ACJJF (Acom Co) LT-Debt-to-Total-Asset: 0.25 (As of Dec. 2025)

Acom Co ACJJF 78 LT-Debt-to-Total-Asset is 0.25 as of Dec. 2025. GuruFocus rates ACJJF with a GF Score™ of 78/100 and a GF Value™ of $2.43. The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Acom Co's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.25.

Acom Co's long-term debt to total assets ratio declined from Dec. 2024 (0.30) to Dec. 2025 (0.25). It may suggest that Acom Co is progressively becoming less dependent on debt to grow their business.

Acom Co (OTCPK:ACJJF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Acom Co LT-Debt-to-Total-Asset Related Terms

Acom Co LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Acom Co's LT-Debt-to-Total-Asset 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.

Acom Co LT-Debt-to-Total-Asset Chart

Acom Co Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

LT-Debt-to-Total-Asset

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0.30

0.29

0.23

Acom Co Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.29	0.27	0.27	0.25	0.23

78GF Score

Acom Co Ltd ACJJF

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Acom Co LT-Debt-to-Total-Asset Calculation

Acom Co's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	2376.195	/	10186.233
	=	0.23

Acom Co's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	2531.899	/	9985.492
	=	0.25

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.25 mean?

Acom Co (ACJJF) has a LT-Debt-to-Total-Asset of 0.25 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Acom Co and its competitors.

Is Acom Co's LT-Debt-to-Total-Asset too high?

Acom Co's current LT-Debt-to-Total-Asset is 0.25. Overall, Acom Co has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.

How does Acom Co's LT-Debt-to-Total-Asset compare to V and MA?

Acom Co's LT-Debt-to-Total-Asset of 0.25 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Acom Co and its competitors. Acom Co's current LT-Debt-to-Total-Asset is 0.25. 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 LT-Debt-to-Total-Asset of 0.25. 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 LT-Debt-to-Total-Asset is 0.25. Acom Co's overall GF Score™ is 78/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Acom Co (ACJJF), the current LT-Debt-to-Total-Asset is 0.25 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:

LT-Debt-to-Total-Asset: 0.25
GF Value™: $2.43 vs. price of $2.44 (0.4% above fair value)
GF Score™: 78/100 with 2 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies TSE:8253 TSE:8252 TSE:7164 TSE:8425 TSE:8570 TSE:547A TSE:8566 TSE:8511 TSE:8584 TSE:8585 V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges 8572:Japan AK5:Germany

Address 9-1, Higashi Shinbashi 1-chome, Minato-ku, Tokyo, JPN, 100-8307

Website https://www.acom.co.jp

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.

78GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.44

Price

$2.43

GF Value

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