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Acom CoTSE:8572 +1.00%81 Net Margin % is 12.66% as of Mar. 2026, which is 39% below its 10-year median of 20.65. GuruFocus rates TSE:8572 with a GF Score™ of 81/100 and a GF Value™ of 円18,376.28 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 537 Credit Services companies, Acom Co ranks better than 64.99% 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 Mar. 2026 was 円10,947 Mil. Acom Co's Revenue for the
three
months ended in Mar. 2026 was 円86,442 Mil. Therefore, Acom Co's net margin for the quarter that ended in Mar. 2026 was 12.66%.
The historical rank and industry rank for Acom Co's Net Margin % or its related term are showing as below:
TSE:8572'
s Net Margin % Range Over the Past 10 Years
Min: -29.45 Med: 20.65 Max: 29.61
Current: 18.79
TSE:8572's Net Margin % is ranked better than 64.99% of 537
companies
in the Credit Services industry
Industry Median: 15.07
vs TSE:8572: 18.79
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
* Premium members only.
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 (TSE:8572) has a Net Margin % of 12.66% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Acom Co and its competitors. This is 39% below median its historical median of 20.65. According to the industry distribution chart, Acom Co ranks #188 out of 537 companies in the Credit Services industry, placing it in the top 35%.
Is Acom Co's Net Margin % too high?
Acom Co's current Net Margin % of 12.66% is 39% below median its 10-year median of 20.65. The Credit Services industry median Net Margin % is 15.07. Acom Co's value of 12.66% is 16% below this industry median. Based on the distribution chart, Acom Co ranks #188 out of 537 companies in the Credit Services industry, which is above the industry midpoint. Overall, Acom Co has a GF Score™ of 81/100 and is considered Significantly Undervalued, 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 #188 out of 537 companies for Net Margin %. This puts Acom Co in the upper half of its industry. The industry median Net Margin % is 15.07. Acom Co's value of 12.66% is 16% below this benchmark. While the company's 10-year median is 20.65 vs. the industry median of 15.07, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.07, based on 537 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 12.66% is 16% 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 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 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current Net Margin % is 12.66%, which is 39% below 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?
Based on GuruFocus' analysis, Acom Co (TSE:8572) is currently considered Significantly Undervalued. The stock's GF Value™ is 円18,376.28, compared to a current price of 円474.50 — trading 97.4% below its estimated fair value. The current Net Margin % is 12.66%, which is 39% below median its 10-year median of 20.65 and 16% below the Credit Services industry median of 15.07. Acom Co's overall GF Score™ is 81/100 with 3 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 (TSE:8572), the current Net Margin % is 12.66% as of Mar. 2026. 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 undervalued.
The current stock price of 円474.50 is trading 97.4% below its estimated GF Value™ of 円18,376.28.
GuruFocus considers Acom Co to be Significantly Undervalued.
Key valuation signals for TSE:8572:
Net Margin %: 12.66% (39% below median its 10-year median of 20.65)
GF Value™: 円18,376.28 vs. price of 円474.50 (97.4% below fair value)
Industry Position: 16% below the Credit Services median (#188 of 537)
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.
81GF Score
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