Acom CoACJJF 83 Pretax Margin % is 32.59% as of Dec. 2025, which is 12% above its 10-year median of 29.03. 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 533 Credit Services companies, Acom Co ranks better than 63.04% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Acom Co's Pre-Tax Income for the
three
months ended in Dec. 2025 was $179 Mil. Acom Co's Revenue for the
three
months ended in Dec. 2025 was $549 Mil. Therefore, Acom Co's pretax margin for the quarter that ended in Dec. 2025 was 32.59%.
The historical rank and industry rank for Acom Co's Pretax Margin % or its related term are showing as below:
ACJJF'
s Pretax Margin % Range Over the Past 10 Years
Min: -28.35 Med: 29.03 Max: 37.29
Current: 29.83
ACJJF's Pretax Margin % is ranked better than 63.04% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs ACJJF: 29.83
Acom Co (OTCPK:ACJJF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Acom Co Pretax Margin % Related Terms
Acom Co Pretax Margin % Historical Data
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The historical data trend for Acom Co's Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Acom Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Acom Co's Pretax 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 Pretax Margin % of 32.59% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Acom Co and its competitors. This is 12% above median its historical median of 29.03. According to the industry distribution chart, Acom Co ranks #197 out of 533 companies in the Credit Services industry, placing it in the top 37%.
Is Acom Co's Pretax Margin % too high?
Acom Co's current Pretax Margin % of 32.59% is 12% above median its 10-year median of 29.03. The Credit Services industry median Pretax Margin % is 20.02. Acom Co's value of 32.59% is 62.8% above this industry median. Based on the distribution chart, Acom Co ranks #197 out of 533 companies in the Credit Services industry, which is above the industry midpoint. 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Acom Co ranks #197 out of 533 companies for Pretax Margin %. This puts Acom Co in the upper half of its industry. The industry median Pretax Margin % is 20.02. Acom Co's value of 32.59% is 62.8% above this benchmark. While the company's 10-year median is 29.03 vs. the industry median of 20.02, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Acom Co's current Pretax Margin % of 32.59% is 62.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Acom Co and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current Pretax Margin % is 32.59%, which is 12% above median its own 10-year median of 29.03. 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 Pretax Margin % of 32.59%. 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 Pretax Margin % is 32.59%, which is 12% above median its 10-year median of 29.03 and 62.8% above the Credit Services industry median of 20.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Acom Co (ACJJF), the current Pretax Margin % is 32.59% 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:
Pretax Margin %: 32.59% (12% above median its 10-year median of 29.03)
GF Value™: $2.43 vs. price of $2.44 (0.4% above fair value)
Industry Position: 62.8% above the Credit Services median (#197 of 533)
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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