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Acom

OTCPK:ACMU.Y
Snowflake Description

Adequate balance sheet and slightly overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
ACMU.Y
OTCPK
¥594B
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

Acom Co., Ltd. engages in the loan and credit card business in Japan and internationally. The last earnings update was 40 days ago. More info.


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ACMU.Y Share Price and Events
7 Day Returns
0%
OTCPK:ACMU.Y
1.5%
US Consumer Finance
2.2%
US Market
1 Year Returns
-15.4%
OTCPK:ACMU.Y
8.7%
US Consumer Finance
3.8%
US Market
ACMU.Y Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Acom (ACMU.Y) 0% 0% - -15.4% -26.1% -16.3%
US Consumer Finance 1.5% 2.4% 11.5% 8.7% 75.6% 27.9%
US Market 2.2% 4.2% 4.4% 3.8% 43% 40.9%
1 Year Return vs Industry and Market
  • ACMU.Y underperformed the Consumer Finance industry which returned 8.7% over the past year.
  • ACMU.Y underperformed the Market in United States of America which returned 3.8% over the past year.
Price Volatility
ACMU.Y
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Acom's competitors could be found in our database.

ACMU.Y Value

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

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Acom to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Acom.

OTCPK:ACMU.Y Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 6 analysts.
= Stable Book Value * Return on Equity
= ¥317.24 * 15.8%
¥50.01
Book Value of Equity per Share Weighted future Book Value estimates from 6 analysts. ¥317.24
Discount Rate (Cost of Equity) See below 9.8%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:ACMU.Y
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.7
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.696 (1 + (1- 30.86%) (122.37%))
1.191
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.19
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.191 * 5.96%)
9.83%

Discounted Cash Flow Calculation for OTCPK:ACMU.Y using Excess Returns Model Model

The calculations below outline how an intrinsic value for Acom is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

OTCPK:ACMU.Y Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (15.8% – 9.83%) * ¥317.24)
¥18.83
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= ¥18.83 / (9.83% - 2.73%)
¥265.19
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= ¥317.24 + ¥265.19
¥582.43
OTCPK:ACMU.Y Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in OTCPK:ACMU.Y represents 0.02243x of TSE:8572
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.02243x
Value per Share
(Listing Adjusted, USD)
= Value per Share (JPY) x Listing Adjustment Factor
= ¥ 582.43 x 0.02243
$13.06
Value per share (USD) From above. $13.06
Current discount Discount to share price of $8.50
= -1 x ($8.50 - $13.06) / $13.06
34.9%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Acom is available for.
Intrinsic value
35%
Share price is $8.5 vs Future cash flow value of $13.06
Current Discount Checks
For Acom to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • 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 RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Acom's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Acom's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:ACMU.Y PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in JPY ¥24.12
TSE:8572 Share Price ** TSE (2019-03-26) in JPY ¥379
United States of America Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 9.37x
United States of America Market PE Ratio Median Figure of 3,094 Publicly-Listed Companies 17.87x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Acom.

OTCPK:ACMU.Y PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= TSE:8572 Share Price ÷ EPS (both in JPY)

= 379 ÷ 24.12

15.72x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Acom is overvalued 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
Does Acom's expected growth come at a high price?
Raw Data
OTCPK:ACMU.Y PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 15.72x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 6 Analysts
9.9%per year
United States of America Consumer Finance Industry PEG Ratio Median Figure of 24 Publicly-Listed Consumer Finance Companies 0.65x
United States of America Market PEG Ratio Median Figure of 2,134 Publicly-Listed Companies 1.54x

*Line of best fit is calculated by linear regression .

OTCPK:ACMU.Y PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 15.72x ÷ 9.9%

1.58x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Acom is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Acom's assets?
Raw Data
OTCPK:ACMU.Y PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in JPY ¥227.35
TSE:8572 Share Price * TSE (2019-03-26) in JPY ¥379
United States of America Consumer Finance Industry PB Ratio Median Figure of 40 Publicly-Listed Consumer Finance Companies 1.35x
United States of America Market PB Ratio Median Figure of 5,255 Publicly-Listed Companies 1.81x
OTCPK:ACMU.Y PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= TSE:8572 Share Price ÷ Book Value per Share (both in JPY)

= 379 ÷ 227.35

1.67x

* Primary Listing of Acom.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Acom is overvalued based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess Acom's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Acom has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

