Acom Co. Ltd (ACJJF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Acom Co. Ltd stock $2.52, price $2.78, that is 9.5% below the price, quality 59 out of 100. Rating: overvalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.
How to read this chart
60‑month range $2.00 – $3.15 · fair‑value band $1.66 – $3.79 · the $2.78 price screens above the $2.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.
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Acom Co., Ltd. engages in financial services business in Japan, Thailand, and internationally. It operates through Loan and Credit Card Business, Guarantee Business, Overseas Financial Business, Loan Servicing Business, and Others segments.
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The company offers loans; unsecured loan and installment loan; credit card; and loan servicing; and embedded finance services. Acom Co., Ltd. was founded in 1936 and is headquartered in Tokyo, Japan.
Stock analysis
Acom Co. Ltd (ACJJF) currently trades at $2.78, while our model-based Fair Value estimate is $2.52, 9% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $5.68 per share, and 4 of the 11 models we run sit above the $2.78 price.
Bear case: the Growth DCF group reads lowest at $1.03, and 7 of the 11 models stay below the price. Data coverage for this calculation is high.
Scenario range: $1.66 (bear) to $3.79 (bull), the price of $2.78 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 59/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Acom Co. Ltd reported revenue of ¥338B in FY2026 versus ¥262B in FY2022, a compound +6.5%/yr. Reported net income was ¥79.6B in FY2026, compounding +9.4%/yr from FY2022.
Key figures
Market cap $4.4B Mid · P/E ratio 12.7 · P/S ratio 2.98 · EPS (TTM) $0.2200 · Dividend yield 4.9% · Net margin 23.6% · Return on equity 9.4% · Return on assets (EBIT) 5.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).
What moves the price
The share trades about 14% above its previous 52-week high, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −2% fair-value upside, at −9%, ACJJF screens richer than that median.
Fair Value models
Bear$1.66Fair Value $2.52Bull$3.79
Price $2.78 · Downside -9.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.0510 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.54/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+6.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.9%
Start year 2021 (pandemic). Over 10 years: +3.6% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.4%
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What shareholders gained per year (last 5 years), in JPY ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
≈ +10.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.8%
Dividend (yield on the price)4.9%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.37% → 30%
⚠ Rate on operating basis: 2026 sits 50% above its own trend.
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+52.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+4.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in JPY, Japan: IMF forecast 2.1% a year to 2030, 1.3% from 2016 to 2025) that is about +49.7% a year for the price and +2.7% for the forecasts.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 327 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside−9.5% · Below median
Profitability
Return on equity (12 months)9.4% · Above median
Return on assets4.9% · Top 25%
Net margin (12 months)18.8% · Below median
Operating margin (12 months)36.0% · Above median
Growth and dividend
Revenue growth (quarter YoY)7.7% · Below median
Dividend yield (12 months)4.9% · Above median
Balance sheet
Debt / equity0.52× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Acom Co. Ltd (ACJJF) overvalued or undervalued?
As of Nov 10, 2026, our model estimates a fair value of $2.52 versus a price of $2.78, about 9% lower (overvalued).
What is the fair value of ACJJF?
Our model-based fair value for Acom Co. Ltd is $2.52 (as of Nov 10, 2026), built from audited fundamentals. The current price: $2.78.
What is the quality score of ACJJF?
Acom Co. Ltd has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Acom Co. Ltd (ACJJF)?
Our model-based price target is the fair value of $2.52 (as of Nov 10, 2026) from 11 valuation models. Cautious scenario $1.66, optimistic scenario $3.79. It is a calculation from audited fundamentals, not an analyst target.
What is the Acom Co. Ltd stock forecast for 2026?
Our models put fair value at $2.52, about 9% lower versus a price of $2.78 (overvalued). Cautious scenario $1.66, optimistic scenario $3.79. The calculation is refreshed regularly with new filings.
What is the revenue of Acom Co. Ltd (ACJJF)?
Acom Co. Ltd reported trailing-twelve-month revenue of about ¥344B (latest available figure, as of Nov 10, 2026).
Does Acom Co. Ltd pay a dividend?
Acom Co. Ltd currently shows a dividend yield of 4.95% relative to its recent price (as of Nov 10, 2026).
How much is the dividend of Acom Co. Ltd (ACJJF) and when is the ex-dividend date?
Acom Co. Ltd pays a dividend of $0.138 per share a year, a dividend yield of 4.9%. The next ex-dividend date is Mar 30, 2027. A dividend has been paid every year since 2018. The payout ratio is 43.3% of earnings. Free cash flow covers the dividend 0.18 times. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What growth is priced into Acom Co. Ltd (ACJJF)?
