Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Axactor ASA is a Nordic-based debt management company specializing in the acquisition and collection of non-performing loan portfolios, as well as providing third-party collection services. Headquartered in Oslo and founded in 2015, it operates across six European countries: Norway, Sweden, Finland, Germany, Spain, and Italy, positioning itself as one of the top 10 debt management providers in the region. The company pursues a niche strategy focused on unsecured business-to-consumer loans from banks and financial institutions, while also handling secured non-performing loans and real estate owned portfolios derived from mortgage shortfalls. Axactor emphasizes cost leadership through its low cost-to-collect model, innovative digital platforms, and state-of-the-art IT solutions designed to scale operations efficiently. With over 1,200 employees and a book value of own portfolios exceeding EUR 1 billion, it plays a key role in the credit services sector by aiding companies in recovering funds, improving liquidity, and supporting individuals toward financial recovery, all while driving sustainable growth in the expansive European debt collection market estimated at around 1,000 billion euros.
NOK 0.42
+NOK 0.00 (+0.72%)
EOD Jul 1, 2026
19.62% operating margin is respectable but not wide. ROIC at 3.24%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue up 107.4% YoY with margins expanding 86.5pp.
Net debt of €807M represents 5.8x FCF, leverage limits flexibility.
0.3x earnings, 0.1x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (FY)
€260M
▲ +107.4% YoY
Net Income (FY)
€36M
▲ +147.5% YoY
Op. Margin
19.62%
▲ +86.5pp YoY
ROIC
3.24%
▲ +8.4pp YoY
Cash Flow & Balance Sheet
FCF (FY)
€140M
▲ +7.1% YoY
Op. Cash Flow (FY)
€205M
▼ -25.4% YoY
Net Debt
€807M
Cash & Equiv.
€36M
3Y CAGR: +2.4%
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At a P/E of 0.3 and a price-to-free-cash-flow of 0.1, Axactor ASA (ACR.XOSL) trades below a two-stage DCF intrinsic value of about €7.08 per share, so at €0.42 the stock looks undervalued (1,586.6% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Axactor ASA scores 48/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €7.08 per share for ACR.XOSL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €5.31. At today's €0.42, that puts the stock about 1,586.6% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Axactor ASA scores 48 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a 19.6% operating margin and a 3.2% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. ACR.XOSL currently trades below its estimated intrinsic value and scores 48/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.