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Also traded in: Germany, Japan

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.12
ACMUY's Cash-to-Debt is ranked lower than
78% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. ACMUY: 0.12 )
Ranked among companies with meaningful Cash-to-Debt only.
ACMUY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.21 Max: N/A
Current: 0.12
Equity-to-Asset 0.31
ACMUY's Equity-to-Asset is ranked lower than
65% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. ACMUY: 0.31 )
Ranked among companies with meaningful Equity-to-Asset only.
ACMUY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.18  Med: 0.28 Max: 0.31
Current: 0.31
0.18
0.31
Interest Coverage 1366.15
ACMUY's Interest Coverage is ranked higher than
69% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 6.77 vs. ACMUY: 1366.15 )
Ranked among companies with meaningful Interest Coverage only.
ACMUY' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 678.17 Max: 2573.75
Current: 1366.15
0.27
2573.75
Piotroski F-Score: 6
Altman Z-Score: 1.99
WACC vs ROIC
3.27%
2.29%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 7.33
ACMUY's Operating Margin % is ranked lower than
67% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.59 vs. ACMUY: 7.33 )
Ranked among companies with meaningful Operating Margin % only.
ACMUY' s Operating Margin % Range Over the Past 10 Years
Min: -75.17  Med: 7.09 Max: 21.5
Current: 7.33
-75.17
21.5
Net Margin % 7.71
ACMUY's Net Margin % is ranked lower than
59% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 11.84 vs. ACMUY: 7.71 )
Ranked among companies with meaningful Net Margin % only.
ACMUY' s Net Margin % Range Over the Past 10 Years
Min: -108.69  Med: 6.01 Max: 11.82
Current: 7.71
-108.69
11.82
ROE % 5.43
ACMUY's ROE % is ranked lower than
53% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 6.48 vs. ACMUY: 5.43 )
Ranked among companies with meaningful ROE % only.
ACMUY' s ROE % Range Over the Past 10 Years
Min: -63.58  Med: 3.97 Max: 8.67
Current: 5.43
-63.58
8.67
ROA % 1.60
ACMUY's ROA % is ranked lower than
56% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 2.22 vs. ACMUY: 1.60 )
Ranked among companies with meaningful ROA % only.
ACMUY' s ROA % Range Over the Past 10 Years
Min: -21.17  Med: 1.11 Max: 1.92
Current: 1.6
-21.17
1.92
ROC (Joel Greenblatt) % 1.87
ACMUY's ROC (Joel Greenblatt) % is ranked lower than
71% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 13.70 vs. ACMUY: 1.87 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
ACMUY' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -140.83  Med: 1.72 Max: 9.14
Current: 1.87
-140.83
9.14
3-Year Revenue Growth Rate 7.20
ACMUY's 3-Year Revenue Growth Rate is ranked higher than
55% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. ACMUY: 7.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ACMUY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -13.4  Med: -3.2 Max: 7.5
Current: 7.2
-13.4
7.5
3-Year EBITDA Growth Rate -13.00
ACMUY's 3-Year EBITDA Growth Rate is ranked lower than
79% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. ACMUY: -13.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ACMUY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -27.1  Med: -11.6 Max: 8.4
Current: -13
-27.1
8.4
3-Year EPS without NRI Growth Rate -11.20
ACMUY's 3-Year EPS without NRI Growth Rate is ranked lower than
69% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. ACMUY: -11.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ACMUY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -74.5  Med: -11.2 Max: 16.4
Current: -11.2
-74.5
16.4
GuruFocus has detected 1 Warning Sign with Acom Co Ltd $ACMUY.
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» ACMUY's 10-Y Financials

Financials


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Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Credit Services » Credit Services  
Compare:NYSE:OMF, OTCPK:ELEEF, NAS:CACC, NAS:NAVI, NYSE:FCFS, NAS:HAWK, NYSE:LC, NYSE:NNI, NYSE:GDOT, NAS:PRAA, NAS:SLM, OTCPK:EDNMF, NYSE:YRD, OTCPK:FPLPY, NYSE:CSH, NAS:QIWI, OTCPK:ECNCF, NAS:MGI, OTCPK:AUTCF, NYSE:TCAP » details
Traded in other countries:AK5.Germany, 8572.Japan,
Acom Co Ltd provides financial products and services. The Company is engaged in loan and credit card business, guarantee business, loan servicing, and overseas finance business.

Acom Co Ltd was incorporated on October 23, 1978. The Company is engaged in loan and credit card business, guarantee business, loan servicing business and overseas finance business. The Company provides loans including unsecured loan and secured loan. Its credit card business principal commodity is MasterCard. Its segments are Loan business: Provision of loans directly to customers. The scope of this segment's transaction volume is the amount of loans to customers; Credit card business: Provision of general financial services through the use of credit cards, based on comprehensive credit administration. The scope of transaction volume is the total amount of credit; Loan servicing business: The amount of purchased receivables; Installment sales finance business: Provision of financial services without using credit cards. Each transaction of this service involves customer screening and review. The scope of transaction volume is the sum of credit amount and commission fees; and Banking business: Provision of loans directly to customers. The scope of this segment's transaction volume is the amount of loans to customers.