For today's price to be fair in a discounted-cash-flow model, Acom Co. Ltd would have to grow free cash flow by +52.9 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.9 % per year. As of Nov 10, 2026.
What discount rate (WACC) does the fair value of ACJJF use?
Our models discount Acom Co. Ltd at 8.5 %: a base by market capitalisation (mid), damped by beta 0.40, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Acom Co. Ltd that is +52.9 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Acom Co. Ltd (ACJJF) delivered so far?
Over the past 5 years revenue at Acom Co. Ltd grew +4.9 % a year. The price currently implies free-cash-flow growth of +52.9 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Acom Co. Ltd (ACJJF) growing?
The median revenue growth in the sector is +8.9 % a year. That is the yardstick for the growth priced into Acom Co. Ltd (+52.9 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Acom Co. Ltd (ACJJF)?
The free-cash-flow yield on the price is 0.90 %: that much free cash flow Acom Co. Ltd produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Acom Co. Ltd (ACJJF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Acom Co. Ltd it is $2.52 per share (as of Nov 10, 2026), against a price of $2.78. It is the blended result of 11 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Acom Co. Ltd stock overvalued or undervalued in 2026?
As of Nov 10, 2026, ACJJF trades above its calculated fair value: price $2.78, fair value $2.52, a gap of about −9% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ACJJF?
No. The price is what the market pays today ($2.78); the fair value is what the company's own numbers justify ($2.52). For Acom Co. Ltd the two are $0.2643 per share apart. That gap is exactly why we show both numbers side by side.
How much is Acom Co. Ltd worth?
The market values Acom Co. Ltd at about $4.4B (market capitalisation, as of Nov 10, 2026). Per share that is $2.78; our models calculate a fair value of $2.52 per share.
What do the bullish and bearish scenarios say about ACJJF?
Our models span a range for Acom Co. Ltd: cautious scenario $1.66, base $2.52, optimistic $3.79 per share (as of Nov 10, 2026, price $2.78). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ACJJF?
Acom Co. Ltd trades at a price-to-earnings ratio of 12.7 (as of Nov 10, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $2.52 is built from several models across several years. Other multiples: P/B 1.0, P/S 2.0, EV/EBITDA 8.2.
How solid is the balance sheet of Acom Co. Ltd (ACJJF)?
Balance-sheet figures for Acom Co. Ltd (as of Nov 10, 2026): return on equity 9.4%, debt of 0.52 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is ACJJF from its 52-week high?
Acom Co. Ltd trades at $2.78, about 14% above its previous 52-week high of $2.44 and 25% above the low of $2.23 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $2.52 is for.
Which stocks are comparable to Acom Co. Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Acom Co. Ltd stock attractive at the current price?
The data as of Nov 10, 2026: price $2.78, calculated fair value $2.52 (−9%), Quality Score 59/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ACJJF calculated?
We run Acom Co. Ltd through 11 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $2.52 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0% above its aggregate fair value. Acom Co. Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Acom Co. Ltd (ACJJF)?
The closing price on Nov 6, 2026 was $2.78. Our model-based fair value is $2.52, about 9% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Acom Co. Ltd right now?
A fairly wide model range ($1.66 to $3.79) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Acom Co. Ltd
How large is the market capitalisation of Acom Co. Ltd (ACJJF)?
The market capitalisation of Acom Co. Ltd is $4.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Acom Co. Ltd (ACJJF)?
The price-to-sales ratio of Acom Co. Ltd is 2.98 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Acom Co. Ltd (ACJJF)?
Earnings per share at Acom Co. Ltd are $0.2200 (price ÷ EPS = P/E 12.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Acom Co. Ltd (ACJJF)?
The dividend yield of Acom Co. Ltd is 4.9% (payout 62.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Acom Co. Ltd (ACJJF)?
The net margin of Acom Co. Ltd is 23.6% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Acom Co. Ltd (ACJJF)?
The return on equity (ROE) of Acom Co. Ltd is 9.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Acom Co. Ltd (ACJJF)?
On an EBIT basis the return on assets of Acom Co. Ltd is 5.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Acom Co. Ltd (ACJJF)?
The operating margin of Acom Co. Ltd is 36.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Acom Co. Ltd (ACJJF)?
Revenue at Acom Co. Ltd is growing +7.7% versus a year earlier (3y avg +7.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Acom Co. Ltd (ACJJF)?
Earnings per share at Acom Co. Ltd are growing −43.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Acom Co. Ltd (ACJJF) carry?
The net debt of Acom Co. Ltd is ¥652B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 10, 2026