AXACTOR ASA (ACR.OL) Stock Fundamental Analysis
Europe - OSL:ACR - NO0010840515 - Common Stock
6.9 NOK
+0.1 (+1.47%)
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. Both the profitability and financial health of ACR have multiple concerns. ACR has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
ACR had negative earnings in the past year.
In the past year ACR had a positive cash flow from operations.
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
The Return On Assets of ACR (-4.57%) is worse than 77.78% of its industry peers.
ACR has a worse Return On Equity (-16.24%) than 77.78% of its industry peers.
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 (9.90%) which is in line with its industry peers.
With a decent Gross Margin value of 98.12%, ACR is doing good in the industry, outperforming 77.78% of the companies in the same industry.
ACR's Gross Margin has improved in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ACR is destroying value.
The number of shares outstanding for ACR remains at a similar level compared to 1 year ago.
Compared to 5 years ago, ACR has more shares outstanding
The debt/assets ratio for ACR is higher compared to a year ago.
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.
ACR's Altman-Z score of 0.23 is in line compared to the rest of the industry. ACR outperforms 44.44% of its industry peers.
The Debt to FCF ratio of ACR is 4.17, which is a neutral value as it means it would take ACR, 4.17 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.17, ACR belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
ACR has a Debt/Equity ratio of 2.25. This is a high value indicating a heavy dependency on external financing.
ACR's Debt to Equity ratio of 2.25 is in line compared to the rest of the industry. ACR outperforms 44.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 4.17 | ||
| Altman-Z | 0.23 |
ROIC/WACC0.11
WACC9.23%
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 has a Current ratio (0.99) which is comparable to the rest of the industry.
A Quick Ratio of 0.99 indicates that ACR may have some problems paying its short term obligations.
ACR's Quick ratio of 0.99 is in line compared to the rest of the industry. ACR outperforms 55.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
ACR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -379.79%.
The Revenue for ACR has decreased by -37.28% in the past year. This is quite bad
Measured over the past years, ACR shows a very negative growth in Revenue. The Revenue has been decreasing by -14.81% on average per year.
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
The Earnings Per Share is expected to grow by 35.76% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 17.95% on average over the next years. This is quite good.
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.
The Price/Forward Earnings ratio is 4.32, which indicates a rather cheap valuation of ACR.
Based on the Price/Forward Earnings ratio, ACR is valued cheaper than 100.00% of the companies in the same industry.
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 | 4.32 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ACR.
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 | 0.92 | ||
| EV/EBITDA | 37.48 |
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.
ACR's earnings are expected to grow with 35.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y58.73%
EPS Next 3Y35.76%
5. Dividend
5.1 Amount
No dividends for ACR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OSL:ACR (11/11/2025, 3:10:32 PM)
6.9
+0.1 (+1.47%)
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 Cap2.08B
Revenue(TTM)147.84M
Net Income(TTM)-58.22M
Analysts75
Price Target9.79 (41.88%)
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 | 4.32 | ||
| P/S | 1.21 | ||
| P/FCF | 0.92 | ||
| P/OCF | 0.9 | ||
| P/B | 0.5 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 37.48 |
EPS(TTM)-3.07
EYN/A
EPS(NY)1.6
Fwd EY23.14%
FCF(TTM)7.53
FCFY109.07%
OCF(TTM)7.65
OCFY110.91%
SpS5.72
BVpS13.87
TBVpS11.2
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
WACC9.23%
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%.