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 8 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
In the past year ACR has reported negative net income.
ACR had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: ACR reported negative net income in multiple years.
In multiple years ACR reported negative operating cash flow during the last 5 years.
1.2 Ratios
ACR has a worse Return On Assets (-6.28%) than 75.00% of its industry peers.
ACR's Return On Equity of -23.33% is on the low side compared to the rest of the industry. ACR is outperformed by 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -6.28% | ||
| ROE | -23.33% | ||
| ROIC | N/A |
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
With an excellent Gross Margin value of 98.75%, ACR belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
In the last couple of years the Gross Margin of ACR has grown nicely.
ACR does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 98.75% |
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 does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ACR remains at a similar level compared to 1 year ago.
ACR has more shares outstanding than it did 5 years ago.
ACR has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.16, we must say that ACR is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.16, ACR is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
The Debt to FCF ratio of ACR is 6.58, which is on the high side as it means it would take ACR, 6.58 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.58, ACR is in line with its industry, outperforming 50.00% of the companies in the same industry.
A Debt/Equity ratio of 2.62 is on the high side and indicates that ACR has dependencies on debt financing.
The Debt to Equity ratio of ACR (2.62) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.62 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | 0.16 |
ROIC/WACCN/A
WACC8.5%
2.3 Liquidity
ACR has a Current Ratio of 2.34. This indicates that ACR is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 2.34, ACR belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
ACR has a Quick Ratio of 2.34. This indicates that ACR is financially healthy and has no problem in meeting its short term obligations.
ACR's Quick ratio of 2.34 is amongst the best of the industry. ACR outperforms 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.34 | ||
| Quick Ratio | 2.34 |
3. Growth
3.1 Past
ACR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -314.29%.
Looking at the last year, ACR shows a very negative growth in Revenue. The Revenue has decreased by -50.15% 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)-314.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-946.39%
Revenue 1Y (TTM)-50.15%
Revenue growth 3Y-6.85%
Revenue growth 5Y-14.81%
Sales Q2Q%-165.43%
3.2 Future
The Earnings Per Share is expected to grow by 69.89% 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 16.40% yearly.
EPS Next Y219.35%
EPS Next 2Y93.44%
EPS Next 3Y69.89%
EPS Next 5YN/A
Revenue Next Year39.07%
Revenue Next 2Y20.1%
Revenue Next 3Y16.4%
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
The Price/Earnings Ratio is negative for ACR. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 3.88, the valuation of ACR can be described as very cheap.
Based on the Price/Forward Earnings ratio, ACR is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.10. ACR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 3.88 |
4.2 Price Multiples
ACR's Enterprise Value to EBITDA ratio is in line with the industry average.
100.00% of the companies in the same industry are more expensive than ACR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.8 | ||
| EV/EBITDA | 90.07 |
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 69.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y93.44%
EPS Next 3Y69.89%
5. Dividend
5.1 Amount
No dividends for ACR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OSL:ACR (3/7/2025, 7:00:00 PM)
4.26
+0.04 (+0.95%)
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 Cap1.29B
Analysts75
Price Target4.97 (16.67%)
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)0
Avg Revenue beat(2)-1018.14%
Min Revenue beat(2)-2010.3%
Max Revenue beat(2)-25.98%
Revenue beat(4)0
Avg Revenue beat(4)-521.41%
Min Revenue beat(4)-2010.3%
Max Revenue beat(4)-24.31%
Revenue beat(8)1
Avg Revenue beat(8)-261.55%
Revenue beat(12)3
Avg Revenue beat(12)-175.34%
Revenue beat(16)3
Avg Revenue beat(16)-140.27%
PT rev (1m)4.56%
PT rev (3m)4.56%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)15.63%
EPS NY rev (3m)-13.28%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-11.32%
Revenue NY rev (3m)-14.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 3.88 | ||
| P/S | 0.86 | ||
| P/FCF | 0.8 | ||
| P/OCF | 0.79 | ||
| P/B | 0.32 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | 90.07 |
EPS(TTM)-3.1
EYN/A
EPS(NY)1.1
Fwd EY25.79%
FCF(TTM)5.3
FCFY124.34%
OCF(TTM)5.42
OCFY127.14%
SpS4.98
BVpS13.27
TBVpS10.51
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -6.28% | ||
| ROE | -23.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 98.75% | ||
| FCFM | 106.38% |
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 Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.62 | ||
| Debt/FCF | 6.58 | ||
| Debt/EBITDA | 82.67 | ||
| Cap/Depr | 26.57% | ||
| Cap/Sales | 2.4% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 1290.08% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.34 | ||
| Quick Ratio | 2.34 | ||
| Altman-Z | 0.16 |
F-Score3
WACC8.5%
ROIC/WACCN/A
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)-314.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-946.39%
EPS Next Y219.35%
EPS Next 2Y93.44%
EPS Next 3Y69.89%
EPS Next 5YN/A
Revenue 1Y (TTM)-50.15%
Revenue growth 3Y-6.85%
Revenue growth 5Y-14.81%
Sales Q2Q%-165.43%
Revenue Next Year39.07%
Revenue Next 2Y20.1%
Revenue Next 3Y16.4%
Revenue Next 5YN/A
EBIT growth 1Y-100.63%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year175.12%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y59.3%
FCF growth 3Y9.09%
FCF growth 5YN/A
OCF growth 1Y55.83%
OCF growth 3Y8.3%
OCF growth 5YN/A