Business Description
Acom Co Ltd
ISIN : JP3108600002
Description
Acom Co Ltd is a Japanese consumer finance company. Its four core business categories are loan and credit, guarantee services, loan servicing, and overseas financials. Its loan and credit business offers credit cards and unsecured loans. The guarantee segment provides credit guarantee services, including loan portfolios and marketing analyses. The firm also offers loan administrative services in its loan servicing segment. Acom's overseas businesses are mostly in the retail finance sector in Thailand and Indonesia. In addition to ATMs, Acom's distribution relies on multifaceted sales channels, including a call center, Internet services, and mobile phones. The company earns its revenue from its loan and credit card business in Japan.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.12 | |||||
| Equity-to-Asset | 0.44 | |||||
| Debt-to-Equity | 1.07 | |||||
| Debt-to-EBITDA | 7.88 | |||||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Altman Z-Score | 2.26 | |||||
| Beneish M-Score | -2.33 | |||||
| WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | -0.7 | |||||
| 3-Year EBITDA Growth Rate | 1.8 | |||||
| 3-Year EPS without NRI Growth Rate | 0.7 | |||||
| 3-Year Book Growth Rate | 11.8 | |||||
| Future 3-5Y Total Revenue Growth Rate | 6.28 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 0.11 | |||||
| 9-Day RSI | 4.07 | |||||
| 14-Day RSI | 16.36 | |||||
| 6-1 Month Momentum % | 8.49 | |||||
| 12-1 Month Momentum % | 8.49 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 4.67 | |||||
| Quick Ratio | 4.67 | |||||
| Cash Ratio | 0.28 | |||||
| Days Sales Outstanding | 1471.61 | |||||
| Days Payable | 30.27 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.23 | |||||
| Dividend Payout Ratio | 0.33 | |||||
| 3-Year Dividend Growth Rate | 35.7 | |||||
| Forward Dividend Yield % | 3.2 | |||||
| 5-Year Yield-on-Cost % | 30.32 | |||||
| Shareholder Yield % | -2.41 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 97.83 | |||||
| Operating Margin % | 28.93 | |||||
| Net Margin % | 18.12 | |||||
| FCF Margin % | -2.2 | |||||
| ROE % | 8.83 | |||||
| ROA % | 3.93 | |||||
| ROIC % | 4.53 | |||||
| ROC (Joel Greenblatt) % | 7.28 | |||||
| ROCE % | 7.73 | |||||
| Years of Profitability over Past 10-Year | 9 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 11.74 | |||||
| PE Ratio without NRI | 11.7 | |||||
| Shiller PE Ratio | 18.19 | |||||
| PS Ratio | 2.13 | |||||
| PB Ratio | 1 | |||||
| Price-to-Tangible-Book | 1.02 | |||||
| EV-to-EBIT | 14.3 | |||||
| EV-to-EBITDA | 14.3 | |||||
| EV-to-Revenue | 4.14 | |||||
| EV-to-FCF | -199.06 | |||||
| Price-to-Projected-FCF | 1.05 | |||||
| Price-to-Median-PS-Value | 0.81 | |||||
| Price-to-Graham-Number | 0.73 | |||||
| Price-to-Net-Current-Asset-Value | 1.16 | |||||
| Earnings Yield (Greenblatt) % | 6.99 | |||||
| FCF Yield % | -0.98 | |||||
| Forward Rate of Return (Yacktman) % | 0.4 |
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