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Major Japanese consumer finance company offering unsecured personal loans, part of Mitsubishi UFJ Financial Group.
Major Japanese consumer finance company offering unsecured personal loans, part of Mitsubishi UFJ Financial Group.
Earns interest on unsecured personal loans at rates that Japanese law caps, so profit depends on credit losses and the cost of funds. Guarantee fees from banks that sell personal loans under its underwriting add a steadier line. Overseas units in Southeast Asia are a smaller extension. MUFG is the controlling shareholder.
In one line: Japan's consumer-lending equivalent of a subprime personal-loan lender.
Moat: narrow (scale, brand, distribution). Large branch/ATM network and MUFG backing support scale in a regulated lending market.
Headquarters: Tokyo, Japan · Founded: 1936 · Employees: 5,626
Size ACOM (8572.T) is a Japan Financials company (Finance/Rental/Leasing) with a market value of $4.38B, the 268th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥441 on 6 Nov 2026.
Performance Over six months the shares fell 12.0%, against -10.4% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue grew 6.6% over the last twelve months (peer median +8.9%); the operating margin is 29.6% (peer median 31.4%).
Valuation It trades at 0.96× book value against a peer median of 2.01× (6th cheapest of 20).
Price implies The share price implies a return on equity of about 5.6%; ACOM delivers 9.3%, so the price asks less than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥344B | ¥338B | ¥318B | ¥295B | ¥274B |
| Revenue growth | — | +6% | +8% | +8% | — |
| Gross profit | ¥330B | ¥302B | ¥284B | ¥264B | ¥245B |
| EBITDA | ¥106B | ¥111B | ¥67.7B | ¥94.6B | ¥94.9B |
| Net income | ¥64.7B | ¥79.6B | ¥32.1B | ¥53.1B | ¥54.9B |
| Free cash flow | n/a | ¥11.4B | -¥487M | -¥38.0B | -¥3.15B |
| Capital expenditure | n/a | ¥5.83B | ¥7.49B | ¥4.63B | ¥4.68B |
| Total debt | ¥743B | ¥733B | ¥688B | ¥665B | ¥581B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| ACOM 8572.T | $4.38B | -12% | +7% | 9% | 0.96× | 5.6% |
| Credit Saison 8253.T | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% |
| Jaccs 8584.T | $935M | -19% | +2% | 6% | 0.49× | 3.8% |
| AEON Financial Service 8570.T | $1.95B | -9% | +8% | 5% | 0.67× | 5.2% |
| Orient 8585.T | $831M | -24% | +4% | 4% | 0.54× | 4.4% |
| Zenkoku Hosho 7164.T | $2.69B | +1% | +2% | 14% | 1.74× | 6.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 8572.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -4.1% | -0.5% | 9th lowest of 21 |
| 6-month return | -12.0% | -10.4% | 10th lowest of 21 |
| Return on equity | 9.3% | 13.8% | 9th lowest of 20 |
| Price / book | 0.96× | 2.01× | 6th cheapest of 20 |
| Trailing P/E | 10.7× | 14.9× | 5th cheapest of 19 |
| ROE the price implies | 5.6% | 23.7% | 3rd least demanding of 20 |
| ROE delivered | 9.3% | 13.8% | 9th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| ACOM 8572.T | Japan | $4.38B | -12% | +7% | 9% | 0.96× | 5.6% | 9.3% |
| Blue Owl Technology Finance OTF | United States | $4.36B | -13% | +95% | 5% | 0.58× | 4.9% | 4.8% |
| Poonawalla Fincorp POONAWALLA.NS | India | $4.42B | +4% | +77% | 9% | 3.02× | 47.4% | 9.2% |
| Bohai Leasing 000415.SZ | China | $4.44B | +2% | -7% | 18% | 0.90× | 6.3% | 17.8% |
| Enova International ENVA | United States | $4.22B | -1% | +20% | 27% | 2.72× | 26.6% | 26.8% |
| Avis Budget CAR | United States | $4.20B | -18% | -1% | n/a | n/a | n/a | n/a |
| Mahindra & Mahindra Financial Services M&MFIN.NS | India | $4.12B | -15% | +15% | 14% | 1.41× | 23.7% | 13.8% |
| Nelnet NNI | United States | $4.67B | +7% | -7% | 8% | 1.24× | 10.1% | 8.1% |
| HDB Financial Services HDBFS.NS | India | $4.71B | -24% | +11% | 14% | 2.01× | 30.2% | 14.3% |
| GMO Payment Gateway 3769.T | Japan | $3.98B | +6% | +13% | 22% | 5.02× | 32.4% | 21.5% |
| Sundaram Finance SUNDARMFIN.NS | India | $4.95B | -11% | +14% | 14% | 2.89× | 35.3% | 14.4% |
| Bread Financial BFH | United States | $3.87B | +17% | +2% | 16% | 1.13× | 12.2% | 15.9% |
| Herc HRI | United States | $5.08B | +14% | +19% | 6% | 2.56× | 33.3% | 6.3% |
| Figure Technology Solutions FIGR | United States | $5.10B | -40% | +66% | 26% | 3.58× | 26.5% | 26.2% |
| Sixt SIX2.DE | Germany | $3.67B | +4% | +7% | 15% | 1.67× | 15.8% | 15.0% |
| Credit Saison 8253.T | Japan | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% | 9.2% |
| Credit Acceptance CACC | United States | $5.37B | -1% | +2% | 23% | 3.86× | 38.2% | 22.7% |
| Far East Horizon 3360.HK | Hong Kong | $3.44B | -25% | +1% | 8% | 0.45× | 4.5% | 7.6% |
| Element Fleet Management EFN.TO | Canada | $5.61B | -31% | +5% | 11% | 2.06× | 9.2% | 10.6% |
| WillScot WSC | United States | $3.42B | -33% | -3% | -7% | 3.75× | 35.8% | -7.1% |
| PennyMac Financial Services PFSI | United States | $3.41B | -28% | +4% | 6% | 0.78× | 10.2% | 5.6% |