AXACTOR ASA (ACR.OL) Stock Fundamental Analysis
Europe - OSL:ACR - NO0010840515 - Common Stock
6.96 NOK
+0.02 (+0.29%)
Taking everything into account, ACR scores 3 out of 10 in our fundamental rating. ACR was compared to 9 industry peers in the Consumer Finance industry. ACR may be in some trouble as it scores bad on both profitability and health. ACR has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year ACR has reported negative net income.
ACR had a positive operating cash flow in the past year.
In multiple years ACR reported negative net income over the last 5 years.
In multiple years ACR reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of -4.57%, ACR is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -16.24%, ACR is doing worse than 77.78% of the companies in the same industry.
ACR has a Return On Invested Capital of 1.01%. This is comparable to the rest of the industry: ACR outperforms 44.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.57% | ||
| ROE | -16.24% | ||
| ROIC | 1.01% |
ROA(3y)-0.53%
ROA(5y)-1.09%
ROE(3y)-2.46%
ROE(5y)-4.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ACR has a Operating Margin of 9.90%. This is comparable to the rest of the industry: ACR outperforms 44.44% of its industry peers.
ACR's Gross Margin of 98.12% is fine compared to the rest of the industry. ACR outperforms 77.78% of its industry peers.
In the last couple of years the Gross Margin of ACR has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.9% | ||
| PM (TTM) | N/A | ||
| GM | 98.12% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.03%
GM growth 5Y5.97%
2. Health
2.1 Basic Checks
ACR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, ACR has about the same amount of shares outstanding.
The number of shares outstanding for ACR has been increased compared to 5 years ago.
Compared to 1 year ago, ACR has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.23, we must say that ACR is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.23, ACR is in line with its industry, outperforming 44.44% of the companies in the same industry.
ACR has a debt to FCF ratio of 4.17. This is a neutral value as ACR would need 4.17 years to pay back of all of its debts.
ACR has a Debt to FCF ratio of 4.17. This is amongst the best in the industry. ACR outperforms 88.89% of its industry peers.
A Debt/Equity ratio of 2.25 is on the high side and indicates that ACR has dependencies on debt financing.
The Debt to Equity ratio of ACR (2.25) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 4.17 | ||
| Altman-Z | 0.23 |
ROIC/WACC0.11
WACC9.22%
2.3 Liquidity
ACR has a Current Ratio of 0.99. This is a bad value and indicates that ACR is not financially healthy enough and could expect problems in meeting its short term obligations.
ACR's Current ratio of 0.99 is in line compared to the rest of the industry. ACR outperforms 55.56% of its industry peers.
A Quick Ratio of 0.99 indicates that ACR may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.99, ACR is in line with its industry, outperforming 55.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The earnings per share for ACR have decreased strongly by -379.79% in the last year.
The Revenue for ACR has decreased by -37.28% in the past year. This is quite bad
ACR shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.81% yearly.
EPS 1Y (TTM)-379.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%3100%
Revenue 1Y (TTM)-37.28%
Revenue growth 3Y-6.85%
Revenue growth 5Y-14.81%
Sales Q2Q%12.26%
3.2 Future
Based on estimates for the next years, ACR will show a very strong growth in Earnings Per Share. The EPS will grow by 35.76% on average per year.
ACR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.95% yearly.
EPS Next Y144.07%
EPS Next 2Y58.73%
EPS Next 3Y35.76%
EPS Next 5YN/A
Revenue Next Year51.92%
Revenue Next 2Y26.32%
Revenue Next 3Y17.95%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for ACR. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 4.37 indicates a rather cheap valuation of ACR.
Based on the Price/Forward Earnings ratio, ACR is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 33.72, ACR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.37 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ACR is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, ACR is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.93 | ||
| EV/EBITDA | 37.65 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ACR's earnings are expected to grow with 35.76% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y58.73%
EPS Next 3Y35.76%
5. Dividend
5.1 Amount
ACR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OSL:ACR (11/12/2025, 3:50:06 PM)
6.96
+0.02 (+0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners3.57%
Inst Owner ChangeN/A
Ins Owners6.03%
Ins Owner ChangeN/A
Market Cap2.10B
Revenue(TTM)147.84M
Net Income(TTM)-58.22M
Analysts75
Price Target9.79 (40.66%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.44%
Min EPS beat(2)-24.09%
Max EPS beat(2)15.21%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-6.81%
Min Revenue beat(2)-13.86%
Max Revenue beat(2)0.25%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)30.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-6.13%
EPS NY rev (3m)17.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)5.62%
Revenue NY rev (3m)4.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.37 | ||
| P/S | 1.22 | ||
| P/FCF | 0.93 | ||
| P/OCF | 0.91 | ||
| P/B | 0.5 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 37.65 |
EPS(TTM)-3.07
EYN/A
EPS(NY)1.59
Fwd EY22.89%
FCF(TTM)7.51
FCFY107.87%
OCF(TTM)7.63
OCFY109.69%
SpS5.71
BVpS13.84
TBVpS11.18
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -4.57% | ||
| ROE | -16.24% | ||
| ROCE | 1.25% | ||
| ROIC | 1.01% | ||
| ROICexc | 1.05% | ||
| ROICexgc | 1.12% | ||
| OM | 9.9% | ||
| PM (TTM) | N/A | ||
| GM | 98.12% | ||
| FCFM | 131.59% |
ROA(3y)-0.53%
ROA(5y)-1.09%
ROE(3y)-2.46%
ROE(5y)-4.4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.03%
GM growth 5Y5.97%
F-Score3
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 4.17 | ||
| Debt/EBITDA | 32.14 | ||
| Cap/Depr | 31.37% | ||
| Cap/Sales | 2.23% | ||
| Interest Coverage | 0.2 | ||
| Cash Conversion | 787.27% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 | ||
| Altman-Z | 0.23 |
F-Score3
WACC9.22%
ROIC/WACC0.11
Cap/Depr(3y)41.35%
Cap/Depr(5y)45.86%
Cap/Sales(3y)1.98%
Cap/Sales(5y)2.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-379.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%3100%
EPS Next Y144.07%
EPS Next 2Y58.73%
EPS Next 3Y35.76%
EPS Next 5YN/A
Revenue 1Y (TTM)-37.28%
Revenue growth 3Y-6.85%
Revenue growth 5Y-14.81%
Sales Q2Q%12.26%
Revenue Next Year51.92%
Revenue Next 2Y26.32%
Revenue Next 3Y17.95%
Revenue Next 5YN/A
EBIT growth 1Y-86.47%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year94.16%
EBIT Next 3Y25.31%
EBIT Next 5YN/A
FCF growth 1Y1123.46%
FCF growth 3Y9.09%
FCF growth 5YN/A
OCF growth 1Y901.89%
OCF growth 3Y8.3%
OCF growth 5YN/A
AXACTOR ASA / ACR.OL FAQ
What is the ChartMill fundamental rating of AXACTOR ASA (ACR.OL) stock?
ChartMill assigns a fundamental rating of 3 / 10 to ACR.OL.
What is the valuation status for ACR stock?
ChartMill assigns a valuation rating of 6 / 10 to AXACTOR ASA (ACR.OL). This can be considered as Fairly Valued.
What is the profitability of ACR stock?
AXACTOR ASA (ACR.OL) has a profitability rating of 2 / 10.
Can you provide the dividend sustainability for ACR stock?
The dividend rating of AXACTOR ASA (ACR.OL) is 0 / 10 and the dividend payout ratio is 0%.