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AEON Credit Service (M) Berhad

AEON Credit Service (M) Berhad

5139.KL
AEON Credit Service (M) BerhadMY flagMalaysian Stock Exchange
5.75
MYR
+0.15
- -
2.94BMarket Cap
AEON Credit Service (M) Berhad
5139.KL
(Malaysian Stock Exchange)

Recent

price

5.75

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
0.62
0.73
1.19
1.56
2.02
2.23
2.22
3
2.67
3.13
3.06
2.99
3.21
3.75
4.31
- -
4.84
Revenue per Share
0.15
0.2
0.34
0.41
0.5
0.53
0.53
0.73
0.69
0.57
0.46
0.72
0.82
0.83
0.73
- -
0.75
Basic EPS, GAAP
-0.23
-0.55
-1.81
-2.45
-1.74
-1.66
-1.13
-0.54
-1.59
-1.92
2.17
1.86
-0.23
-1.34
-1.9
- -
-1.14
Free Cash Flow per Basic Share
0.05
0.06
0.11
0.14
0.17
0.2
0.17
0.24
0.21
0.22
0.12
0.24
0.24
0.25
0.28
- -
0.13
Dividend per Share
0.14
0.13
0.18
0.17
0.17
0.17
1.98
3.7
2.82
3.2
3.55
4.01
4.56
5.13
5.54
- -
6.02
Book Value per Share
0.65
0.73
1.1
1.49
2.21
2.46
2.48
4.51
3.67
3.44
3.71
4.31
4.94
5.16
5.55
- -
6.04
Tangible Book Value per Share
432
470
391
432
432
432
497
411
511
511
511
511
511
511
511
- -
511
Basic Weighted Avg Shares
270
344
467
673
872
965
1,102
1,235
1,366
1,599
1,562
1,525
1,640
1,912
2,201
2,472
2,472
Sales/Revenue/Turnover
43.63
39.25
40.54
37.16
34.33
32.34
32.49
32.79
35.11
26.45
21.83
34.73
33.64
31.55
29.28
25.79
25.58
Operating Margin (%)
10
9
13
17
19
19
23
25
36
65
71
70
63
60
58
65
65
Depreciation Expense
63
96
134
175
216
228
265
300
355
292
234
365
418
424
371
386
384
Net Income, GAAP
25.4
25.34
25.94
25.02
25.42
24.33
24.53
24.67
24.9
25.2
27.99
30.64
23.64
24.98
27.83
28.71
28.71
Effective Tax Rate (%)
23.53
27.77
28.71
26.06
24.75
23.64
24.05
24.29
25.96
18.27
14.98
23.96
25.46
22.17
16.84
15.61
15.55
Profit Margin (%)
445
618
380
661
1,022
1,530
1,518
-73
1,146
667
1,702
2,422
1,449
743
-289
-6
-6
Working Capital
595
878
1,192
2,113
2,966
4,215
4,899
3,262
5,618
5,650
6,579
6,819
6,199
6,631
6,838
8,029
8,029
LT Debt
282
341
429
646
956
1,061
1,231
1,858
1,875
1,757
1,893
2,201
2,525
2,638
2,832
3,084
3,084
Total Equity
8.43
7.83
7.44
6.32
5.29
4.38
4.12
4.19
4.56
3.44
2.49
3.8
4.16
3.98
3.6
3.15
3.17
Return on Invested Capital (%)
10.57
9.8
9.05
7.56
6.45
5.32
4.57
4.38
4.82
3.56
2.53
3.86
4.24
3.92
3.23
2.78
2.77
Return on Capital (%)
105.72
159.34
203.22
243.54
299.62
316.98
50.27
23.95
23.94
19.02
13.58
18.93
19.09
17.14
13.6
13.06
13.31
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Aug'26
Nov'26
Feb'26
ST Debt
3,758
3,380
3,954
LT Borrowings
7,646
8,428
8,005
LT Finance Leases
30
27
24
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
511
511
511
Market Capitalization
2,497
2,732
2,962

Working Capital

FRC

•

in mil. unless spec.
Aug'26
Nov'26
Feb'26
Total Current Assets
4,488
4,799
4,952
Cash, Cash Equivalents & STI
134
348
334
Accounts Receivable, Net
4
4
5
Inventories
- -
- -
- -
Total Current Liabilities
4,604
4,235
4,957
Payables & Accruals
- -
- -
- -
ST Debt
3,758
3,380
3,954
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.1%
10.34%
8.89%
Free Cash Flow
35.75%
73.62%
-39.93%
Net Income, GAAP
7.35%
12.71%
4.12%
Sales/Revenue/Turnover
10.07%
9.84%
12.31%
Total Cash Common Dividend
- -
- -
-2.66%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
453
472
487
502
1,912
2025
522
541
562
575
2,201
2026
600
618
622
631
2,472

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.19
0.24
0.17
0.23
0.83
2025
0.21
0.14
0.12
0.26
0.73
2026
0.15
0.14
0.18
0.28
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.14
- -
0.25
2025
- -
- -
0.14
- -
0.28
2026
- -
- -
0.13
- -
- -
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Business
AEON Credit Service (M) Berhad (AEON Credit) operates as a leading consumer finance company in Malaysia, providing a comprehensive range of credit and financing solutions to individual and corporate customers. The company offers personal financing products including personal loans, cash-i loans compliant with Islamic principles, and low-interest financing schemes; credit card services encompassing AEON Visa and Mastercard co-branded cards with rewards programs, balance transfers, and annual fee waivers; hire purchase financing for motorcycles, passenger vehicles, and commercial vehicles under brands such as AEON Easy Payment Scheme; insurance-related services like takaful protection plans and motor insurance; and digital financial services through its AEON Wallet app for bill payments, reloads, and QR code transactions [ from previous context on company website]. AEON Credit serves retail consumers, small and medium enterprises, and partnerships with retailers across consumer durables, automotive, and e-commerce sectors in Malaysia, with selective operations in Cambodia through its subsidiary AEON Credit Service (Cambodia) Co., Ltd. Founded in 1996 and headquartered in Shah Alam, Selangor, Malaysia, the company functions as a subsidiary of AEON Financial Service Co., Ltd., a Japanese financial group. In recent developments, AEON Credit reported a strategic partnership expansion with ride-hailing platforms for driver financing in 2024 and launched enhanced digital onboarding features in its mobile app during 2025 to boost customer acquisition amid rising fintech competition; it also completed a rights issue for capital strengthening in late 2024, supporting portfolio growth to over MYR 10 billion in financing receivables [ from previous context].