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Acom Co., Ltd. (8572.T)
JPY488.50
+4.50 (+0.93%)
JP JPX Financial Services Financial - Credit Services
Address
Meiji Yasuda Seimei Building 100-8307
Tokyo, JP
Tokyo, JP
CEO
Masataka Kinoshita
Website
acom.co.jp
IPO
2001-01-01
ISIN JP3108600002
Description
Acom Co., Ltd. is a prominent financial institution delivering loan, credit card, and loan guarantee services across Japan and on an international scale. Its operations are structured across several divisions: Loan and Credit Card Business, Guarantee Business, Overseas Financial Business, and Loan Servicing Business. Furthermore, it extends various financial solutions such as installment and unsecured loans, general money lending, and embedded finance services. Established in 1936, Acom Co., Ltd. maintains its headquarters in Tokyo, Japan.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
JPY488.50
+4.50 (+0.93%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.39
Float Shares
329.04M
Free Float %
21.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -6.87% | -7.30% | -2.71% | -10.66% | -0.24% | -8.16% | +8.94% | +38.93% | -1.15% | -26.97% | -45.94% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
488.50
DCF (Unlevered)
1,516.54
+210.4%
DCF (Levered)
345.30
-29.3%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
0% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 4 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
2.20
Grey zone
Piotroski F-Score
5 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+6.3% Q1'26: +6.8% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+147.8% ★ Q1'26: +174.0% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+2.3% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+31.8% ★ Q1'26: +21.2% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+6.3% ★ Q1'26: +3.4% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×6.59× Q1'26: 9.46× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 4 Rev. Ana. 4 EPS Ana. |
Mar 2027 4 Rev. Ana. 4 EPS Ana. |
Mar 2028 4 Rev. Ana. 4 EPS Ana. |
Mar 2029 3 Rev. Ana. 2 EPS Ana. |
Mar 2030 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
219.35B
est: 216.37B (+1.4%)
|
237.78B
est: 236.77B (+0.4%)
|
245.14B
est: 244.97B (+0.1%)
|
263.47B
est: 261.10B (+0.9%)
|
277.07B
est: 276.17B (+0.3%)
|
279.50B
est: 277.53B (+0.7%)
|
266.34B
est: 265.06B (+0.5%)
|
262.15B
est: 261.45B (+0.3%)
|
273.79B
est: 273.01B (+0.3%)
|
294.73B
est: 301.04B (-2.1%)
|
317.74B
est: 317.81B (0.0%)
|
337.00B
335.27B – 340.55B
+6.0% YoY
|
356.87B
354.60B – 359.98B
+5.9% YoY
|
372.69B
371.73B – 373.64B
+4.4% YoY
|
392.30B
389.81B – 395.73B
+5.3% YoY
|
410.00B
407.39B – 413.58B
+4.5% YoY
|
| EBITDA |
33.03B
est: 59.55B (-44.5%)
|
31.65B
est: 65.16B (-51.4%)
|
-54.54B
est: 67.42B (-180.9%)
|
95.56B
est: 71.86B (+33.0%)
|
68.96B
est: 76.00B (-9.3%)
|
91.15B
est: 76.38B (+19.3%)
|
108.22B
est: 72.95B (+48.4%)
|
41.79B
est: 71.95B (-41.9%)
|
92.43B
est: 75.14B (+23.0%)
|
94.94B
est: 86.62B (+9.6%)
|
67.76B
est: 91.45B (-25.9%)
|
96.97B
96.47B – 97.99B
+6.0% YoY
|
102.69B
102.03B – 103.58B
+5.9% YoY
|
107.24B
106.96B – 107.51B
+4.4% YoY
|
112.88B
112.16B – 113.87B
+5.3% YoY
|
117.97B
117.22B – 119.01B
+4.5% YoY
|
| EBIT |
28.24B
est: 56.50B (-50.0%)
|
26.51B
est: 61.83B (-57.1%)
|
-59.77B
est: 63.97B (-193.4%)
|
90.13B
est: 68.18B (+32.2%)
|
63.40B
est: 72.11B (-12.1%)
|
86.83B
est: 72.47B (+19.8%)
|
104.39B
est: 69.21B (+50.8%)
|
37.98B
est: 68.27B (-44.4%)
|
88.27B
est: 71.29B (+23.8%)
|
90.96B
est: 82.38B (+10.4%)
|
63.69B
est: 86.97B (-26.8%)
|
92.22B
91.75B – 93.20B
+6.0% YoY
|
97.66B
97.04B – 98.51B
+5.9% YoY
|
101.99B
101.73B – 102.25B
+4.4% YoY
|
107.36B
106.67B – 108.29B
+5.3% YoY
|
112.20B
111.49B – 113.18B
+4.5% YoY
|
| Net Income |
12.87B
est: 19.27B (-33.2%)
|
14.60B
est: 12.27B (+19.0%)
|
-72.19B
est: -72.23B (+0.1%)
