Overview
Other Financing Business

ACOM CO.,LTD.

ACOM is a consumer finance company and consolidated subsidiary of Mitsubishi UFJ Financial Group (MUFG), providing unsecured personal loans, credit card services, and credit guarantee services primarily in Japan. The company also operates overseas through subsidiaries in Thailand (EASY BUY), the Philippines (ACOM CONSUMER FINANCE CORPORATION), and Malaysia (ACOM (M) SDN. BHD.), offering unsecured and installment loan products. Additional business lines include debt management and collection services through IR Debt Collection Co., Ltd., and embedded finance via its fintech subsidiary GeNiE Co., Ltd.

Market Cap
¥698B
US$4.45B
EV
¥—B
Stock¥445.7▼-0.71%
US$1 = ¥156.80 (2026-10-23)
ROE
9.0%
* LTM NI / end-of-period equity
PBR
1.0
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▼-21.5%pt
100
Oct 24, 25 – Oct 23, 26StockTOPIX
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Performance & Balance
Revenue 5Y (¥B)
262US$1.67B'22/3274US$1.75B'23/3295US$1.88B'24/3318US$2.03B'25/3338US$2.15B'26/3
EBITDA 5Y (¥B)
38.1US$243M'22/390.9US$580M'23/389.8US$573M'24/362.4US$398M'25/3104US$665M'26/3
Net Income 5Y (¥B)
55.7US$355M'22/354.9US$350M'23/353.1US$339M'24/332.1US$205M'25/379.6US$508M'26/3
Capital Structure
49%
51%
EquityD/E 1.04xDebt
Liquidity vs Debt 5Y (¥B)▼ Net Debt
CashInv. Sec.Debt
75.5US$481M571US$3.64B'22/359.1US$377M581US$3.71B'23/374.9US$478M665US$4.24B'24/361.7US$394M688US$4.39B'25/381.9US$522M733US$4.68B'26/3
Shareholders
Top 10 hold 83.0%
1
Mitsubishi UFJ Financial Group,Inc.
37.57%
2
Marutoshi Shokusan Co., Ltd.
17.45%
3
Maruito Co., Ltd.
8.01%
4
The Master Trust Bank of Japan, Ltd. (Trust Account)
7.29%
5
Kinoshita Memorial Foundation (Public Interest Incorporated Foundation)
5.88%
6
Marutoshi Shoten Co., Ltd.
2.47%
7
Mitsubishi UFJ Trust and Banking Corporation
2.01%
8
Custody Bank of Japan, Ltd. (Trust Account)
1.04%
9
MASA & COMPANY Co., Ltd.
0.70%
10
野村信託銀行株式会社(退職給付信託・三菱UFJ信託銀行口)
0.57%
Management
10 officers
Moriyoshi KINOSHITA
Representative Director, Chairman
Apr 1973 Joined Marubeni Corporation Apr 1978 Joined Nihon Shohisha Kinyu Co., Ltd. Dec 1980 Joined the Company Feb 1983 Director, General Manager of General Affairs Department May 1984 Director, General Manager of Accounting Department Aug 1986 Managing Director Jun 1988 Managing Director, General Manager of Sales Promotion Division Oct 1991 Representative Director, Senior Managing Director Oct 1992 Representative Director, Senior Managing Director, General Manager of Loan Sales Division Oct 1996 Representative Director, Executive Vice President Jun 2000 Representative Director, President Jun 2003 President and Executive Officer Jun 2010 Representative Director, President and Chairman Jun 2021 Representative Director, Chairman (current)
1949-04-14
Masataka KINOSHITA
Representative Director, President and Executive Officer
Apr 2003 Joined ABeam Consulting Ltd. Sep 2005 Joined the Company Oct 2009 General Manager, Screening Division Jan 2010 General Manager, Corporate Planning Department Apr 2010 General Manager, Guarantee Business Department Apr 2012 General Manager, Sales Promotion Department Apr 2013 General Manager, Sales Planning Department Apr 2014 Executive Officer, General Manager, Sales Planning Department Jun 2014 Managing Executive Officer, Deputy General Manager, Sales Division, and General Manager, Sales Planning Department Apr 2015 Managing Executive Officer, Deputy General Manager, Sales Division Jun 2015 Managing Director Jun 2015 Managing Executive Officer, General Manager, Sales Division Jun 2016 Managing Executive Officer Jun 2017 Representative Director, Executive Vice President Jun 2017 Executive Vice President and Executive Officer Jun 2021 Representative Director, President (current) Jun 2021 President and Executive Officer (current)
