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Acom CoTSE:8572 +0.46%68 Days Payable is 23.57 as of Dec. 2025, which is 17% below its 10-year median of 28.50. GuruFocus rates TSE:8572 with a GF Score™ of 68/100 and a GF Value™ of 円448.92 (Fairly Valued). The stock has 2 warning signs investors should review. Among 300 Credit Services companies, Acom Co ranks worse than 53% on this metric.
Acom Co's average Accounts Payable for the
three
months ended in Dec. 2025 was 円693 Mil. Acom Co's Cost of Goods Sold for the
three
months ended in Dec. 2025 was 円2,681 Mil.
Hence, Acom Co's Days Payable for the
three
months ended in Dec. 2025 was 23.57.
The historical rank and industry rank for Acom Co's Days Payable or its related term are showing as below:
TSE:8572'
s Days Payable Range Over the Past 10 Years
Min: 8.95 Med: 28.5 Max: 40
Current: 27.19
During the past 13 years, Acom Co's highest Days Payable was 40.00. The lowest was 8.95. And the median was 28.50.
TSE:8572's Days Payable is ranked worse than 53% of 300
companies
in the Credit Services industry
Industry Median: 33.405
vs TSE:8572: 27.19
Acom Co's Days Payable
declined
from Dec. 2024 (41.02) to Dec. 2025 (23.57).
It may suggest that Acom Coaccelerated paying its suppliers.
Acom Co Days Payable Related Terms
Acom Co Days Payable Historical Data
* Premium members only.
The historical data trend for Acom Co's Days Payable 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 Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Acom Co's Days Payable distribution charts can be found below:
* The bar in red indicates where Acom Co's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Acom Co's Days Payable for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Days Payable of 23.57 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Acom Co and its competitors. This is 17% below median its historical median of 28.50. Over the past decade, Acom Co's Days Payable has ranged from 8.95 to 40.00. According to the industry distribution chart, Acom Co ranks #159 out of 300 companies in the Credit Services industry, placing it in the top 53%.
Is Acom Co's Days Payable too high?
Acom Co's current Days Payable of 23.57 is 17% below median its 10-year median of 28.50. Over the past 10 years, this metric has ranged from a low of 8.95 to a high of 40.00. The Credit Services industry median Days Payable is 33.41. Acom Co's value of 23.57 is 29.4% below this industry median. Based on the distribution chart, Acom Co ranks #159 out of 300 companies in the Credit Services industry, which is below the industry midpoint. Overall, Acom Co has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Acom Co's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Acom Co ranks #159 out of 300 companies for Days Payable. This places Acom Co in the lower half of its industry. The industry median Days Payable is 33.41. Acom Co's value of 23.57 is 29.4% below this benchmark. Historically, Acom Co's own Days Payable has ranged from 8.95 to 40.00 over the past decade. While the company's 10-year median is 28.50 vs. the industry median of 33.41, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 300 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Acom Co's current Days Payable of 23.57 is 29.4% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Acom Co and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current Days Payable is 23.57, which is 17% below median its own 10-year median of 28.50. 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448.92, compared to a current price of 円484.00 — trading 7.8% above its estimated fair value. The current Days Payable is 23.57, which is 17% below median its 10-year median of 28.50 and 29.4% below the Credit Services industry median of 33.41. Acom Co's overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Acom Co (TSE:8572), the current Days Payable is 23.57 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484.00 is trading 7.8% above its estimated GF Value™ of 円448.92.
GuruFocus considers Acom Co to be Fairly Valued.
Key valuation signals for TSE:8572:
Days Payable: 23.57 (17% below median its 10-year median of 28.50)
GF Value™: 円448.92 vs. price of 円484.00 (7.8% above fair value)
Industry Position: 29.4% below the Credit Services median (#159 of 300)
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.
68GF Score
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