest than it pays, coverage of interest payments is not a concern.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 1.7x debt.


Next Steps

Dividend

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

1.18%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Acom's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.4%).

Acom's dividend is below the markets top 25% of dividend payers in United States of America (3.59%).

Acom is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Acom is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Acom's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Acom's salary, the management and board of directors tenure and is there insider trading?

7.9yrs

Average management tenure


CEO

Shigeyoshi Kinoshita (69yo)

15.8yrs

Tenure

0

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


Management Age and Tenure

7.9yrs

Average Tenure

62yo

Average Age

The average tenure for the Acom management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

1.8yrs

Average Tenure

62yo

Average Age

The average tenure for the Acom board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Shigeyoshi Kinoshita (69yo)

    Chairman

    • Tenure: 15.8yrs
  • Teruyuki Sagehashi (63yo)

    Senior MD

    • Tenure: 0.0yrs
  • Takashi Kiribuchi

    Executive Officer & Chief GM of Corporate Planning Dept.

    • Tenure: 7.9yrs
  • Noriyoshi Watanabe (61yo)

    MD, Executive Managing Officer & Director

    • Tenure: 1.8yrs
  • Tomomi Uchida

    Executive Managing Officer

    • Tenure: 7.9yrs
  • Yasuhiro Kamura

    Exe Managing Officer

    • Tenure: 7.9yrs
  • Masataka Kinoshita (41yo)

    Deputy President

    • Tenure: 0.0yrs
  • Michihito Onodera

    Executive Officer & Chief GM of Guarantee Business Dept.

    • Tenure: 0.0yrs
  • Masashi Yoshiba

    Executive Officer & Chief GM of Compliance Dept.

    • Tenure: 0.0yrs
  • Tomohiro Nakazawa

    Chief GM of System Operation Office

    • Tenure: 0.9yrs

Board Members

  • Shigeyoshi Kinoshita (69yo)

    Chairman

    • Tenure: 15.8yrs
  • Kaoru Wachi (63yo)

    Deputy Chairman

    • Tenure: 1.8yrs
  • Kazuo Fukumoto (60yo)

    Full-time Audit & Supervisory Committee Member and Director

    • Tenure: 1.8yrs
  • Teruyuki Sagehashi (63yo)

    Senior MD

    • Tenure: 0.0yrs
  • Noriyoshi Watanabe (61yo)

    MD, Executive Managing Officer & Director

    • Tenure: 1.8yrs
  • Takashi Doi (63yo)

    Audit & Supervisory Committee Member and Outside Director

    • Tenure: 1.8yrs
  • Masataka Kinoshita (41yo)

    Deputy President

    • Tenure: 0.0yrs
  • Tatsuya Ito (60yo)

    Full-time Audit & Supervisory Committee Member and Outside Director

    • Tenure: 1.8yrs
  • Osamu Takada (68yo)

    Audit & Supervisory Committee Member and Outside Director

    • Tenure: 1.8yrs
  • Naoki Hori (57yo)

    Director

    • Tenure: 0.8yrs

Company Information

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


Key Information

  • Name: Acom Co., Ltd.
  • Ticker: ACJJ.F
  • Exchange: OTCPK
  • Founded: 1936
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: JP¥606.280b
  • Listing Market Cap: JP¥5.418b
  • Shares outstanding: 1.57b
  • Website: https://www.acom.co.jp

Number of Employees


Location

  • Acom Co., Ltd.
  • Meiji Yasuda Seimei Building
  • 1-1, Marunouchi 2-chome
  • Tokyo
  • 100-8307
  • Japan

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ACJJ.FOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 1993
AK5DB (Deutsche Boerse AG)YesCommon StockDEEUROct 1993
8572TSE (The Tokyo Stock Exchange)YesCommon StockJPJPYOct 1993
ACMU.YOTCPK (Pink Sheets LLC)SPONSORED ADRUSUSDAug 2005

Biography

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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/03/02 23:51
End of Day Share Price2018/12/03 00:00
Earnings2018/12/31
Annual Earnings2018/03/31


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.