1977-09-19
Takashi KIRIBUCHI
Director, Executive Vice President and Executive Officer; General Manager, Systems Division; in charge of System Development Department, System Operations Department, System Planning Office, System Management Office and Cybersecurity Promotion Office
Mar 1982 Joined the Company Apr 2004 General Manager, Systems Department Jul 2005 General Manager, Public Relations Department Oct 2005 General Manager, Public Relations Department Apr 2011 General Manager, Finance Department No. 2 Apr 2015 Executive Officer, General Manager, Finance Department No. 2 Jun 2017 Executive Officer, General Manager, Corporate Planning Department Jun 2020 Managing Director Jun 2020 Managing Executive Officer, General Manager, Systems Management Division Apr 2021 Managing Executive Officer, General Manager, Systems Division Jun 2021 Senior Managing Director Jun 2021 Senior Managing Executive Officer, General Manager, Systems Division Jun 2023 Director, Executive Vice President (current) Jun 2023 Executive Vice President and Executive Officer, General Manager, Systems Division (current)
1961-10-25
Yuji KINOSHITA
Senior Managing Director and Senior Managing Executive Officer; General Manager, Sales Division; in charge of Sales Promotion Department, East Japan Sales Department, West Japan Sales Department, Sales Compliance Promotion Office, Credit Management Department and Credit Management Compliance Promotion Office
Jul 1988 Joined the Company Apr 2014 General Manager, Sales Promotion Department Apr 2016 General Manager, Sales Promotion Department Apr 2017 General Manager, Sales Planning Department Apr 2018 Executive Officer, General Manager, Sales Planning Department Apr 2019 Executive Officer, General Manager, Sales Promotion Department Jun 2021 Managing Executive Officer Jun 2025 Director, GeNiE Co., Ltd. (current) Jun 2026 Senior Managing Director of the Company (scheduled) Jun 2026 Senior Managing Executive Officer, General Manager, Sales Division (scheduled)
1965-03-25
Tetsuhiro KIYOOKA
Director, Full-time Audit and Supervisory Committee Member
Apr 1990 Joined National Mutual Insurance Federation of Agricultural Cooperatives Apr 2006 Joined the Company Oct 2009 Director, General Manager, Management Division, I&R Debt Collection Co., Ltd. Apr 2011 General Manager, Finance Department No. 2 Apr 2013 General Manager, Corporate Planning Department Apr 2014 General Manager, Finance Department No. 1 Jun 2015 Executive Officer, General Manager, Finance Department No. 1 Apr 2017 Executive Officer (Special Assignment, General Affairs) Jun 2017 Executive Officer, General Manager, General Affairs Department Apr 2019 Executive Officer (Special Assignment, Corporate Planning Department) Apr 2019 Managing Executive Officer, I&R Debt Collection Co., Ltd. Jun 2019 Representative Director, President, I&R Debt Collection Co., Ltd. Jun 2019 President and Executive Officer, I&R Debt Collection Co., Ltd. Apr 2020 Executive Officer (Special Assignment, Screening Division) Apr 2024 Executive Officer (Special Assignment, Credit Management Department) Jun 2024 Director, Full-time Audit and Supervisory Committee Member (current)
1967-12-04
Hiroshi NARUSE
Representative Director, Vice Chairman; in charge of Internal Audit Department
