Acom Co (ACJJF) Fair Value & Analysis
Financial Services · US · Market cap $3.8B
Acom Co
ACJJF · US
Fair value as of: Jul 25, 2026
From 6 valuation models · updated 16 days ago
Fair value updated Jul 25, 2026, revised from $1.65 to $1.63 (−1.2%) since Jun 26, 2026.
Below-average quality, and screening another 33% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($2.03). 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.
How to read this chart
60‑month range $1.77 – $2.79 · fair‑value band $1.22 – $2.03 · the $2.44 price screens above the $1.63 fair value. Dashed = 300-day average. As of Jul 25, 2026.
Analysis
Acom Co (ACJJF) currently trades at $2.44, while our model-based Fair Value estimate is $1.63, implying the stock looks roughly 33.2% overvalued today. The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Acom Co generated revenue of $338B at a net margin of 23.6%. Revenue grew 6.8% year over year. It earns a return on equity of 11.4%. Net debt stands at $627B. Fundamentals as of Jul 25, 2026
Our scenario range runs from $1.22 (bear case) to $2.03 (bull case); at $2.44, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 14% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -33%, ACJJF screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Economic Profit ($335.38) versus DCF Models ($32.18). Highest evidence: P/E Multiple (63).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 25, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 70
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Acom Co 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.
ACJJF screens 33% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 333 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
Compare Acom Co with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Acom Co (ACJJF) overvalued or undervalued?
What is the fair value of ACJJF?
What is the quality score of ACJJF?
What is the revenue of Acom Co (ACJJF)?
What is the net profit margin of ACJJF?
Does Acom Co pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Acom Co and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.