|
70.57B
est: 72.87B (-3.2%)
|
37.78B
est: 58.84B (-35.8%)
|
59.60B
est: 73.85B (-19.3%)
|
78.87B
est: 75.23B (+4.8%)
|
55.68B
est: 56.35B (-1.2%)
|
54.93B
est: 59.78B (-8.1%)
|
53.09B
est: 52.95B (+0.3%)
|
32.13B
est: 35.30B (-9.0%)
|
79.44B
77.03B – 81.85B
+125.0% YoY
|
69.01B
65.98B – 70.95B
-13.1% YoY
|
73.87B
69.67B – 77.42B
+7.0% YoY
|
73.90B
73.33B – 74.78B
+0.0% YoY
|
76.92B
76.29B – 77.79B
+4.1% YoY
|
| SGA |
—
est: 48.85B (-100.0%)
|
—
est: 53.45B (-100.0%)
|
—
est: 55.30B (-100.0%)
|
—
est: 58.94B (-100.0%)
|
—
est: 62.35B (-100.0%)
|
—
est: 62.65B (-100.0%)
|
—
est: 59.84B (-100.0%)
|
—
est: 59.02B (-100.0%)
|
—
est: 61.63B (-100.0%)
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
8.21
est: 12.30 (-33.3%)
|
9.32
est: 7.83 (+19.0%)
|
-46.08
est: -46.11 (+0.1%)
|
45.05
est: 46.51 (-3.1%)
|
24.12
est: 37.56 (-35.8%)
|
38.04
est: 47.14 (-19.3%)
|
50.34
est: 48.02 (+4.8%)
|
35.54
est: 35.97 (-1.2%)
|
35.06
est: 38.04 (-7.8%)
|
33.89
est: 33.80 (+0.3%)
|
20.51
est: 22.50 (-8.8%)
|
51.21
49.17 – 52.25
+127.6% YoY
|
43.73
42.12 – 45.29
-14.6% YoY
|
46.70
44.47 – 49.42
+6.8% YoY
|
47.20
46.81 – 47.74
+1.1% YoY
|
49.10
48.69 – 49.66
+4.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-08 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-01 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-28 | B | 3/5 | 3/5 | 3/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-27 | B | 3/5 | 3/5 | 3/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 3/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
525.91M
OE per share TTM
0.34
Owner's Yield
0.07%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
4.2%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 85 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Pan Asia Dividend Aristocrats UCITS ETF (Dist) ASDV.L | 0.36% | 883.7K | 0.55% |
| 2 | JPMorgan International Value ETF JIVE | 0.15% | 4.75M | 0.55% |
| 3 | iShares MSCI Japan Small Cap UCITS ETF IDJP.L | 0.09% | 498.9K | 0.58% |
| 4 | iShares MSCI Japan Small-Cap ETF SCJ | 0.08% | 214.5K | 0.50% |
| 5 | Xtrackers CSI300 Swap UCITS ETF XCHA.L | 0.07% | 1.53M | 0.50% |
| 6 | Vanguard Global Value Factor ETF VVL.TO | 0.05% | 280.0K | 0.38% |
| 7 | Schwab Fundamental International Small Company Index ETF FNDC | 0.04% | 1.11M | 0.39% |
| 8 | Vanguard Global Value Equity Active ETF VVLU.AX | 0.03% | 301.2K | 0.28% |
| 9 | iShares Currency Hedged MSCI EAFE Small-Cap ETF HSCZ | 0.03% | 72.9K | 0.83% |
| 10 | iShares MSCI EAFE Small-Cap ETF SCZ | 0.03% | 4.39M | 0.40% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
19.86M
Shares Outstanding
1.57B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Akifumi Kinoshita | Executive Officer & Chief GM of Accounting Dept. | — | male |
| Hideo Nomura | Executive Officer & Chief General Manager of Internal Audit Dept. | — | — |
| Izukura | Public & Investor Relations Officer | — | — |
| Kazuki Morishita | Executive Managing Officer of Finance Dept & Business Planning Dept | — | male |
| Kengo Karaishi | Chief General Manager of West Japan Business Promotion Dept. | — | — |
| Kouhei Takahashi | Chief General Manager of Overseas Business Management Dept. | — | — |
| Manabu Iwasaki | Chief General Manager of Human Resources Dept. | — | — |
| Masaharu Oobayashi | Chief General Manager of West Japan Business Promotion Dept. | — | — |
| Masaru Kuroda | Executive Managing Officer | — | male |
| Masashi Yoshiba | Senior EMO of Human Resources Dept. Digital & Business Process Management Dept. | — | — |
| Masataka Kinoshita | President, Chief Executive Officer & Director | — | male |
| Michihito Onodera | Head of Guarantee Bus. and Executive Managing Officer Guarantee Planning & Alliance Promotion Dept. | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for 8572.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
