Acom CoTSE:8572 +1.45%80 ROE % is 10.26% as of Dec. 2025, which is 7% below its 10-year median of 11.04. GuruFocus rates TSE:8572 with a GF Score™ of 80/100 and a GF Value™ of 円447.96 (Fairly Valued). The stock has 2 warning signs investors should review. Among 529 Credit Services companies, Acom Co ranks better than 69.38% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Acom Co's annualized net income for the quarter that ended in Dec. 2025 was 円70,840 Mil. Acom Co's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was 円690,637 Mil. Therefore, Acom Co's annualized ROE % for the quarter that ended in Dec. 2025 was 10.26%.
The historical rank and industry rank for Acom Co's ROE % or its related term are showing as below:
TSE:8572'
s ROE % Range Over the Past 10 Years
Min: -25.18 Med: 11.04 Max: 24.64
Current: 11.63
During the past 13 years, Acom Co's highest ROE % was 24.64%. The lowest was -25.18%. And the median was 11.04%.
TSE:8572's ROE % is ranked better than 69.38% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs TSE:8572: 11.63
Acom Co (TSE:8572) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Acom Co ROE % Related Terms
Acom Co ROE % Historical Data
* Premium members only.
The historical data trend for Acom Co's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Acom Co's ROE % distribution charts can be found below:
* The bar in red indicates where Acom Co's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Acom Co (TSE:8572) has a ROE % of 10.26% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Acom Co and its competitors. This is near median its historical median of 11.04. According to the industry distribution chart, Acom Co ranks #162 out of 529 companies in the Credit Services industry, placing it in the top 30.6%.
Is Acom Co's ROE % too high?
Acom Co's current ROE % of 10.26% is near median its 10-year median of 11.04. The Credit Services industry median ROE % is 6.61. Acom Co's value of 10.26% is 55.2% above this industry median. Based on the distribution chart, Acom Co ranks #162 out of 529 companies in the Credit Services industry, which is above the industry midpoint. Overall, Acom Co has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Acom Co's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Acom Co ranks #162 out of 529 companies for ROE %. This puts Acom Co in the upper half of its industry. The industry median ROE % is 6.61. Acom Co's value of 10.26% is 55.2% above this benchmark. While the company's 10-year median is 11.04 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Acom Co's current ROE % of 10.26% is 55.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Acom Co and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current ROE % is 10.26%, which is near median its own 10-year median of 11.04. 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 Fairly Valued. The stock's GF Value™ is 円447.96, compared to a current price of 円462.30 — trading 3.2% above its estimated fair value. The current ROE % is 10.26%, which is near median its 10-year median of 11.04 and 55.2% above the Credit Services industry median of 6.61. Acom Co's overall GF Score™ is 80/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Acom Co (TSE:8572), the current ROE % is 10.26% 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 (TSE:8572) Overvalued in 2026?
Based on GuruFocus' analysis, Acom Co stock appears to be overvalued.
The current stock price of 円462.30 is trading 3.2% above its estimated GF Value™ of 円447.96.
GuruFocus considers Acom Co to be Fairly Valued.
Key valuation signals for TSE:8572:
ROE %: 10.26% (near median its 10-year median of 11.04)
GF Value™: 円447.96 vs. price of 円462.30 (3.2% above fair value)
Industry Position: 55.2% above the Credit Services median (#162 of 529)
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.
80GF Score
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