AXACTOR ASA (ACR.OL) Stock Fundamental Analysis
Europe - OSL:ACR - NO0010840515 - Common Stock
7.52 NOK
0 (0%)
ACR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. While ACR seems to be doing ok healthwise, there are quite some concerns on its profitability. ACR is valued correctly, but it does not seem to be growing.
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
ACR has a Return On Assets of -5.28%. This is amonst the worse of the industry: ACR underperforms 87.50% of its industry peers.
ACR has a worse Return On Equity (-19.42%) than 87.50% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.53%, ACR is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.28% | ||
| ROE | -19.42% | ||
| ROIC | 0.53% |
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's Operating Margin of 5.73% is in line compared to the rest of the industry. ACR outperforms 50.00% of its industry peers.
ACR has a Gross Margin of 97.82%. This is in the better half of the industry: ACR outperforms 75.00% of its industry peers.
ACR's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.73% | ||
| PM (TTM) | N/A | ||
| GM | 97.82% |
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
Compared to 1 year ago, ACR has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.27, we must say that ACR is in the distress zone and has some risk of bankruptcy.
ACR has a better Altman-Z score (0.27) than 62.50% of its industry peers.
The Debt to FCF ratio of ACR is 4.77, which is a neutral value as it means it would take ACR, 4.77 years of fcf income to pay off all of its debts.
ACR has a Debt to FCF ratio of 4.77. This is in the better half of the industry: ACR outperforms 62.50% of its industry peers.
ACR has a Debt/Equity ratio of 2.56. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of ACR (2.56) is worse than 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.56 | ||
| Debt/FCF | 4.77 | ||
| Altman-Z | 0.27 |
ROIC/WACC0.06
WACC8.5%
2.3 Liquidity
A Current Ratio of 2.79 indicates that ACR has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.79, ACR belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
ACR has a Quick Ratio of 2.79. This indicates that ACR is financially healthy and has no problem in meeting its short term obligations.
ACR has a better Quick ratio (2.79) than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.79 | ||
| Quick Ratio | 2.79 |
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 -42.42% in the last year.
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%64.29%
Revenue 1Y (TTM)-42.42%
Revenue growth 3Y-6.85%
Revenue growth 5Y-14.81%
Sales Q2Q%8.02%
3.2 Future
The Earnings Per Share is expected to grow by 36.45% on average over the next years. This is a very strong growth
ACR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.98% yearly.
EPS Next Y146.95%
EPS Next 2Y58.73%
EPS Next 3Y36.45%
EPS Next 5YN/A
Revenue Next Year43.84%
Revenue Next 2Y22.92%
Revenue Next 3Y15.98%
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
ACR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 4.72, the valuation of ACR can be described as very cheap.
ACR's Price/Forward Earnings ratio is rather cheap when compared to the industry. ACR is cheaper than 100.00% of the companies in the same industry.
ACR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.72 |
4.2 Price Multiples
ACR's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACR indicates a rather cheap valuation: ACR is cheaper than 100.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.04 | ||
| EV/EBITDA | 54.38 |
4.3 Compensation for Growth
ACR's 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 36.45% 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 3Y36.45%
5. Dividend
5.1 Amount
No dividends for ACR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OSL:ACR (10/3/2025, 7:00:00 PM)
7.52
0 (0%)
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 Cap2.27B
Analysts75
Price Target9.79 (30.19%)
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)6.67%
PT rev (3m)61.34%
EPS NQ rev (1m)-8.33%
EPS NQ rev (3m)-8.33%
EPS NY rev (1m)-5.42%
EPS NY rev (3m)25.38%
Revenue NQ rev (1m)12.54%
Revenue NQ rev (3m)12.54%
Revenue NY rev (1m)-5.73%
Revenue NY rev (3m)7.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.72 | ||
| P/S | 1.38 | ||
| P/FCF | 1.04 | ||
| P/OCF | 1.02 | ||
| P/B | 0.56 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | 54.38 |
EPS(TTM)-3.07
EYN/A
EPS(NY)1.59
Fwd EY21.21%
FCF(TTM)7.23
FCFY96.21%
OCF(TTM)7.36
OCFY97.91%
SpS5.45
BVpS13.42
TBVpS10.74
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.28% | ||
| ROE | -19.42% | ||
| ROCE | 0.65% | ||
| ROIC | 0.53% | ||
| ROICexc | 0.55% | ||
| ROICexgc | 0.58% | ||
| OM | 5.73% | ||
| PM (TTM) | N/A | ||
| GM | 97.82% | ||
| FCFM | 132.69% |
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-Score3
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.56 | ||
| Debt/FCF | 4.77 | ||
| Debt/EBITDA | 46.48 | ||
| Cap/Depr | 29.98% | ||
| Cap/Sales | 2.35% | ||
| Interest Coverage | 0.1 | ||
| Cash Conversion | 996% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.79 | ||
| Quick Ratio | 2.79 | ||
| Altman-Z | 0.27 |
F-Score3
WACC8.5%
ROIC/WACC0.06
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%64.29%
EPS Next Y146.95%
EPS Next 2Y58.73%
EPS Next 3Y36.45%
EPS Next 5YN/A
Revenue 1Y (TTM)-42.42%
Revenue growth 3Y-6.85%
Revenue growth 5Y-14.81%
Sales Q2Q%8.02%
Revenue Next Year43.84%
Revenue Next 2Y22.92%
Revenue Next 3Y15.98%
Revenue Next 5YN/A
EBIT growth 1Y-93.04%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year94.16%
EBIT Next 3Y25.31%
EBIT Next 5YN/A
FCF growth 1Y698.41%
FCF growth 3Y9.09%
FCF growth 5YN/A
OCF growth 1Y800.98%
OCF growth 3Y8.3%
OCF growth 5YN/A