Apr 1981 Joined Mitsubishi Trust and Banking Corporation Jun 2008 Executive Officer, Trust Assets Planning Department, Mitsubishi UFJ Trust and Banking Corporation Jun 2008 President, Mitsubishi UFJ Global Custody S.A. May 2010 Executive Officer, General Manager, Systems Planning Department, Mitsubishi UFJ Trust and Banking Corporation Jun 2010 Executive Officer, Mitsubishi UFJ Financial Group, Inc. Apr 2011 President, Mitsubishi UFJ Trust Systems Co., Ltd. Jun 2011 Managing Director, Mitsubishi UFJ Trust and Banking Corporation Jun 2013 Senior Managing Director, Mitsubishi UFJ Trust and Banking Corporation Jun 2013 Managing Executive Officer, Mitsubishi UFJ Financial Group, Inc. Jun 2014 President, M.U. Trust Appleplanning Co., Ltd. Jun 2016 Director, Vice President and Executive Officer, Mitsubishi UFJ Trust and Banking Corporation May 2018 Executive Managing Officer, Mitsubishi UFJ Financial Group, Inc. Apr 2019 President, Japan Master Trust Bank, Ltd. Apr 2021 Advisor, Japan Master Trust Bank, Ltd. Jun 2021 Representative Director, Vice Chairman of the Company (current)
1958-12-04
Tadashi YAMAMOTO
Director
Apr 1992 Joined The Bank of Tokyo, Ltd. May 2017 Deputy General Manager, East Asia Planning Department, East Asia Division, Mitsubishi Tokyo UFJ Bank, Ltd. Apr 2018 Deputy General Manager, East Asia Planning Department, East Asia Division, MUFJ Bank, Ltd. May 2018 General Manager, Credit Planning Department, MUFJ Bank, Ltd. May 2018 General Manager, Credit Planning Department, Mitsubishi UFJ Financial Group, Inc. Jun 2018 Executive Officer, General Manager, Credit Planning Department, MUFJ Bank, Ltd. Jun 2018 Executive Officer, General Manager, Credit Planning Department, Mitsubishi UFJ Financial Group, Inc. Apr 2021 Executive Officer, General Manager, Corporate Planning Department, MUFJ Bank, Ltd. Apr 2021 Executive Officer, General Manager, Corporate Planning Department, Mitsubishi UFJ Financial Group, Inc. Apr 2022 Managing Executive Officer, CSO (in charge of Corporate Planning Department, excluding Finance, Resource Management, Overseas Business and Chairman's Office), CPM and General Affairs Department, MUFJ Bank, Ltd. Apr 2022 Group Deputy CSO, Mitsubishi UFJ Financial Group, Inc. Jun 2022 Director, Managing Executive Officer, CSO (in charge of Corporate Planning Department, excluding Finance, Resource Management, Overseas Business and Chairman's Office), CPM and General Affairs Department, MUFJ Bank, Ltd. Apr 2023 Director, Managing Executive Officer, Head of Digital Services Division and CDTO (in charge of Digital Service Planning Department), MUFJ Bank, Ltd. Apr 2023 Executive Managing Officer, Head of Digital Services Business and Group CDTO, Mitsubishi UFJ Financial Group, Inc. Jun 2023 Director of the Company (current) Apr 2024 Executive Managing Officer, Head of Retail & Digital Business and Group CDTO, Mitsubishi UFJ Financial Group, Inc. Apr 2024 Director, Managing Executive Officer, Head of Retail & Digital Division and CDTO (in charge of Digital Strategy Department), MUFJ Bank, Ltd. Apr 2026 Senior Managing Executive Officer, Head of Retail & Digital Business and Group CDTO, Mitsubishi UFJ Financial Group, Inc. (current) Apr 2026 Director, Senior Managing Executive Officer, Co-Head of Retail & Digital Division and CDTO (in charge of Digital Strategy Department and Digital Solutions Department), MUFJ Bank, Ltd. (current)
1969-05-23
Michelle TAN
Director
Apr 1997 Director, Kansai Consumer Association Foundation Apr 1997 Associate Professor, Faculty of Law and Policy, Tezukayama University Apr 2005 Professor, Faculty of Law and Policy, Tezukayama University Jun 2007 Chairperson, NPO Consumer Net Japan (Jacoo-Net) Apr 2010 Professor, Faculty of Law, Tezukayama University Jun 2013 Councillor, Kansai Consumer Association Foundation Jun 2013 Director, Intasect Research Institute Co., Ltd. (now Intasect Global Solutions Co., Ltd.) (current) Jun 2018 President, Osaka Prefectural Federation of Consumers' Cooperatives Oct 2022 Director, Ethical Business Research Institute (current) Jun 2024 Director of the Company (current) Mar 2025 Director, Intasect Global Solutions Australia Pty Ltd (current)
