AcomACOM CO.,LTD.8572東証スタンダードその他金融業FY ending Mar 2026, consolidated, J-GAAP

Acom FY ending Mar 2026 results

About 54% of Acom's sales come from Loan and credit card business, with Guarantee business and Overseas finance business making up much of the rest.

Out of every ¥100 of sales, about ¥30 is left as operating profit.

Revenue changed +6.3% from the prior year, operating profit +71.4%.

Revenue and profit pattern

Revenue and profit upProfit grew faster

Revenue +6.3% · profit +71.4%, calculated from disclosed figures.

Operating leverage: 11.37× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue: +6.3%¥317.7B → ¥337.7B
Operating income: +71.4%¥58.6B → ¥100.4B
Net income attributable to owners: +147.9%¥32.1B → ¥79.6B
Operating cash flow: +1280.8%¥876M → ¥12.1B
Free cash flow: Back to profit-¥6.62B → ¥6.26B

Results at a glance

Revenue for the FY ending Mar 2026 was ¥337.7B, up +6.3% from ¥317.7B.
Profits grew much faster: operating income rose +71.4% from ¥58.6B to ¥100.4B, and net income rose +147.9% from ¥32.1B to ¥79.6B.
Operating cash flow climbed from ¥876M to ¥12.1B, and free cash flow turned positive at ¥6.26B after a negative prior year.

What drove the change

More loans outstanding brought in more interest income
Smaller provisions for refunds of past excess interest cut operating expenses
A change in how the company's deferred tax assets are classified lowered its tax charge and lifted net income

Things to watch

Borrowers may fall behind on payments if the economy or regulations change, raising credit costs
Refund claims for past excess interest could exceed expectations, or courts could rule against lenders
Rules in Thailand and other markets, Middle East tensions and currency swings could weigh on the overseas business

Annual Securities Report, 49th fiscal period (Apr 2025 - Mar 2026) / 経営者による財政状態、経営成績及びキャッシュ・フローの状況の分析 · Annual Securities Report, 49th fiscal period (Apr 2025 - Mar 2026) / 事業等のリスク

Where the money goes

FY ending Mar 2025 → FY ending Mar 2026

※ Cost of revenue is not disclosed; expenses are combined

Where ¥100 of sales goes

For every ¥100 Acom sells, how much goes where, and how much is kept.

FY ending Mar 2026

Operating costs: ¥70
Operating profit: ¥30
Net profit kept: ¥24

Annual margin trends

Operating margin29.7%

Net margin23.6%

Aligned fiscal years compare the shares of revenue remaining as gross, core, and net profit. Missing years are left unconnected.

Which businesses earn the money

Revenue by business segment, and the profit each one keeps.

FY ending Mar 2026

Loan and credit card business¥181.9B
54%
Op. margin 29.5%Industry: Consumer Finance
Guarantee business¥81B
24%
Op. margin 27.5%Industry: Consumer Finance
Overseas finance business¥67.5B
20%
Op. margin 33.9%Industry: Consumer Finance
Loan servicing business¥7.19B
2%
Op. margin 18.7%Industry: Consumer Finance
Other¥102M
0%
Op. margin 303.9%Industry: Business Process Outsourcing

Profit by segment

※ Segment figures include inter-segment sales and do not sum to the company total

Sources

Show source documents (6)

EDINET (FSA Japan)
有価証券報告書－第49期(2025/04/01－2026/03/31)
ID S100YBXA2026-06-16Open
EDINET (FSA Japan)
有価証券報告書－第48期(2024/04/01－2025/03/31)
ID S100VZEV2025-06-19Open
EDINET (FSA Japan)
有価証券報告書－第47期(2023/04/01－2024/03/31)
ID S100TO172024-06-21Open
EDINET (FSA Japan)
有価証券報告書－第46期(2022/04/01－2023/03/31)
ID S100QZYR2023-06-23Open
EDINET (FSA Japan)
有価証券報告書－第45期(令和3年4月1日－令和4年3月31日)
ID S100OAR42022-06-24Open
EDINET (FSA Japan)
訂正有価証券報告書－第44期(令和2年4月1日－令和3年3月31日)
ID S100MPJZ2021-11-09Open

Extracted from XBRL: 50 / Derived from other figures: 2

Spotted an error? Report it (corrections keep the original record)

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