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Axactor ASA (ACR) Fair Value & Analysis

Financial Services · NO · Market cap 4.2B NOK

AA Axactor ASA ACR · OL
Pricekr 4.75
Fair Valuekr 0.5600
Upside-88.2%
Quality95/100
Evidence: High Range kr 0.3900 – kr 0.7500

Fair value as of: Jun 26, 2026

From 24 valuation models · updated 3 days ago

Share price −1.9% over the past month.

Price vs Fair Value (12 months)

kr 8.48 kr 4.56 Fair Value kr 0.5600 Jun 2025 Jun 2026

12‑month range kr 4.56 – kr 8.48 · fair‑value band kr 0.3900 – kr 0.7500 · the kr 4.75 price screens above the kr 0.5600 fair value. As of Jun 26, 2026.

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Analysis

Axactor ASA (ACR) currently trades at kr 4.75, while our model-based Fair Value estimate is kr 0.5600 — implying the stock looks roughly 88.2% overvalued today. We read business quality at 95/100 (high 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: high).

Over the trailing twelve months, Axactor ASA generated revenue of 243M NOK at a net margin of 11.2%. Revenue declined 15.4% year over year. It earns a return on equity of 7.5%. Net debt stands at 801M NOK. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 243M NOK
Revenue growth (YoY) -15.4%
Net margin 11.2%
Return on equity 7.5%
Free cash flow 140M NOK FY2025
P/E ratio 5.6
More key figures
Operating margin 37.5%
EPS (TTM) kr 0.8900
EPS growth (YoY) -87.9%
Net debt 801M NOK FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

Axactor ASA, through its subsidiaries, operates as a debt management and collection company in Sweden, Finland, Germany, Italy, Norway, and Spain. It operates through two segments: Non-performing Loans (NPL) and Third-Party Collection (3PC). The NPL segment invests in portfolios of non-performing loans collected through amicable or legal proceedings. The 3PC segment provides debt collection services on behalf of third-party clients, which applies amicable and legal proceedings to collect the non-performing loans. This segment also involved in helping creditors to prepare documentation for future legal proceedings against debtors; and handling of invoices between the invoice date and the default date and sending out reminders. Axactor ASA was incorporated in 1982 and is based in Oslo, Norway.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Axactor ASA reported revenue of kr 258M in FY2025 versus kr 158M in FY2021, a compound +13.0%/yr. Reported net income was kr 36.0M in FY2025.

Revenue +13.0%/yr
FY21 kr 158M
FY22 kr 242M
FY23 kr 257M
FY24 kr 130M
FY25 kr 258M
Net income
FY21 −kr 32.8M
FY22 kr 36.8M
FY23 kr 30.8M
FY24 −kr 79.5M
FY25 kr 36.0M

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Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

Stock Price Fair Value vs Fair Value
Visa Inc V 5,663 MXN 3,002 MXN -47%
Mastercard Incorporated MA C$29.95 C$17.76 -41%
M4I M4I €430.50 €367.81 -15%
American Express Company AXP C$28.87 C$24.27 -16%
Capital One Financial Corporation COF $200.70 $125.08 -38%
Bajaj Finance Limited BAJFINANCE ₹884.10 ₹604.72 -32%

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Frequently asked questions

Is Axactor ASA (ACR) undervalued?
As of Jun 26, 2026, our model estimates a fair value of kr 0.5600 versus a price of kr 4.75 — about −88% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ACR?
Our 21-model fair value for Axactor ASA is kr 0.5600 (as of Jun 26, 2026), built from audited fundamentals. The current price is kr 4.75.
What is the quality score of ACR?
Axactor ASA has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Axactor ASA (ACR)?
Axactor ASA reported trailing-twelve-month revenue of about 243M NOK (latest available figure, as of Jun 26, 2026).
What is the net profit margin of ACR?
The net profit margin of Axactor ASA is about 11.2%, meaning it keeps roughly 11.2% of revenue as net income. Based on the latest reported figures.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.