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Acom Co., Ltd.: Business Overview, Financials & Competitive Analysis

Acom is one of Japan's largest consumer loan companies. The company engages in financial services in Japan, Thailand, and internationally through Loan and Credit Card Business, Guarantee Business, Overseas Financial B...

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Acom Co., Ltd. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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7/ 10Strong

Cyborg Score thesis

Established consumer finance leader with stable cash generation and reasonable valuation in Japan's mature credit...

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Industry Credit Services / Consumer Finance
2 named competitors
2 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: November 2, 2026
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Acom Co., Ltd. Overview

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Acom is one of Japan's largest consumer loan companies. The company engages in financial services in Japan, Thailand, and internationally through Loan and Credit Card Business, Guarantee Business, Overseas Financial Business, Loan Servicing Business segments, offering loans, unsecured and installment loans, credit cards, and loan servicing services.

Strategic Profile

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Since 2008, Mitsubishi UFJ Financial Group (MUFG) has controlled approximately 40% of Acom stock, with founders maintaining similar ownership. The company maintains strong positioning in Japanese consumer finance with expanding regional operations across Asia.

Competitive Landscape

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Acom competes with other major Japanese consumer finance and credit card companies. Key competitors include Credit Saison (8253) and Marui Group (8252), both offering overlapping loan and credit services. Acom's advantages include scale, brand recognition, and established consumer relationships.

Industry Context

Acom Co., Ltd. operates in Credit Services / Consumer Finance.

Key facts

Founded: 1936 · Headquarters: Tokyo, Japan · Employees: 5,498 · Market cap: $5.1B

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Acom Co., Ltd..

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

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Credit SaisonJapanese credit card and consumer finance services→MaruiRetail and financial services with credit operations→

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Industry context

Acom Co., Ltd. operates in Credit Services / Consumer Finance. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Acom Co., Ltd. do?+
Acom is one of Japan's largest consumer loan companies. The company engages in financial services in Japan, Thailand, and internationally through Loan and Credit Card Business, Guarantee Business, Overseas Financial B...
What is Acom Co., Ltd.'s Cyborg Score?+
Acom Co., Ltd. has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Acom Co., Ltd.'s main competitors?+
Named competitors include Credit Saison, Marui. The full competitive landscape is in the AskCyborg report.
How can I get the full Acom Co., Ltd. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Acom Co., Ltd. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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