TYO/8572 (TYO/8572)

Tokyo Stock Exchange: TYO/8572 · JPY

¥439

-3.90 (-0.9%)· Recorded snapshot

Market cap	687.7B
Revenue (ttm)	344.1B
Net income (ttm)	64.7B
EPS (ttm)	¥41.3
Shares out	1.6B
P/E (trailing)	10.6x
P/E (forward)	9.8x
Dividend	¥22.0 (5.01%)
Volume	3,191,000
Beta	0.40

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 344.1B
Net income (ttm): 64.7B
EPS (ttm): ¥41.3
P/E (trailing): 10.6x
P/E (forward): 9.8x
Market cap: 687.7B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.8

P25 n/aP50 n/aP75 n/a

Trailing P/E10.6

P25 n/aP50 n/aP75 n/a

ROE9.4

P25 n/aP50 n/aP75 n/a

ROIC5.2

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All TYO/8572 indicators

Market & fundamental data

Available fields

249

Groups with data

Currency

JPY

Showing 249 of 249 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	JPY
Country	Japan
Country code	JP
Earnings date	2026-11-06
Employees	5,626
Employees change	128
Employees growth	2.33%
Enterprise value	JPY 1.4T
Exchange	Tokyo Stock Exchange
Financial currency	JPY
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	March
Founded	1936
Industry	Financial - Credit Services
Is primary listing	Yes
ISIN number	JP3108600002
Last earnings date	2026-07-29
Last refreshed	2026-10-28
Last stock split date	2013-09-26
Last stock split type	Forward
Market cap	JPY 687.7B
Next earnings date	2026-11-06
Price	JPY 439.00
Price currency	JPY
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	tyo/8572
Website	https://www.acom.co.jp

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	13.18x
Average P/E ratio (3Y)	12.22x
Average P/E ratio (5Y)	11.06x
Earnings yield	9.4%
EV/Earnings	22.35x
EV/EBIT	13.15x
EV/EBITDA	13x
EV/FCF	127.06x
EV/Sales	4.2x
FCF / EV yield	0.79%
FCF yield	1.65%
Forward P/E	9.83x
Graham number	651.37589
Graham upside	48.38%
Industry P/E	10.89x
Lynch fair value	JPY 206.36
Lynch upside	-52.99%
P/B ratio	0.88x
P/E ratio	10.64x
P/FCF ratio	60.47x
P/OCF ratio	56.86x
P/S ratio	2x
Price / tangible book value	0.98x
Price/EBITDA ratio	6.21x
Sector P/E	12.91x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	31.93%
EBITDA margin	32.21%
Effective tax rate	31.02%
FCF margin	3.37%
Gross margin	99.26%
Operating margin	31.93%
Pretax margin	29.56%
Profit margin	18.79%
Profit per employee	JPY 11.5M
Profitable quarters	5
Profitable years	9
Revenue per employee	JPY 61.2M
ROA	4.43%
ROA (5Y)	3.5%
ROCE	9.08%
ROE	9.35%
ROE (5Y)	9.35%
ROIC	5.21%
ROIC (5Y)	4.76%
Tax / revenue	9.17%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	22.9%
EPS growth (Q)	-43.9%
EPS growth (QoQ)	74.85%
EPS growth 10Y	15.83%
EPS growth 3Y	7.46%
EPS growth 5Y	-3.48%
EPS growth years	1
FCF growth 5Y	-36.72%
Gross profit growth	6.47%
Gross profit growth (Q)	7.65%
Gross profit growth 3Y	7.82%
Gross profit growth 5Y	5.9%
Net income growth	22.9%
Net income growth (Q)	-43.9%
Net income growth (QoQ)	74.85%
Net income growth 3Y	7.46%
Net income growth 5Y	-3.48%
Net income growth years	1
OCF growth	1,280.82%
OCF growth 5Y	-36.06%
Operating income growth	55.07%
Operating income growth (Q)	7.18%
Operating income growth 3Y	9.44%
Operating income growth 5Y	2.28%
Revenue growth	6.56%
Revenue growth (Q)	7.72%
Revenue growth (QoQ)	2.65%
Revenue growth 10Y	3.72%
Revenue growth 3Y	7.34%
Revenue growth 5Y	5.42%
Revenue growth quarters	17
Revenue growth years	4