ACMU.Y Future Performance

 How is Acom expected to perform in the next 1 to 3 years based on estimates from 6 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
9.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Acom expected to grow at an attractive rate?
  • Acom's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Acom's earnings growth is positive but not above the United States of America market average.
  • Acom's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
OTCPK:ACMU.Y Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:ACMU.Y Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 6 Analysts 9.9%
OTCPK:ACMU.Y Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 6 Analysts 1.9%
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 5.3%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 7.7%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:ACMU.Y Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below
All numbers in JPY Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:ACMU.Y Future Estimates Data
Date (Data in JPY Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-03-31 301,085 67,332 2
2022-03-31 289,308 24,300 67,338 3
2021-03-31 282,888 15,300 71,869 4
2020-03-31 278,483 14,400 75,173 5
OTCPK:ACMU.Y Past Financials Data
Date (Data in JPY Millions) Revenue Cash Flow Net Income *
2019-03-31 277,069 7,329 37,781
2018-12-31 274,435 74,375
2018-09-30 271,790 -7,232 75,969
2018-06-30 268,045 73,184
2018-03-31 263,453 -32,634 70,572
2017-12-31 258,583 -57,793
2017-09-30 253,111 -36,886 -73,672
2017-06-30 248,727 -73,045
2017-03-31 245,148 -37,451 -72,187
2016-12-31 242,275 18,689
2016-09-30 240,299 -45,045 16,711
2016-06-30 238,901 14,871

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Acom's earnings are expected to grow by 9.9% yearly, however this is not considered high growth (20% yearly).
  • Acom's revenue is expected to grow by 1.9% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:ACMU.Y Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below

All data from Acom Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:ACMU.Y Future Estimates Data
Date (Data in JPY Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-03-31 43.01 44.00 42.01 2.00
2022-03-31 42.98 47.77 37.35 4.00
2021-03-31 45.89 47.32 42.60 6.00
2020-03-31 48.00 52.24 42.50 6.00
OTCPK:ACMU.Y Past Financials Data
Date (Data in JPY Millions) EPS *
2019-03-31 24.12
2018-12-31 47.47
2018-09-30 48.49
2018-06-30 46.71
2018-03-31 45.05
2017-12-31 -36.89
2017-09-30 -47.03
2017-06-30 -46.63
2017-03-31 -46.08
2016-12-31 11.93
2016-09-30 10.67
2016-06-30 9.49

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Acom is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Acom's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Acom has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

ACMU.Y Past Performance

  How has Acom performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Acom's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Acom's year on year earnings growth rate has been positive over the past 5 years.
  • Acom's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Acom's 1-year earnings growth is negative, it can't be compared to the US Consumer Finance industry average.
Earnings and Revenue History
Acom's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Acom Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:ACMU.Y Past Revenue, Cash Flow and Net Income Data
Date (Data in JPY Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 277,069.00 37,781.00 151,293.00
2018-12-31 274,435.00 74,375.00 151,212.00 31.00
2018-09-30 271,790.00 75,969.00 151,433.00 31.00
2018-06-30 268,045.00 73,184.00 151,877.00 31.00
2018-03-31 263,453.00 70,572.00 152,078.00 31.00
2017-12-31 258,583.00 -57,793.00 138,385.00
2017-09-30 253,111.00 -73,672.00 150,011.00
2017-06-30 248,727.00 -73,045.00 146,055.00
2017-03-31 245,148.00 -72,187.00 141,341.00
2016-12-31 242,275.00 18,689.00 137,817.00
2016-09-30 240,299.00 16,711.00 136,034.00
2016-06-30 238,901.00 14,871.00 135,052.00
2016-03-31 237,683.00 14,598.00 132,652.00
2015-12-31 234,672.00 13,444.00 135,386.00
2015-09-30 230,958.00 18,588.00 127,010.00
2015-06-30 225,296.00 15,811.00 124,348.00
2015-03-31 219,289.00 12,864.00 121,489.00
2014-12-31 213,813.00 2,281.00 116,555.00
2014-09-30 209,237.00 10,041.00 104,084.00
2014-06-30 205,702.00 10,458.00 99,513.00
2014-03-31 202,240.00 10,632.00 94,896.00
2013-12-31 198,377.00 18,817.00 91,494.00
2013-09-30 194,909.00 22,277.00 84,778.00
2013-06-30 192,735.00 17,764.00 86,400.00
2013-03-31 193,028.00 20,839.00 84,619.00
2012-12-31 195,832.00 24,683.00 86,360.00
2012-09-30 200,274.00 20,316.00 92,323.00
2012-06-30 205,836.00 22,674.00 94,171.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Acom has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Acom used its assets less efficiently than the US Consumer Finance industry average last year based on Return on Assets.
  • Acom has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Acom's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Acom has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

ACMU.Y Health

 How is Acom's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Acom's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • 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.
Balance sheet
This treemap shows a more detailed breakdown of Acom's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.7x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Acom Company Filings, last reported 2 months ago.

