Acom Valuation

Is ACJJ.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of ACJJ.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ACJJ.F ($2.39) is trading below our estimate of fair value ($2.73)

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


Key Valuation Metric

Which metric is best to use when looking at relative valuation for ACJJ.F?

Key metric: As ACJJ.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ACJJ.F. This is calculated by dividing ACJJ.F's market cap by their current earnings.
What is ACJJ.F's PE Ratio?
PE Ratio10.9x
EarningsJP¥55.66b
Market CapJP¥608.16b

Price to Earnings Ratio vs Peers

How does ACJJ.F's PE Ratio compare to its peers?

The above table shows the PE ratio for ACJJ.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average16.8x
NNI Nelnet
34.3xn/aUS$3.9b
BFH Bread Financial Holdings
9.9x13.0%US$3.1b
ENVA Enova International
15.3x23.9%US$2.8b
QFIN Qifu Technology
7.6x9.6%US$5.6b
10.9x13.2%US$608.2b

Price-To-Earnings vs Peers: ACJJ.F is good value based on its Price-To-Earnings Ratio (10.9x) compared to the peer average (16.8x).


Price to Earnings Ratio vs Industry

How does ACJJ.F's PE Ratio compare vs other companies in the US Consumer Finance Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
YRD Yiren Digital
1.7xn/aUS$410.33m
XYF X Financial
2xn/aUS$360.90m
No more companies available in this PE range
ACJJ.F 10.9xIndustry Avg. 12.5xNo. of Companies5PE0816243240+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ACJJ.F is good value based on its Price-To-Earnings Ratio (10.9x) compared to the US Consumer Finance industry average (12.5x).


Price to Earnings Ratio vs Fair Ratio

What is ACJJ.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ACJJ.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.9x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate ACJJ.F's Price-To-Earnings Fair Ratio for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ACJJ.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
US$2.66
0%
1.2%US$2.68US$2.61n/a3
Nov ’25n/a
US$2.81
0%
1.2%US$2.85US$2.78n/a3
Oct ’25n/a
US$2.81
0%
1.2%US$2.85US$2.78n/a3
Sep ’25n/a
US$2.78
0%
1.2%US$2.82US$2.75n/a3
Aug ’25US$2.50
US$2.63
+5.3%
1.2%US$2.67US$2.61n/a3
Jul ’25n/a
US$2.55
0%
1.2%US$2.60US$2.53n/a3
Jun ’25n/a
US$2.56
0%
1.2%US$2.61US$2.54n/a3
May ’25n/a
US$2.64
0%
2.0%US$2.70US$2.57n/a3
Apr ’25n/a
US$2.64
0%
2.0%US$2.70US$2.57n/a3
Mar ’25n/a
US$2.52
0%
4.7%US$2.64US$2.40n/a2
Feb ’25n/a
US$2.45
0%
3.4%US$2.54US$2.37n/a2
Jan ’25US$2.60
US$2.45
-5.7%
3.4%US$2.54US$2.37n/a2
Dec ’24n/a
US$2.45
0%
3.4%US$2.54US$2.37n/a2
Nov ’24n/a
US$2.45
0%
3.4%US$2.54US$2.37n/a2
May ’24n/a
US$2.59
0%
2.9%US$2.67US$2.52n/a2
Apr ’24n/a
US$2.59
0%
2.9%US$2.67US$2.52n/a2
Mar ’24n/a
US$2.59
0%
2.9%US$2.67US$2.52n/a2
Feb ’24n/a
US$2.64
0%
3.6%US$2.77US$2.54n/a3
Jan ’24US$2.29
US$2.55
+11.5%
4.3%US$2.73US$2.44US$2.604
Dec ’23n/a
US$2.55
0%
4.3%US$2.73US$2.44n/a4

Analyst Forecast: Target price is less than 20% higher than the current share price.


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