Acom CoACJJF 82 PB Ratio is 0.84 as of Jul. 01, 2026, which is 40% below its 10-year median of 1.41. GuruFocus rates ACJJF with a GF Score™ of 82/100 and a GF Value™ of $2.43. The stock has 2 warning signs investors should review. Among 524 Credit Services companies, Acom Co ranks better than 52.86% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-01), Acom Co's share price is $2.44. Acom Co's Book Value per Share for the quarter that ended in Dec. 2025 was $2.89. Hence, Acom Co's PB Ratio of today is 0.84.
The historical rank and industry rank for Acom Co's PB Ratio or its related term are showing as below:
ACJJF'
s PB Ratio Range Over the Past 10 Years
Min: 0.84 Med: 1.41 Max: 3.3
Current: 0.98
During the past 13 years, Acom Co's highest PB Ratio was 3.30. The lowest was 0.84. And the median was 1.41.
ACJJF's PB Ratio is ranked better than 52.86% of 524
companies
in the Credit Services industry
Industry Median: 1.05
vs ACJJF: 0.98
During the past 12 months, Acom Co's average Book Value Per Share Growth Rate was 10.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Acom Co was 18.40% per year. The lowest was -21.30% per year. And the median was 6.60% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Acom Co PB Ratio Related Terms
Acom Co PB Ratio Historical Data
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The historical data trend for Acom Co's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Acom Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Acom Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Acom Co's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Acom Co (ACJJF) has a PB Ratio of 0.84 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Acom Co and its competitors. This is 40% below median its historical median of 1.41. Over the past decade, Acom Co's PB Ratio has ranged from 0.84 to 3.30. According to the industry distribution chart, Acom Co ranks #247 out of 524 companies in the Credit Services industry, placing it in the top 47.1%.
Is Acom Co's PB Ratio too high?
Acom Co's current PB Ratio of 0.84 is 40% below median its 10-year median of 1.41. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 3.30. The Credit Services industry median PB Ratio is 1.05. Acom Co's value of 0.84 is 20% below this industry median. Based on the distribution chart, Acom Co ranks #247 out of 524 companies in the Credit Services industry, which is above the industry midpoint. Overall, Acom Co has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Acom Co's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Acom Co ranks #247 out of 524 companies for PB Ratio. This puts Acom Co in the upper half of its industry. The industry median PB Ratio is 1.05. Acom Co's value of 0.84 is 20% below this benchmark. Historically, Acom Co's own PB Ratio has ranged from 0.84 to 3.30 over the past decade. While the company's 10-year median is 1.41 vs. the industry median of 1.05, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Acom Co's current PB Ratio of 0.84 is 20% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Acom Co and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current PB Ratio is 0.84, which is 40% below median its own 10-year median of 1.41. 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 PB Ratio of 0.84. 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 PB Ratio is 0.84, which is 40% below median its 10-year median of 1.41 and 20% below the Credit Services industry median of 1.05. Acom Co's overall GF Score™ is 82/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Acom Co (ACJJF), the current PB Ratio is 0.84 as of Jul. 01, 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 (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:
PB Ratio: 0.84 (40% below median its 10-year median of 1.41)
GF Value™: $2.43 vs. price of $2.44 (0.4% above fair value)
Industry Position: 20% below the Credit Services median (#247 of 524)
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.
82GF Score
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