1961-07-30
Kikuo ASANO
Director, Full-time Audit and Supervisory Committee Member
Apr 1982 Joined Meiji Life Insurance Company Apr 2005 General Manager, Revenue Management Department, Meiji Yasuda Life Insurance Company Apr 2012 Executive Officer, General Manager, Revenue Management Department, Meiji Yasuda Life Insurance Company Apr 2013 Executive Officer, Meiji Yasuda Life Insurance Company Jun 2013 Chairman, Japan Institute of Actuaries Jul 2013 Managing Executive Officer, Meiji Yasuda Life Insurance Company Apr 2015 Senior Managing Executive Officer, Meiji Yasuda Life Insurance Company Apr 2017 President, Meiji Yasuda Building Management Co., Ltd. Nov 2018 Deputy Chairman, Pension Actuarial Subcommittee, Social Security Council Jun 2019 Outside Director, The Juhachi Bank, Ltd. (now Juhachi Financial Group, Inc.) Apr 2023 Chairman, Meiji Yasuda Building Management Co., Ltd. Apr 2024 Chairman, Meiji Yasuda System Technology Co., Ltd. Jun 2025 Director, Audit and Supervisory Committee Member of the Company Apr 2026 Director, Full-time Audit and Supervisory Committee Member (current)
1959-02-13
Takuji AKIYAMA
Director, Audit and Supervisory Committee Member
Mar 1982 Joined Tohmatsu Aoki & Co. (now Deloitte Touche Tohmatsu LLC) Apr 1986 Registered as Certified Public Accountant Aug 2018 Left Deloitte Touche Tohmatsu LLC Sep 2018 Representative, Takuji Akiyama CPA Office (current) Feb 2019 Outside Audit & Supervisory Board Member, Iwaki Co., Ltd. (now Astena Holdings Co., Ltd.) (current) Jun 2021 Director, Audit and Supervisory Committee Member of the Company (current)
1958-02-17
Large Shareholding Reports
Maruito Co., Ltd.
2026-05-13
7.86%→8.01%
Correction filing (name/detail fix only) — ratio carried over from the original filing
Annual report (as of 2026-03-31): 8.01%
Mitsubishi UFJ Financial Group, Inc.
2026-05-08
37.58%→37.58%
Annual report (as of 2026-03-31): 37.57%
Maruito Co., Ltd.
2026-05-08
7.86%→8.01%
Annual report (as of 2026-03-31): 8.01%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-07-29
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-16
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINETAmended
2026-05-13
Change Report
EDINET
2026-05-08
Large Shareholding Report
EDINET
2026-05-08
Large Shareholding Report
TDnet
2026-01-30
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-13
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-07-29
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-19
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-01-31
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-14
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-07-29
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-21
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-13
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-14
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-14
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-23
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-14
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-14
Quarterly Securities Report
EDINET
2022-08-12
Quarterly Securities Report
EDINET
2022-06-24
Annual Securities Report
EDINET
2022-02-14
Quarterly Securities Report
EDINET
2021-11-12
Quarterly Securities Report
EDINETAmended
2021-11-09
Amended Annual Securities Report
EDINETAmended
2021-11-09
Amended Annual Securities Report
EDINET
2021-08-13
Quarterly Securities Report
EDINET
2021-06-24
Annual Securities Report
EDINET
2021-02-15
Quarterly Securities Report
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