OTCPK:ACMU.Y Past Debt and Equity Data
Date (Data in JPY Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 381,501.00 726,559.00 86,025.00
2018-12-31 402,254.00 732,460.00 88,301.00
2018-09-30 381,257.00 739,112.00 100,594.00
2018-06-30 360,743.00 720,649.00 77,137.00
2018-03-31 344,436.00 736,239.00 92,788.00
2017-12-31 325,374.00 713,650.00 82,557.00
2017-09-30 303,332.00 701,516.00 78,672.00
2017-06-30 283,797.00 683,102.00 70,965.00
2017-03-31 267,224.00 706,484.00 105,199.00
2016-12-31 372,943.00 659,014.00 75,871.00
2016-09-30 369,022.00 655,262.00 80,973.00
2016-06-30 353,508.00 640,231.00 68,747.00
2016-03-31 338,131.00 649,526.00 88,051.00
2015-12-31 358,712.00 647,039.00 105,114.00
2015-09-30 362,347.00 668,727.00 128,965.00
2015-06-30 345,357.00 645,505.00 114,144.00
2015-03-31 328,313.00 648,113.00 127,835.00
2014-12-31 344,609.00 615,487.00 118,694.00
2014-09-30 333,798.00 648,560.00 153,406.00
2014-06-30 320,332.00 586,003.00 109,984.00
2014-03-31 306,726.00 621,143.00 144,298.00
2013-12-31 333,796.00 544,366.00 95,727.00
2013-09-30 320,613.00 620,945.00 147,169.00
2013-06-30 305,334.00 561,400.00 118,955.00
2013-03-31 286,710.00 633,592.00 160,376.00
2012-12-31 308,966.00 581,796.00 121,969.00
2012-09-30 289,606.00 638,293.00 185,830.00
2012-06-30 280,578.00 636,209.00 168,097.00
  • Acom's level of debt (190.4%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (202.3% vs 190.4% today).
  • Debt is not well covered by operating cash flow (1%, less than 20% of total debt).
  • Acom earns more interest than it pays, coverage of interest payments is not a concern.
X
Financial health checks
We assess Acom's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Acom has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

ACMU.Y Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0.53%
Current annual income from Acom dividends. Estimated to be 1.52% next year.
If you bought $2,000 of Acom shares you are expected to receive $11 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Acom's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
  • Acom's dividend is below the markets top 25% of dividend payers in United States of America (3.73%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:ACMU.Y Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 1.7%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2012 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:ACMU.Y Future Dividends Estimate Data
Date (Data in ¥) Dividend per Share (annual) Avg. No. Analysts
2023-03-31 11.50 2.00
2022-03-31 7.00 4.00
2021-03-31 5.00 6.00
2020-03-31 3.83 6.00
OTCPK:ACMU.Y Past Annualized Dividends Data
Date (Data in ¥) Dividend per share (annual) Avg. Yield (%)
2019-02-14 2.000 0.524
2019-01-31 2.000 0.535
2018-11-14 2.000 0.513
2018-11-01 2.000 0.465
2018-06-22 2.000 0.463
2018-05-10 2.000 0.436
2012-02-13 0.000 0.000
2012-02-01 0.000 0.000
2011-11-14 0.000 0.000
2011-11-10 0.000 0.000
2011-08-12 0.000 0.000
2011-07-28 0.000 0.000
2011-05-12 0.000 0.000
2011-02-14 0.000 0.000
2011-02-02 0.000 0.000
2010-11-12 0.000 0.000
2010-11-09 0.000 0.000
2010-06-23 1.000 0.823
2010-05-13 1.000 0.838
2010-02-12 1.000 0.705
2010-02-02 1.000 0.660
2009-11-13 1.000 0.734
2009-11-05 1.000 0.719
2009-08-06 6.000 3.784
2009-07-30 6.000 2.943
2009-06-25 4.000 1.874

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • 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
What portion of Acom's earnings are paid to the shareholders as a dividend.
  • 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.
X
Income/ dividend checks
We assess Acom's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Acom afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Acom has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

ACMU.Y Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Shigeyoshi Kinoshita
AGE 69
TENURE AS CEO 16 years
CEO Bio

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. Kinoshita joined Marubeni Corporation. In April 1978, Mr. Kinoshita joined Japan Consumer Finance Co., Ltd. In December 1980, he joined Acom Co., Ltd. Since February 1983, he served as Director and Chief General Manager of General Affairs Dept. of Acom Co., Ltd. Since May 1984, he served as Director and Chief General Manager of Accounting Dept. at Acom Co., Ltd. Since August 1986, he served as Managing Director of Acom Co., Ltd. Since June 1988, he served as Managing Director and Head of Business Promotion Division at Acom Co., Ltd. Since October 1991, he served as a Representative Director and Senior Managing Director of Acom Co., Ltd. Since October 1992, he served as Representative Director and Senior Managing Director and Head of the Loan Sales Division of Acom Co., Ltd. Since October 1996, he served as Representative Director and Deputy President of Acom Co., Ltd. Mr. Kinoshita served as the Chairman and Director of EASY BUY Public Company Limited. He has been a Director of Acom Co., Ltd. since June 2010.

