1. Japan Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
Acom Co., Ltd.

Acom Co., Ltd.

8572.T
Acom Co., Ltd.JP flagTokyo Stock Exchange
483.70
JPY
-2.60
- -
757.77BMarket Cap
Acom Co., Ltd.
8572.T
(Tokyo Stock Exchange)

Recent

price

483.70

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
177.84
156.92
134.33
123.21
129.09
139.97
151.71
156.48
168.16
176.86
178.41
169.99
167.34
174.77
188.13
202.86
96.01
Revenue per Share
-4.62
-129.35
13.7
13.3
6.79
8.21
9.32
-46.08
45.05
24.12
38.04
50.34
35.54
35.06
33.89
20.51
16.47
Basic EPS, GAAP
39.92
61.69
30.47
0.53
-23.07
-27.27
-28.9
-25.76
-22.56
2.94
10.25
70.11
26.56
-3.83
-26.42
-4.22
- -
Free Cash Flow per Basic Share
2.5
0.5
- -
- -
- -
- -
- -
- -
- -
2
3
5
6
9
11
13
- -
Dividend per Share
247.32
117.64
131.34
144.64
151.43
161.66
170.98
124.9
169.95
192.06
227.11
272.45
291.71
317.77
340.67
348.24
353.65
Book Value per Share
275.29
148.19
162.43
174.5
184.74
200.27
207.87
163.81
212.7
237.97
277.64
324.47
355.42
390.8
424.62
445.44
443.43
Tangible Book Value per Share
1,568
1,567
1,567
1,567
1,567
1,567
1,567
1,567
1,567
1,567
1,567
1,567
1,567
1,567
1,567
1,566
1,567
Basic Weighted Avg Shares
278,795
245,831
210,450
193,022
202,234
219,284
237,677
245,142
263,447
277,064
279,505
266,312
262,151
273,791
294,726
317,739
150,430
Sales/Revenue/Turnover
10.14
-59.73
14.68
10.86
7.09
6.42
6.53
-28.62
30.72
20.79
27.06
37.14
13.27
31.88
29.3
18.43
28.01
Operating Margin (%)
2,244
2,919
2,796
3,081
4,244
4,792
5,139
5,230
5,432
5,562
4,316
3,835
3,803
4,165
3,980
4,067
- -
Depreciation Expense
-7,239
-202,648
21,464
20,839
10,632
12,864
14,598
-72,187
70,572
37,781
59,600
78,864
55,678
54,926
53,091
32,124
25,804
Net Income, GAAP
- -
- -
29.6
17.03
15.71
- -
- -
- -
8.54
23.15
19.98
15.76
- -
29.87
33.33
37.64
34.57
Effective Tax Rate (%)
-2.6
-82.43
10.2
10.8
5.26
5.87
6.14
-29.45
26.79
13.64
21.32
29.61
21.24
20.06
18.01
10.11
17.15
Profit Margin (%)
1,098,545
910,114
826,866
725,496
738,934
848,097
894,100
920,681
855,726
895,997
996,708
978,075
923,644
983,000
1,054,458
1,109,551
1,098,476
Working Capital
523,076
444,663
407,409
329,512
356,351
466,067
510,410
530,672
489,201
486,258
530,330
465,469
376,984
390,542
430,709
424,324
442,821
LT Debt
439,269
243,599
264,914
286,709
306,725
328,312
338,131
267,224
344,436
381,500
442,494
515,126
563,961
619,836
674,174
709,034
704,853
Total Equity
- -
- -
2.48
1.93
1.31
- -
- -
- -
7.18
4.02
5.31
7.25
- -
5.2
4.5
2.65
2.06
Return on Invested Capital (%)
- -
- -
2.2
2.16
0.96
- -
- -
- -
6.89
3.18
5.13
6.85
- -
4.63
4.09
2.19
1.93
Return on Capital (%)
-1.84
-70.85
11.01
9.64
4.58
5.25
5.6
-31.15
30.56
13.32
18.15
20.15
12.6
11.51
10.29
5.95
4.82
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
234,039
- -
238,042
LT Borrowings
429,639
- -
442,821
LT Finance Leases
1,070
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,567
- -
1,567
Market Capitalization
631,032
640,861
597,301

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
1,330,190
- -
1,365,019
Cash, Cash Equivalents & STI
73,486
- -
60,233
Accounts Receivable, Net
1,244,612
- -
1,295,710
Inventories
- -
- -
- -
Total Current Liabilities
275,732
- -
266,543
Payables & Accruals
- -
- -
- -
ST Debt
234,039
- -
238,042
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.74%
9.95%
5.17%
Free Cash Flow
103.2%
182.77%
-84.01%
Net Income, GAAP
-80.88%
-8.25%
-39.49%
Sales/Revenue/Turnover
3.87%
2.72%
7.81%
Total Cash Common Dividend
- -
35.42%
18.2%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
70,923
73,373
74,687
75,743
294,726
2025
- -
- -
- -
- -
317,739
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8.79
- -
- -
- -
33.89
2025
- -
- -
- -
- -
20.51
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
11
2025
- -
- -
- -
- -
13
2026
- -
- -
- -
- -
- -
Similar Companies
Zedcor Inc (ZDC.V)
Elevate Credit, Inc. (ELVT)
Loans4Less.Com, Inc. (LFLS)
AEON Thana Sinsap (Thailand) Public Company Limited (AEONTS.BK)
Available Finance Limited (AVAILFC.BO)
L&T Finance Ltd (LTF.NS)
Business
Acom Co., Ltd. engages primarily in the consumer finance business, offering unsecured loans, installment loans, and credit cards; loan guarantee services; embedded finance solutions; loan servicing; contact center contracting; and temporary personnel services through segments including loan and credit card business, guarantee business, overseas financial business, and others. ACOM CO., LTD., founded in 1936 and incorporated in 1978, maintains its headquarters at Tokyo Shiodome Bldg. in Higashi-Shinbashi, Minato-ku, Tokyo, Japan, and operates principally in Japan with overseas activities centered in Thailand via subsidiary EASY BUY Public Company Limited, as well as presence in the Philippines and Malaysia. The company, a consolidated subsidiary of Mitsubishi UFJ Financial Group, Inc., targets individual consumers seeking personal financing and partners with banks for guarantee services. Recent developments include the April 2025 launch of guarantee partnerships with THE MORTGAGE CORPORATION OF JAPAN, LIMITED, Resona Bank, Limited, Saitama Resona Bank, Limited, Kansai Mirai Bank, Limited, and AEON Bank, Ltd.; expansion of embedded finance through GeNiE Inc., which formed alliances with eight companies by March 2025 following its June 2024 system launch and October alliance with Kyash Inc.; and sustained growth in receivables outstanding to 2,714.1 billion yen as of March 31, 2025, amid strong funding demand.