AXACTOR ASA (ACR.OL) Stock Fundamental Analysis
OSL:ACR - Euronext Oslo - NO0010840515 - Common Stock - Currency: NOK
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. 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.
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 77.78% of its industry peers.
ACR has a worse Return On Equity (-20.19%) than 66.67% of its industry peers.
With a Return On Invested Capital value of 0.37%, ACR perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
| 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
The Operating Margin of ACR (4.05%) is comparable to the rest of the industry.
ACR's Gross Margin of 97.58% 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 | 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ACR 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.
The debt/assets ratio for ACR is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.18, we must say that ACR is in the distress zone and has some risk of bankruptcy.
ACR's Altman-Z score of 0.18 is in line compared to the rest of the industry. ACR outperforms 55.56% of its industry peers.
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.
ACR's Debt to FCF ratio of 4.67 is fine compared to the rest of the industry. ACR outperforms 66.67% of its industry peers.
ACR has a Debt/Equity ratio of 2.46. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of ACR (2.46) is better than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.46 | ||
| Debt/FCF | 4.67 | ||
| Altman-Z | 0.18 |
ROIC/WACC0.04
WACC8.82%
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.
The Current ratio of ACR (1.27) is better than 77.78% of its industry peers.
A Quick Ratio of 1.27 indicates that ACR should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.27, ACR is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 |
3. Growth
3.1 Past
The earnings per share for ACR have decreased strongly by -379.79% in the last year.
ACR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -45.69%.
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%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.
ACR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.60% yearly.
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
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.
ACR is valuated cheaply with a Price/Forward Earnings ratio of 4.16.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ACR indicates a rather cheap valuation: ACR is cheaper than 100.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of ACR to the average of the S&P500 Index (22.15), we can say ACR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.16 |
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.
ACR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACR is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.87 | ||
| EV/EBITDA | 57.57 |
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.
A more expensive valuation may be justified as ACR's earnings are expected to grow with 38.88% in the coming years.
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 (5/30/2025, 7:00:00 PM)
6.04
+0.14 (+2.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners4.23%
Inst Owner ChangeN/A
Ins Owners5.86%
Ins Owner ChangeN/A
Market Cap1.82B
Analysts75
Price Target5.25 (-13.08%)
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)5.64%
PT rev (3m)10.16%
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)-4.02%
Revenue NY rev (3m)-5.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.16 | ||
| P/S | 1.16 | ||
| P/FCF | 0.87 | ||
| P/OCF | 0.85 | ||
| P/B | 0.46 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | 57.57 |
EPS(TTM)-3.02
EYN/A
EPS(NY)1.45
Fwd EY24.01%
FCF(TTM)6.98
FCFY115.59%
OCF(TTM)7.1
OCFY117.55%
SpS5.19
BVpS13.21
TBVpS10.52
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 | 0.18 |
F-Score2
WACC8.82%
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