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Acom CoACJJF 68 3-Year ROIIC % is 8.39 as of Mar. 2026, which is 67% above its 10-year median of 5.03. GuruFocus rates ACJJF with a GF Score™ of 68/100 and a GF Value™ of $2.28. The stock has 2 warning signs investors should review. Among 392 Credit Services companies, Acom Co ranks better than 71.17% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Acom Co's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 8.39%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Acom Co's 3-Year ROIIC % or its related term are showing as below:
ACJJF's 3-Year ROIIC % is ranked better than 71.17% of 392
companies
in the Credit Services industry
Industry Median: 2.76
vs ACJJF: 8.39
Acom Co (OTCPK:ACJJF) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Acom Co 3-Year ROIIC % Related Terms
Acom Co 3-Year ROIIC % Historical Data
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The historical data trend for Acom Co's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Acom Co's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Acom Co's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Acom Co (ACJJF) has a 3-Year ROIIC % of 8.39 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Acom Co and its competitors. This is 67% above median its historical median of 5.03. According to the industry distribution chart, Acom Co ranks #113 out of 392 companies in the Credit Services industry, placing it in the top 28.8%.
Is Acom Co's 3-Year ROIIC % too high?
Acom Co's current 3-Year ROIIC % of 8.39 is 67% above median its 10-year median of 5.03. The Credit Services industry median 3-Year ROIIC % is 2.76. Acom Co's value of 8.39 is 204% above this industry median. Based on the distribution chart, Acom Co ranks #113 out of 392 companies in the Credit Services industry, which is above the industry midpoint. Overall, Acom Co has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Acom Co's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Acom Co ranks #113 out of 392 companies for 3-Year ROIIC %. This puts Acom Co in the upper half of its industry. The industry median 3-Year ROIIC % is 2.76. Acom Co's value of 8.39 is 204% above this benchmark. While the company's 10-year median is 5.03 vs. the industry median of 2.76, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.76, based on 392 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Acom Co's current 3-Year ROIIC % of 8.39 is 204% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Acom Co and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Acom Co's current 3-Year ROIIC % is 8.39, which is 67% above median its own 10-year median of 5.03. 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 3-Year ROIIC % of 8.39. The stock's GF Value™ is $2.28, compared to a current price of $2.44 — trading 7% above its estimated fair value. The current 3-Year ROIIC % is 8.39, which is 67% above median its 10-year median of 5.03 and 204% above the Credit Services industry median of 2.76. Acom Co's overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Acom Co (ACJJF), the current 3-Year ROIIC % is 8.39 as of Mar. 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 7% above its estimated GF Value™ of $2.28.
Key valuation signals for ACJJF:
3-Year ROIIC %: 8.39 (67% above median its 10-year median of 5.03)
GF Value™: $2.28 vs. price of $2.44 (7% above fair value)
Industry Position: 204% above the Credit Services median (#113 of 392)
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.
68GF Score
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