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	JPY -723M
Depreciation and amortization	JPY 970.8M
EBIT	JPY 109.9B
EBITDA	JPY 110.8B
EPS	JPY 41.27
FCF per share	JPY 7.26
Financing cash flow	JPY 13.1B
Free cash flow	JPY 11.4B
Gross profit	JPY 341.5B
Income taxes	JPY 31.6B
Investing cash flow	JPY -4.9B
Net borrowing	JPY 41.1B
Net cash flow	JPY 20.2B
Net income	JPY 64.7B
Operating income	JPY 109.9B
Revenue	JPY 344.1B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	2.28
Book value per share	JPY 456.91
Debt / EBITDA	6.69
Debt / equity	0.95
Debt / FCF	65.35
Interest coverage	16.64
Long-term assets	JPY 92.4B
Long-term liabilities	JPY 430.8B
Net cash (debt)	JPY -694.3B
Net cash / market cap	-100.96%
Net debt / EBITDA	6.26
Net debt / equity	0.89
Net debt / FCF	61.05
Piotroski F-Score	4
Property, plant and equipment	JPY 5.9B
Shareholders' equity	JPY 778.8B
Tangible book value	JPY 700.3B
Tangible book value per share	JPY 447.03
Total assets	JPY 1.6T
Total cash	JPY 48.8B
Total debt	JPY 743.2B
Total liabilities	JPY 824.7B
WACC	3.42%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.22
Current assets	JPY 1.5T
Current liabilities	JPY 393.9B
Current ratio	3.84
Net working capital	JPY 1.4T
Quick ratio	3.56
Working capital	JPY 1.1T
Working capital turnover	0.31

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend growth	35.29%
Dividend growth (10Y)	36.83%
Dividend growth (3Y)	27.87%
Dividend growth (5Y)	30.83%
Dividend growth years	8
Dividend payment date	2026-12-01
Dividend payment years	9
Dividend payout frequency	Semi-Annual
Dividend per share	JPY 22.00
Dividend yield	5.01%
Ex-dividend date	2026-09-29
FCF payout ratio	316.82%
Last dividend	JPY 11.00
Payout ratio	55.73%
Shareholder yield	5.01%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-8.73%
10Y return CAGR	1.25%
10Y total return	13.22%
150-day SMA	JPY 472.39
15Y price change	206.14%
15Y return CAGR	9.3%
15Y total return	279.77%
1D price change	-0.88%
1M price change	-9.8%
1M total return	-7.7%
1W price change	-2.44%
1W total return	-2.44%
1Y price change	-1.9%
1Y return CAGR	2.97%
1Y total return	2.97%
20-day SMA	JPY 452.16
200-day SMA	JPY 480.98
20Y price change	-3.09%
20Y return CAGR	1.29%
20Y total return	29.33%
3M price change	-11.06%
3M total return	-8.99%
3Y price change	23.7%
3Y return CAGR	11.71%
3Y total return	39.42%
50-day SMA	JPY 471.73
50-day SMA vs 200-day SMA	50under200
52-week high	JPY 539.90
52-week high date	2026-01-19
52-week low	JPY 430.10
52-week low date	2025-10-30
5Y price change	14.32%
5Y return CAGR	6.49%
5Y total return	36.93%
6M price change	-11.38%
6M total return	-9.33%
All-time high	JPY 1,461.00
All-time high date	1999-09-10
All-time low	JPY 77.30
All-time low date	2010-11-04
Average true range (ATR)	JPY 7.03
Average volume	2M
Beta (1Y)	0.51
Beta (2Y)	0.62
Beta (5Y)	0.4
Change from 52-week high	-18.69%
Change from 52-week low	2.07%
Change from all-time high	-69.95%
Change from all-time low	467.92%
Change from open	-1.55%
Day's gap	0.68%
Dollar volume	JPY 1.4B
High price	JPY 445.90
Low price	JPY 439.00
Monthly RSI	48.84
Open price	JPY 445.90
Position in 52-week range	0%
Previous close	JPY 442.90
Price vs 150-day SMA	-7.07%
Price vs 20-day SMA	-2.91%
Price vs 200-day SMA	-8.73%
Price vs 50-day SMA	-6.94%
Relative volume	1.61
RSI	30.88
Sharpe ratio	0.07
Sharpe ratio (3Y)	0.4
Sharpe ratio (5Y)	0.14
Sortino ratio	0.36
Sortino ratio (3Y)	0.76
Sortino ratio (5Y)	0.42
Volume	3.2M
Weekly RSI	34.69
YTD price change	-11.21%
YTD total return	-6.8%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	424.2M
Shares change (QoQ)	0%
Shares change (YoY)	0%
Shares held by insiders	0.82%
Shares held by institutions	14%
Shares outstanding	1.6B

Deeper analysis on TYO/8572

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this TYO/8572 report

Is a complete TYO/8572 research report available?

No complete published report is available for tyo/8572 (TYO/8572) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

TYO/8572 (TYO/8572)

Price

Financial snapshot

Fair-value bridge

Latest news · TYO/8572

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All TYO/8572 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TYO/8572

Frequently asked questions