Acom Co. Ltd (ACJJF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Acom Co. Ltd $2.08, price $2.44, upside -14.8%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $1.77 – $2.79 · fair‑value band $1.26 – $2.10 · the $2.44 price screens above the $2.08 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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. 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 $2.44, while our model-based Fair Value estimate is $2.08, implying the stock looks roughly 17.3% overvalued today.
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Valuation
How firm this estimate is: it rests on 14 models at a data quality of 95/100, which puts the evidence level at high.
Scenario range: $1.26 (bear) to $2.10 (bull), the price of $2.44 sits above 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 48/100 (below-average 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 ¥318B in FY2025 versus ¥266B in FY2021, a compound +4.5%/yr. Reported net income was ¥32.1B in FY2025, compounding −20.1%/yr from FY2021.
Key figures
Market cap $3.8B · P/E ratio 18.8 · P/S ratio 1.90 · EPS (TTM) $0.1300 · Dividend yield 5.6% · Net margin 10.1% · Return on equity 11.4% · Return on assets (EBIT) 5.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 12% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −15%, ACJJF screens richer than that median.
Fair Value models
Bear $1.26Fair Value $2.08Bull $2.10
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.36/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+7.8%
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.
+6.6%
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.
+2.6%
Start year 2020 (pandemic). Over 10 years: +3.8% a year
Revenue growth 11 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.
+4.2%
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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.
+0.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−5.0%
Dividend (yield on the price)5.6%
Profit margin 2020 to 2025 ⓘ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.27% → 18%
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 · 330 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside−14.8% · Below median
Profitability
Return on equity (TTM)11.4% · Above median
Return on assets4.1% · Above median
Net margin (TTM)23.6% · Above median
Operating margin (TTM)15.1% · Below median
Growth and dividend
Revenue growth6.8% · Below median
Dividend yield (TTM)5.6% · Top 25%
Balance sheet
Debt / equity0.60× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Acom Co. Ltd (ACJJF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $2.08 versus a price of $2.44, about −15% upside (overvalued).
What is the fair value of ACJJF?
Our model-based fair value for Acom Co. Ltd is $2.08 (as of Sep 24, 2026), built from audited fundamentals. The current price: $2.44.
What is the quality score of ACJJF?
Acom Co. Ltd has a Quality Score of 48/100. 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 $2.08 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $1.26, optimistic scenario $2.10. 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 $2.08, about −15% upside versus a price of $2.44 (overvalued). Cautious scenario $1.26, optimistic scenario $2.10. 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 ¥338B (latest available figure, as of Sep 24, 2026).
Does Acom Co. Ltd pay a dividend?
Acom Co. Ltd currently shows a dividend yield of about 5.64% relative to its recent price (as of Sep 24, 2026).
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 $2.08 per share (as of Sep 24, 2026), against a price of $2.44. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Acom Co. Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ACJJF trades above its calculated fair value: price $2.44, fair value $2.08, a gap of about −15% (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 ($2.44); the fair value is what the company's own numbers justify ($2.08). For Acom Co. Ltd the two are $0.3600 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 $3.8B (market capitalisation, as of Sep 24, 2026). Per share that is $2.44; our models calculate a fair value of $2.08 per share.
What do the bullish and bearish scenarios say about ACJJF?
Our models span a range for Acom Co. Ltd: cautious scenario $1.26, base $2.08, optimistic $2.10 per share (as of Sep 24, 2026, price $2.44). 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 18.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $2.08 is built from several models across several years. Other multiples: P/B 0.9, P/S 1.8, EV/EBITDA 9.3.
How solid is the balance sheet of Acom Co. Ltd (ACJJF)?
Balance-sheet figures for Acom Co. Ltd (as of Sep 24, 2026): return on equity 11.4%, debt of 0.60 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is ACJJF from its 52-week high?
Acom Co. Ltd trades at $2.44, at its 52-week high of $2.44 and 12% above the low of $2.18 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $2.08 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 Sep 24, 2026: price $2.44, calculated fair value $2.08 (−15%), Quality Score 48/100, from 6 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 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $2.08, 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 16.1 % 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 Sep 25, 2026 was $2.44. Our model-based fair value is $2.08, about −15% upside (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?
The price sits above even our optimistic bull case ($2.10). The favourable scenario is already priced in. Solid but not exceptional quality (48/100) and above fair value, neither a clear bargain nor a standout compounder. 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 $3.8B. 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 1.90 (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 $0.1300 (price ÷ EPS = P/E 18.8). 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 5.6% (payout 106%). 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 10.1% (fiscal year 2025). 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 11.4% (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 5.5% (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 15.1% (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 +6.8% versus a year earlier (3y avg +6.6%). 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 +3.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Acom Co. Ltd (ACJJF) generate?
The free cash flow of Acom Co. Ltd is −¥6.6B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Acom Co. Ltd (ACJJF) carry?
The net debt of Acom Co. Ltd is ¥627B (fiscal year 2025). 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
Sep 24, 2026