A

Acom Co Ltd
TSE:8572

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Acom Co Ltd
TSE:8572
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Price: 379.6 JPY -3.56% Market Closed
Market Cap: 594.7B JPY
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Intrinsic Value

The intrinsic value of one Acom Co Ltd stock under the Base Case scenario is 577.9 JPY. Compared to the current market price of 379.6 JPY, Acom Co Ltd is Undervalued by 34%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

Intrinsic Value
577.9 JPY
Undervaluation 34%
Intrinsic Value
Price
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Acom Co Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Acom Co Ltd

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Acom Co Ltd

Current Assets 1.3T
Cash & Short-Term Investments 57.8B
Receivables 1.2T
Other Current Assets 96.9B
Non-Current Assets 82.2B
Long-Term Investments 1.4B
PP&E 8.5B
Intangibles 9.6B
Other Non-Current Assets 62.7B
Current Liabilities 302.5B
Accounts Payable 736m
Short-Term Debt 86.4B
Other Current Liabilities 215.3B
Non-Current Liabilities 481.4B
Long-Term Debt 402.6B
Other Non-Current Liabilities 78.8B
Efficiency

Earnings Waterfall
Acom Co Ltd

Revenue
301B JPY
Cost of Revenue
-214.7B JPY
Gross Profit
86.4B JPY
Operating Expenses
2m JPY
Operating Income
86.4B JPY
Other Expenses
-33.4B JPY
Net Income
52.9B JPY

Free Cash Flow Analysis
Acom Co Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

In the first half of fiscal year ending March 2024, receivables growth was slightly below the 4.1% target at 3.8%, reaching JPY 2,444.1 billion, with new account acquisition and a cheaper yen playing substantial roles. Operating revenue outpaced its target by 3.1% amounting to JPY 144.2 billion, driven by growth in all main business lines and the currency advantage. However, operating profit fell short by 3%, standing at JPY 44.2 billion, due to increased costs in advertising, promotion, and the provisioning for bad debt, which grew in response to the aggressive addition of new customers. Despite this, the acquisition of new clients is viewed as an advance investment, indicating optimism for long-term revenue growth. Moreover, the company announced steady progress towards launching its Embedded Finance business, anticipating operational commencement between next summer and autumn.

What is Earnings Call?
Fundamental Scores

Profitability Score
Profitability Due Diligence

Acom Co Ltd's profitability score is 54/100. The higher the profitability score, the more profitable the company is.

54/100
Profitability
Score

Acom Co Ltd's profitability score is 54/100. The higher the profitability score, the more profitable the company is.

Solvency Score
Solvency Due Diligence

Acom Co Ltd's solvency score is 66/100. The higher the solvency score, the more solvent the company is.

High Interest Coverage
Short-Term Solvency
Long-Term Solvency
Low D/E
66/100
Solvency
Score

Acom Co Ltd's solvency score is 66/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

Price Targets Summary
Acom Co Ltd

Wall Street analysts forecast Acom Co Ltd stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for Acom Co Ltd is 408 JPY with a low forecast of 404 JPY and a high forecast of 420 JPY.

Lowest
Price Target
404 JPY
6% Upside
Average
Price Target
408 JPY
7% Upside
Highest
Price Target
420 JPY
11% Upside
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Dividends

Dividend Yield
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Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for Acom Co Ltd is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
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Profile

Acom Co Ltd

Country

Japan

Industry

Financial Services

Market Cap

594.7B JPY

Dividend Yield

3.42%

Description

ACOM Co., Ltd. engages in the provision of financial services. The company is headquartered in Chiyoda-Ku, Tokyo-To and currently employs 5,424 full-time employees. The firm operates in four business segments. The Loan and Credit Card segment provides the unsecured loan business and the credit card business with MasterCard as the main product. The Credit Guarantee segment is engaged in credit guarantee business. The Overseas Financial segment includes unsecured loan business in Thailand and the Philippines, installation loan business in Thailand (individual credit purchase brokerage business), and banking business in Indonesia. The Debt Management and Collection segment provides servicer business including debt management and collection business. The others include contracting a contact center and dispatching human resources business.

Contact

TOKYO-TO
Chiyoda-ku
Meiji Yasuda Seimei Bldg., 2-1-1, Marunouchi
+81355330811.0
www.acom.co.jp

IPO

1993-10-01

Employees

5 424

Officers

President, CEO & Director
Mr. Masataka Kinoshita
Exe. M.O., In Chrg of Fin. Dept., Vice In Chrg of Corp. Plan. Dept. & Chf GM of Corp. Plan. Dept.
Mr. Kazuki Morishita
Deputy President & CEO, Head of System Development & Administration Division and Director
Mr. Takashi Kiribuchi
Chief PR & IR Officer
Mr. Takashi Okamoto
Executive Officer & Chief General Manager of Human Resources Department
Tai Wakikawa
Senior MD, Senior Executive Managing Officer & Head of Credit Supervision Division
Mr. Tomomi Uchida
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Head of Guarantee Bus. and Executive Managing Officer Guarantee Planning & Alliance Promotion Dept.
Michihito Onodera
Executive Managing Officer
Masashi Yoshiba
Executive Managing Officer & Head of Credit Business Promotion Division
Yuji Kinoshita
Executive Officer & Chief GM of East Japan Business Promotion Dept.
Hidehiko Shibata
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See Also

Discover More
What is the Intrinsic Value of one Acom Co Ltd stock?

The intrinsic value of one Acom Co Ltd stock under the Base Case scenario is 577.9 JPY.

Is Acom Co Ltd stock undervalued or overvalued?

Compared to the current market price of 379.6 JPY, Acom Co Ltd is Undervalued by 34%.

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