Acom CoTSE:8572 -0.76%67 Current Ratio is 4.01 as of Dec. 2025, which is 16% below its 10-year median of 4.77. GuruFocus rates TSE:8572 with a GF Score™ of 67/100 and a GF Value™ of 円448.67 (Fairly Valued). The stock has 2 warning signs investors should review. Among 396 Credit Services companies, Acom Co ranks worse than 53.79% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Acom Co's current ratio for the quarter that ended in Dec. 2025 was 4.01.
Acom Co has a current ratio of 4.01. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Acom Co's Current Ratio or its related term are showing as below:
TSE:8572'
s Current Ratio Range Over the Past 10 Years
Min: 3.58 Med: 4.77 Max: 6.58
Current: 3.72
During the past 13 years, Acom Co's highest Current Ratio was 6.58. The lowest was 3.58. And the median was 4.77.
TSE:8572's Current Ratio is ranked worse than 53.79% of 396
companies
in the Credit Services industry
Industry Median: 4.93
vs TSE:8572: 3.72
Acom Co (TSE:8572) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Acom Co Current Ratio Related Terms
Acom Co Current Ratio Historical Data
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The historical data trend for Acom Co's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Acom Co's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Acom Co Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Acom Co's Current Ratio distribution charts can be found below:
* The bar in red indicates where Acom Co's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Acom Co (TSE:8572) has a Current Ratio of 4.01 as of Dec. 2025. This is 16% below median its historical median of 4.77. Over the past decade, Acom Co's Current Ratio has ranged from 3.58 to 6.58. According to the industry distribution chart, Acom Co ranks #213 out of 396 companies in the Credit Services industry, placing it in the top 53.8%.
Is Acom Co's Current Ratio too high?
Acom Co's current Current Ratio of 4.01 is 16% below median its 10-year median of 4.77. Over the past 10 years, this metric has ranged from a low of 3.58 to a high of 6.58. The Credit Services industry median Current Ratio is 4.93. Acom Co's value of 4.01 is 18.7% below this industry median. Based on the distribution chart, Acom Co ranks #213 out of 396 companies in the Credit Services industry, which is below the industry midpoint. Overall, Acom Co has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Acom Co's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Acom Co ranks #213 out of 396 companies for Current Ratio. This places Acom Co in the lower half of its industry. The industry median Current Ratio is 4.93. Acom Co's value of 4.01 is 18.7% below this benchmark. Historically, Acom Co's own Current Ratio has ranged from 3.58 to 6.58 over the past decade. While the company's 10-year median is 4.77 vs. the industry median of 4.93, Acom Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 4.93, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Acom Co's current Current Ratio of 4.01 is 18.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current Current Ratio is 4.01, which is 16% below median its own 10-year median of 4.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Acom Co stock overvalued right now?
Based on GuruFocus' analysis, Acom Co (TSE:8572) is currently considered Fairly Valued. The stock's GF Value™ is 円448.67, compared to a current price of 円480.00 — trading 7% above its estimated fair value. The current Current Ratio is 4.01, which is 16% below median its 10-year median of 4.77 and 18.7% below the Credit Services industry median of 4.93. Acom Co's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Acom Co (TSE:8572), the current Current Ratio is 4.01 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Acom Co (TSE:8572) Overvalued in 2026?
Based on GuruFocus' analysis, Acom Co stock appears to be overvalued.
The current stock price of 円480.00 is trading 7% above its estimated GF Value™ of 円448.67.
GuruFocus considers Acom Co to be Fairly Valued.
Key valuation signals for TSE:8572:
Current Ratio: 4.01 (16% below median its 10-year median of 4.77)
GF Value™: 円448.67 vs. price of 円480.00 (7% above fair value)
Industry Position: 18.7% below the Credit Services median (#213 of 396)
No single metric tells the full story. See the TSE:8572 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Acom Co Ltd is a Japanese consumer finance company. Its core business segments are the loan and credit card business, Guarantee business, overseas financial business, Loan servicing business, and others. Its loan and credit business offers credit cards and unsecured loans; The guarantee segment provides credit guarantee services, including loan portfolio management and marketing analyses; The firm also offers loan administrative services in its loan servicing segment; Overseas businesses are mostly in the retail finance sector; and Others include contracting at the contact center and temporary personnel services. The company earns maximum revenue from its loan and credit card business.
67GF Score
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