ACJJF (Acom Co) Retained Earnings: $3,359 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ACJJF Acom Co Ltd ACJJF
67 GF Score
Price $2.44
GF Value $2.26
! 4 Warning Signs
View Full Analysis

What is Acom Co Retained Earnings?

Acom Co ACJJF 67 Retained Earnings is $3,359 Mil as of Dec. 2025. GuruFocus rates ACJJF with a GF Score™ of 67/100 and a GF Value™ of $2.26. The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Acom Co's retained earnings for the quarter that ended in Dec. 2025 was $3,359 Mil.

Acom Co's quarterly retained earnings increased from Jun. 2025 ($3,494 Mil) to Sep. 2025 ($3,528 Mil) but then declined from Sep. 2025 ($3,528 Mil) to Dec. 2025 ($3,359 Mil).

Acom Co's annual retained earnings increased from Mar. 2024 ($3,136 Mil) to Mar. 2025 ($3,231 Mil) and increased from Mar. 2025 ($3,231 Mil) to Mar. 2026 ($3,369 Mil).


Acom Co  (OTCPK:ACJJF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Acom Co Retained Earnings Historical Data

* Premium members only.

The historical data trend for Acom Co's Retained Earnings 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.

Acom Co Retained Earnings Chart

Acom Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3,315.67 3,246.87 3,136.12 3,231.02 3,369.05

Acom Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,231.02 3,493.55 3,527.73 3,358.64 3,369.05
ACJJF
67GF Score
Acom Co Ltd ACJJF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Acom Co Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $3,359 Mil mean?
Acom Co (ACJJF) has a Retained Earnings of $3,359 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Acom Co and its competitors.
Is Acom Co's Retained Earnings too high?
Acom Co's current Retained Earnings is $3,359 Mil. Overall, Acom Co has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Acom Co's Retained Earnings compare to V and MA?
Acom Co's Retained Earnings of $3,359 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Credit Services company?
A good Retained Earnings depends on the Credit Services industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Acom Co and its competitors. Acom Co's current Retained Earnings is $3,359 Mil. 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 Retained Earnings of $3,359 Mil. The stock's GF Value™ is $2.26, compared to a current price of $2.44 — trading 8% above its estimated fair value. The current Retained Earnings is $3,359 Mil. Acom Co's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Acom Co (ACJJF), the current Retained Earnings is $3,359 Mil 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 8% above its estimated GF Value™ of $2.26.

Key valuation signals for ACJJF:

  • Retained Earnings: $3,359 Mil
  • GF Value™: $2.26 vs. price of $2.44 (8% above fair value)
  • GF Score™: 67/100 with 4 warning signs

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 Business Description

Other Exchanges 8572:JapanAK5:Germany
Address 9-1, Higashi Shinbashi 1-chome, Minato-ku, Tokyo, JPN, 100-8307
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.
67GF Score

Get the complete analysis for ACJJF

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.44
Price
$2.26
GF Value