Acom CoACJJF 80 Net Margin % is 20.69% as of Dec. 2025, which is 0% above its 10-year median of 20.65. GuruFocus rates ACJJF with a GF Score™ of 80/100 and a GF Value™ of $2.43. The stock has 2 warning signs investors should review. Among 534 Credit Services companies, Acom Co ranks better than 65.73% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Acom Co's Net Income for the
three
months ended in Dec. 2025 was $114 Mil. Acom Co's Revenue for the
three
months ended in Dec. 2025 was $549 Mil. Therefore, Acom Co's net margin for the quarter that ended in Dec. 2025 was 20.69%.
The historical rank and industry rank for Acom Co's Net Margin % or its related term are showing as below:
ACJJF'
s Net Margin % Range Over the Past 10 Years
Min: -29.45 Med: 20.65 Max: 29.61
Current: 23.58
ACJJF's Net Margin % is ranked better than 65.73% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs ACJJF: 23.58
Acom Co (OTCPK:ACJJF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Acom Co Net Margin % Related Terms
Acom Co Net Margin % Historical Data
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The historical data trend for Acom Co's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Acom Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Acom Co's Net 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.
Acom Co (ACJJF) has a Net Margin % of 20.69% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Acom Co and its competitors. This is near median its historical median of 20.65. According to the industry distribution chart, Acom Co ranks #183 out of 534 companies in the Credit Services industry, placing it in the top 34.3%.
Is Acom Co's Net Margin % too high?
Acom Co's current Net Margin % of 20.69% is near median its 10-year median of 20.65. The Credit Services industry median Net Margin % is 14.52. Acom Co's value of 20.69% is 42.5% above this industry median. Based on the distribution chart, Acom Co ranks #183 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, Acom Co has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Acom Co's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Acom Co ranks #183 out of 534 companies for Net Margin %. This puts Acom Co in the upper half of its industry. The industry median Net Margin % is 14.52. Acom Co's value of 20.69% is 42.5% above this benchmark. While the company's 10-year median is 20.65 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Acom Co's current Net Margin % of 20.69% is 42.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Acom Co and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current Net Margin % is 20.69%, which is near median its own 10-year median of 20.65. 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 Net Margin % of 20.69%. 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 Net Margin % is 20.69%, which is near median its 10-year median of 20.65 and 42.5% above the Credit Services industry median of 14.52. Acom Co's overall GF Score™ is 80/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Acom Co (ACJJF), the current Net Margin % is 20.69% 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:
Net Margin %: 20.69% (near median its 10-year median of 20.65)
GF Value™: $2.43 vs. price of $2.44 (0.4% above fair value)
Industry Position: 42.5% above the Credit Services median (#183 of 534)
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.
80GF Score
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