Acom CoACJJF 83 Gross Margin % is 96.87% as of Dec. 2025, which is 0% below its 10-year median of 97.11. GuruFocus rates ACJJF with a GF Score™ of 83/100 and a GF Value™ of $2.43. The stock has 2 warning signs investors should review. Among 387 Credit Services companies, Acom Co ranks better than 98.45% on this metric.
Gross Margin % is calculated as gross profit divided by its revenue. Acom Co's Gross Profit for the
three
months ended in Dec. 2025 was $532 Mil. Acom Co's Revenue for the
three
months ended in Dec. 2025 was $549 Mil. Therefore, Acom Co's Gross Margin % for the quarter that ended in Dec. 2025 was 96.87%.
The historical rank and industry rank for Acom Co's Gross Margin % or its related term are showing as below:
ACJJF'
s Gross Margin % Range Over the Past 10 Years
Min: 93.36 Med: 97.11 Max: 97.93
Current: 97.11
During the past 13 years, the highestGross Margin % of Acom Co was 97.93%. The lowest was 93.36%. And the median was 97.11%.
ACJJF's Gross Margin % is ranked better than 98.45% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs ACJJF: 97.11
Acom Co had a gross margin of 96.87% for the quarter that ended in Dec. 2025 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Acom Co was 0.00% per year.
Acom Co (OTCPK:ACJJF) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Acom Co had a gross margin of 96.87% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Acom Co Gross Margin % Related Terms
Acom Co Gross Margin % Historical Data
* Premium members only.
The historical data trend for Acom Co's Gross Margin % 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 Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Acom Co's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Acom Co's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Acom Co (ACJJF) has a Gross Margin % of 96.87% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Acom Co and its competitors. This is near median its historical median of 97.11. Over the past decade, Acom Co's Gross Margin % has ranged from 93.36 to 97.93. According to the industry distribution chart, Acom Co ranks #6 out of 387 companies in the Credit Services industry, placing it in the top 1.6%.
Is Acom Co's Gross Margin % too high?
Acom Co's current Gross Margin % of 96.87% is near median its 10-year median of 97.11. Over the past 10 years, this metric has ranged from a low of 93.36 to a high of 97.93. The Credit Services industry median Gross Margin % is 51.88. Acom Co's value of 96.87% is 86.7% above this industry median. Based on the distribution chart, Acom Co ranks #6 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Acom Co has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Acom Co's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Acom Co ranks #6 out of 387 companies for Gross Margin %. This places Acom Co in the top 2% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.88. Acom Co's value of 96.87% is 86.7% above this benchmark. Historically, Acom Co's own Gross Margin % has ranged from 93.36 to 97.93 over the past decade. While the company's 10-year median is 97.11 vs. the industry median of 51.88, Acom Co has consistently been above 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.88, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Acom Co's current Gross Margin % of 96.87% is 86.7% above 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Acom Co and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current Gross Margin % is 96.87%, which is near median its own 10-year median of 97.11. 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?
Acom Co (ACJJF) has a current Gross Margin % of 96.87%. The stock's GF Value™ is $2.43, compared to a current price of $2.44 — trading 0.4% above its estimated fair value. The current Gross Margin % is 96.87%, which is near median its 10-year median of 97.11 and 86.7% above the Credit Services industry median of 51.88. Acom Co's overall GF Score™ is 83/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Acom Co (ACJJF), the current Gross Margin % is 96.87% 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 (ACJJF) Overvalued in 2026?
Based on GuruFocus' analysis, Acom Co stock appears to be overvalued.
The current stock price of $2.44 is trading 0.4% above its estimated GF Value™ of $2.43.
Key valuation signals for ACJJF:
Gross Margin %: 96.87% (near median its 10-year median of 97.11)
GF Value™: $2.43 vs. price of $2.44 (0.4% above fair value)
Industry Position: 86.7% above the Credit Services median (#6 of 387)
No single metric tells the full story. See the ACJJF 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.
83GF Score
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