Acom CoACJJF 81 Quick Ratio is 4.01 as of Dec. 2025, which is 16% below its 10-year median of 4.77. GuruFocus rates ACJJF with a GF Score™ of 81/100 and a GF Value™ of $2.43. The stock has 2 warning signs investors should review. Among 394 Credit Services companies, Acom Co ranks worse than 52.79% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Acom Co's quick ratio for the quarter that ended in Dec. 2025 was 4.01.
Acom Co has a quick ratio of 4.01. It generally indicates good short-term financial strength.
The historical rank and industry rank for Acom Co's Quick Ratio or its related term are showing as below:
ACJJF'
s Quick Ratio Range Over the Past 10 Years
Min: 3.58 Med: 4.77 Max: 6.58
Current: 3.72
During the past 13 years, Acom Co's highest Quick Ratio was 6.58. The lowest was 3.58. And the median was 4.77.
ACJJF's Quick Ratio is ranked worse than 52.79% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs ACJJF: 3.72
Acom Co (OTCPK:ACJJF) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Acom Co Quick Ratio Related Terms
Acom Co Quick Ratio Historical Data
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The historical data trend for Acom Co's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Acom Co's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Acom Co's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Acom Co's Quick Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Quick Ratio of 4.01 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Acom Co and its competitors. This is 16% below median its historical median of 4.77. Over the past decade, Acom Co's Quick Ratio has ranged from 3.58 to 6.58. According to the industry distribution chart, Acom Co ranks #208 out of 394 companies in the Credit Services industry, placing it in the top 52.8%.
Is Acom Co's Quick Ratio too high?
Acom Co's current Quick Ratio of 4.01 is 16% below median its 10-year median of 4.77. Over the past 10 years, this metric has ranged from a low of 3.58 to a high of 6.58. The Credit Services industry median Quick Ratio is 4.93. Acom Co's value of 4.01 is 18.7% below this industry median. Based on the distribution chart, Acom Co ranks #208 out of 394 companies in the Credit Services industry, which is below the industry midpoint. Overall, Acom Co has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Acom Co's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Acom Co ranks #208 out of 394 companies for Quick Ratio. This places Acom Co in the lower half of its industry. The industry median Quick Ratio is 4.93. Acom Co's value of 4.01 is 18.7% below this benchmark. Historically, Acom Co's own Quick Ratio has ranged from 3.58 to 6.58 over the past decade. While the company's 10-year median is 4.77 vs. the industry median of 4.93, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Acom Co's current Quick Ratio of 4.01 is 18.7% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Acom Co and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current Quick Ratio is 4.01, which is 16% below median its own 10-year median of 4.77. 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 Quick Ratio of 4.01. 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 Quick Ratio is 4.01, which is 16% below median its 10-year median of 4.77 and 18.7% below the Credit Services industry median of 4.93. Acom Co's overall GF Score™ is 81/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Acom Co (ACJJF), the current Quick Ratio is 4.01 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:
Quick Ratio: 4.01 (16% below median its 10-year median of 4.77)
GF Value™: $2.43 vs. price of $2.44 (0.4% above fair value)
Industry Position: 18.7% below the Credit Services median (#208 of 394)
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.
81GF Score
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