Ratios

vs
industry
vs
history
PE Ratio 38.19
ACMUY's PE Ratio is ranked lower than
79% of the 410 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. ACMUY: 38.19 )
Ranked among companies with meaningful PE Ratio only.
ACMUY' s PE Ratio Range Over the Past 10 Years
Min: 9.54  Med: 44.29 Max: 329.41
Current: 38.19
9.54
329.41
PE Ratio without NRI 38.19
ACMUY's PE Ratio without NRI is ranked lower than
79% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 15.39 vs. ACMUY: 38.19 )
Ranked among companies with meaningful PE Ratio without NRI only.
ACMUY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.54  Med: 44.29 Max: 327.27
Current: 38.19
9.54
327.27
Price-to-Owner-Earnings 49.41
ACMUY's Price-to-Owner-Earnings is ranked lower than
92% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 12.19 vs. ACMUY: 49.41 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ACMUY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.43  Med: 46.42 Max: 272.02
Current: 49.41
5.43
272.02
PB Ratio 1.99
ACMUY's PB Ratio is ranked lower than
64% of the 441 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. ACMUY: 1.99 )
Ranked among companies with meaningful PB Ratio only.
ACMUY' s PB Ratio Range Over the Past 10 Years
Min: 0.32  Med: 1.3 Max: 3.06
Current: 1.99
0.32
3.06
PS Ratio 2.95
ACMUY's PS Ratio is ranked higher than
54% of the 439 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. ACMUY: 2.95 )
Ranked among companies with meaningful PS Ratio only.
ACMUY' s PS Ratio Range Over the Past 10 Years
Min: 0.48  Med: 2.37 Max: 7.34
Current: 2.95
0.48
7.34
EV-to-EBIT 72.08
ACMUY's EV-to-EBIT is ranked lower than
86% of the 420 Companies
in the Global Credit Services industry.

( Industry Median: 18.27 vs. ACMUY: 72.08 )
Ranked among companies with meaningful EV-to-EBIT only.
ACMUY' s EV-to-EBIT Range Over the Past 10 Years
Min: -32.5  Med: 45.8 Max: 171.4
Current: 72.08
-32.5
171.4
EV-to-EBITDA 72.08
ACMUY's EV-to-EBITDA is ranked lower than
89% of the 429 Companies
in the Global Credit Services industry.

( Industry Median: 14.96 vs. ACMUY: 72.08 )
Ranked among companies with meaningful EV-to-EBITDA only.
ACMUY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -36.4  Med: 42.8 Max: 171.4
Current: 72.08
-36.4
171.4
Current Ratio 4.88
ACMUY's Current Ratio is ranked higher than
63% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 2.74 vs. ACMUY: 4.88 )
Ranked among companies with meaningful Current Ratio only.
ACMUY' s Current Ratio Range Over the Past 10 Years
Min: 2.85  Med: 3.96 Max: 5.39
Current: 4.88
2.85
5.39
Quick Ratio 4.88
ACMUY's Quick Ratio is ranked higher than
68% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. ACMUY: 4.88 )
Ranked among companies with meaningful Quick Ratio only.
ACMUY' s Quick Ratio Range Over the Past 10 Years
Min: 2.85  Med: 3.96 Max: 5.39
Current: 4.88
2.85
5.39
Days Inventory 1.43
ACMUY's Days Inventory is ranked higher than
84% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 19.72 vs. ACMUY: 1.43 )
Ranked among companies with meaningful Days Inventory only.
ACMUY' s Days Inventory Range Over the Past 10 Years
Min: 1.43  Med: 6.49 Max: 82.91
Current: 1.43
1.43
82.91
Days Sales Outstanding 1.00
ACMUY's Days Sales Outstanding is ranked higher than
91% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 13.24 vs. ACMUY: 1.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
ACMUY' s Days Sales Outstanding Range Over the Past 10 Years
Min: 1  Med: 1450.61 Max: 1522.2
Current: 1
1
1522.2

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 2.33
ACMUY's Price-to-Net-Current-Asset-Value is ranked higher than
50% of the 219 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 vs. ACMUY: 2.33 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
ACMUY' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 0.48  Med: 1.71 Max: 3.3
Current: 2.33
0.48
3.3
Price-to-Tangible-Book 2.06
ACMUY's Price-to-Tangible-Book is ranked lower than
62% of the 416 Companies
in the Global Credit Services industry.

( Industry Median: 1.39 vs. ACMUY: 2.06 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ACMUY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.41  Med: 1.46 Max: 2.87
Current: 2.06
0.41
2.87
Price-to-Intrinsic-Value-Projected-FCF 2.18
ACMUY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
73% of the 143 Companies
in the Global Credit Services industry.

( Industry Median: 1.10 vs. ACMUY: 2.18 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ACMUY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.48  Med: 1.07 Max: 2.44
Current: 2.18
0.48
2.44
Price-to-Median-PS-Value 1.24
ACMUY's Price-to-Median-PS-Value is ranked lower than
65% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. ACMUY: 1.24 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ACMUY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.26  Med: 1 Max: 2.91
Current: 1.24
0.26
2.91
Price-to-Graham-Number 1.87
ACMUY's Price-to-Graham-Number is ranked lower than
72% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. ACMUY: 1.87 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ACMUY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.67  Med: 2.06 Max: 4.56
Current: 1.87
0.67
4.56
Earnings Yield (Greenblatt) % 1.39
ACMUY's Earnings Yield (Greenblatt) % is ranked lower than
74% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 4.45 vs. ACMUY: 1.39 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ACMUY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 1.6 Max: 10.5
Current: 1.39
0.6
10.5

More Statistics

Revenue (TTM) (Mil) $2,228
EPS (TTM) $ 0.31
Beta105.41
Short Percentage of Float0.00%
52-Week Range $0.03 - 18.04
Shares Outstanding (Mil)626.65

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