AXACTOR ASA (ACR.OL) Stock Fundamental Analysis
OSL:ACR - Euronext Oslo - NO0010840515 - Common Stock - Currency: NOK
Overall ACR gets a fundamental rating of 3 out of 10. We evaluated ACR against 7 industry peers in the Consumer Finance industry. The financial health of ACR is average, but there are quite some concerns on its profitability. 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.
The reported net income has been mixed in the past 5 years: ACR reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: ACR reported negative operating cash flow in multiple years.
1.2 Ratios
ACR's Return On Assets of -5.51% is on the low side compared to the rest of the industry. ACR is outperformed by 85.71% of its industry peers.
With a Return On Equity value of -20.19%, ACR is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
ACR has a Return On Invested Capital of 0.37%. This is in the lower half of the industry: ACR underperforms 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.51% | ||
| ROE | -20.19% | ||
| ROIC | 0.37% |
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 worse Operating Margin (4.05%) than 71.43% of its industry peers.
ACR has a better Gross Margin (97.58%) than 71.43% of its industry peers.
In the last couple of years the Gross Margin of ACR has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.05% | ||
| PM (TTM) | N/A | ||
| GM | 97.58% |
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.
ACR has more shares outstanding than it did 5 years ago.
ACR has a worse debt/assets ratio than last year.
2.2 Solvency
ACR has an Altman-Z score of 0.19. This is a bad value and indicates that ACR is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of ACR (0.19) is comparable to the rest of the industry.
ACR has a debt to FCF ratio of 4.67. This is a neutral value as ACR would need 4.67 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 4.67, ACR is doing good in the industry, outperforming 71.43% of the companies in the same industry.
ACR has a Debt/Equity ratio of 2.46. This is a high value indicating a heavy dependency on external financing.
ACR's Debt to Equity ratio of 2.46 is fine compared to the rest of the industry. ACR outperforms 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.46 | ||
| Debt/FCF | 4.67 | ||
| Altman-Z | 0.19 |
ROIC/WACC0.04
WACC8.26%
2.3 Liquidity
ACR has a Current Ratio of 1.27. This is a normal value and indicates that ACR is financially healthy and should not expect problems in meeting its short term obligations.
ACR's Current ratio of 1.27 is fine compared to the rest of the industry. ACR outperforms 71.43% of its industry peers.
ACR has a Quick Ratio of 1.27. This is a normal value and indicates that ACR is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.27, ACR is doing good in the industry, outperforming 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 |
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%.
Looking at the last year, ACR shows a very negative growth in Revenue. The Revenue has decreased by -45.69% in the last year.
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%1550%
Revenue 1Y (TTM)-45.69%
Revenue growth 3Y-6.85%
Revenue growth 5Y-14.81%
Sales Q2Q%14.91%
3.2 Future
ACR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.88% yearly.
Based on estimates for the next years, ACR will show a quite strong growth in Revenue. The Revenue will grow by 11.60% on average per year.
EPS Next Y137.44%
EPS Next 2Y57.48%
EPS Next 3Y38.88%
EPS Next 5YN/A
Revenue Next Year33.48%
Revenue Next 2Y15.85%
Revenue Next 3Y11.6%
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.
ACR is valuated cheaply with a Price/Forward Earnings ratio of 4.80.
Based on the Price/Forward Earnings ratio, ACR is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
ACR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.8 |
4.2 Price Multiples
ACR's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, ACR is valued cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1 | ||
| EV/EBITDA | 58.55 |
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 38.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y57.48%
EPS Next 3Y38.88%
5. Dividend
5.1 Amount
No dividends for ACR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OSL:ACR (6/20/2025, 4:00:48 PM)
6.99
+0.43 (+6.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners2.92%
Inst Owner ChangeN/A
Ins Owners6.03%
Ins Owner ChangeN/A
Market Cap2.11B
Analysts75
Price Target6.07 (-13.16%)
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)15.53%
PT rev (3m)22.05%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)5.41%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.8 | ||
| P/S | 1.34 | ||
| P/FCF | 1 | ||
| P/OCF | 0.98 | ||
| P/B | 0.53 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | 58.55 |
EPS(TTM)-3.03
EYN/A
EPS(NY)1.46
Fwd EY20.83%
FCF(TTM)7.01
FCFY100.26%
OCF(TTM)7.13
OCFY101.96%
SpS5.2
BVpS13.26
TBVpS10.56
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.51% | ||
| ROE | -20.19% | ||
| ROCE | 0.46% | ||
| ROIC | 0.37% | ||
| ROICexc | 0.38% | ||
| ROICexgc | 0.41% | ||
| OM | 4.05% | ||
| PM (TTM) | N/A | ||
| GM | 97.58% | ||
| FCFM | 134.65% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score2
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.46 | ||
| Debt/FCF | 4.67 | ||
| Debt/EBITDA | 50.35 | ||
| Cap/Depr | 27.16% | ||
| Cap/Sales | 2.28% | ||
| Interest Coverage | 0.07 | ||
| Cash Conversion | 1100.11% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 | ||
| Altman-Z | 0.19 |
F-Score2
WACC8.26%
ROIC/WACC0.04
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%1550%
EPS Next Y137.44%
EPS Next 2Y57.48%
EPS Next 3Y38.88%
EPS Next 5YN/A
Revenue 1Y (TTM)-45.69%
Revenue growth 3Y-6.85%
Revenue growth 5Y-14.81%
Sales Q2Q%14.91%
Revenue Next Year33.48%
Revenue Next 2Y15.85%
Revenue Next 3Y11.6%
Revenue Next 5YN/A
EBIT growth 1Y-95.35%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year94.63%
EBIT Next 3Y27.81%
EBIT Next 5YN/A
FCF growth 1Y554.05%
FCF growth 3Y9.09%
FCF growth 5YN/A
OCF growth 1Y619.34%
OCF growth 3Y8.3%
OCF growth 5YN/A