CEO Compensation
  • Insufficient data for Shigeyoshi to compare compensation growth.
  • Insufficient data for Shigeyoshi to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Acom management team in years:

8.2
Average Tenure
63
Average Age
  • The average tenure for the Acom management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Shigeyoshi Kinoshita

TITLE
Chairman
AGE
69
TENURE
16 yrs

Kaoru Wachi

TITLE
Deputy Chairman and Executive Officer of Compliance & Internal Audit Departments
AGE
63

Tomohiro Nakazawa

TITLE
Chief GM of System Operation Office
TENURE
1.2 yrs

Takashi Okamoto

TITLE
Chief PR & IR Officer

Masashi Yoshiba

TITLE
Executive Officer & Chief GM of Compliance Dept.

Teruyuki Sagehashi

TITLE
Senior MD
AGE
63
TENURE
11.2 yrs

Takashi Kiribuchi

TITLE
Executive Officer & Chief GM of Corporate Planning Dept.
TENURE
8.2 yrs

Noriyoshi Watanabe

TITLE
MD, Executive Managing Officer & Director
AGE
61
TENURE
8.2 yrs

Tomomi Uchida

TITLE
Executive Managing Officer
AGE
57
TENURE
8.2 yrs

Yasuhiro Kamura

TITLE
Executive Managing Officer & Head of Credit Business Promotion Division
TENURE
8.2 yrs
Board of Directors Tenure

Average tenure and age of the Acom board of directors in years:

2
Average Tenure
62
Average Age
  • The average tenure for the Acom board of directors is less than 3 years, this suggests a new board.
Board of Directors

Shigeyoshi Kinoshita

TITLE
Chairman
AGE
69
TENURE
9 yrs

Kaoru Wachi

TITLE
Deputy Chairman and Executive Officer of Compliance & Internal Audit Departments
AGE
63
TENURE
2 yrs

Teruyuki Sagehashi

TITLE
Senior MD
AGE
63

Noriyoshi Watanabe

TITLE
MD, Executive Managing Officer & Director
AGE
61
TENURE
2 yrs

Masataka Kinoshita

TITLE
Deputy President
AGE
41

Kazuo Fukumoto

TITLE
Full-time Audit & Supervisory Committee Member and Director
AGE
60
TENURE
2 yrs

Takashi Doi

TITLE
Audit & Supervisory Committee Member and Outside Director
AGE
63
TENURE
2 yrs

Tatsuya Ito

TITLE
Full-time Audit & Supervisory Committee Member and Outside Director
AGE
60
TENURE
2 yrs

Osamu Takada

TITLE
Audit & Supervisory Committee Member and Outside Director
AGE
68
TENURE
2 yrs

Naoki Hori

TITLE
Director
AGE
57
TENURE
1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Acom's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Acom has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

ACMU.Y News

Simply Wall St News

ACMU.Y Company Info

Description

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 Business, and Loan Servicing Business. It provides unsecured and secured loans; credit cards; guarantees; and loan servicing covering purchased receivables. Acom Co., Ltd. also offers installment sales financing; banking; and contact center contracting and temporary personnel services. The company was founded in 1936 and is headquartered in Tokyo, Japan.

Details
Name: Acom Co., Ltd.
ACMU.Y
Exchange: OTCPK
Founded: 1936
¥5,517,580,010
1,566,614,208
Website: http://www.acom.co.jp
Address: Acom Co., Ltd.
Meiji Yasuda Seimei Building,
1-1, Marunouchi 2-chome,
Tokyo,
100-8307,
Japan
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
TSE 8572 Common Stock The Tokyo Stock Exchange JP JPY 12. Oct 1993
OTCPK ACJJ.F Common Stock Pink Sheets LLC US USD 12. Oct 1993
DB AK5 Common Stock Deutsche Boerse AG DE EUR 12. Oct 1993
OTCPK ACMU.Y SPONSORED ADR Pink Sheets LLC US USD 22. Aug 2005
Number of employees
Current staff
Staff numbers
6,202
Acom employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/23 23:56
End of day share price update: 2019/03/26 00:00
Last estimates confirmation: 2019/06/20
Last earnings filing: 2019/05/14
Last earnings reported: 2019/03/31
Last annual earnings reported: 2019/03/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.