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    Finance/Rental/Leasing
AEON Credit Service (M) Bhd.

AEON Credit Service (M) Bhd.

MMYX:AEONCR
4.53
MYR
-0.01
(-0.22%)
7.57P/E
Dec 17Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
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
4.93
Basic EPS, GAAP
0.41
0.5
0.53
0.53
0.73
0.69
0.57
0.46
0.72
0.82
0.83
0.73
0.76
0.79
Free Cash Flow per Basic Share
-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
-0.89
Dividend per Share
0.14
0.17
0.2
0.17
0.24
0.21
0.22
0.12
0.24
0.24
0.25
0.28
0.27
0.13
Book Value per Share
1.49
2.21
2.46
2.85
3.74
3.74
3.46
3.71
4.31
4.94
5.17
5.55
6
6.18
Tangible Book Value per Share
1.49
2.21
2.46
2.85
3.74
3.74
3.46
3.71
4.31
4.94
5.16
5.55
6
6.18
Basic Weighted Avg Shares
432
432
432
497
411
511
511
511
511
511
511
511
511
511
Sales/Revenue/Turnover
673
872
965
1,102
1,235
1,366
1,599
1,562
1,525
1,640
1,912
2,201
2,472
2,519
Operating Margin (%)
35.55
33.37
31.26
31.87
32.25
34.56
24.6
21.27
34.7
33.46
30.5
26.53
25.28
25.74
Depreciation Expense
17
19
19
23
25
36
65
71
70
63
60
58
65
65
Net Income, GAAP
175
216
228
265
300
355
292
234
365
418
424
371
386
402
Effective Tax Rate (%)
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
28.65
Profit Margin (%)
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
15.96
Working Capital
661
1,022
1,530
1,518
-73
1,146
667
1,702
2,422
1,449
743
-289
-6
998
LT Debt
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
9,150
Total Equity
646
956
1,061
1,231
1,858
1,875
1,757
1,893
2,201
2,525
2,638
2,832
3,084
3,177
Return on Invested Capital (%)
6.04
5.15
4.23
4.04
4.12
4.49
3.2
2.43
3.79
4.13
3.85
3.26
3.09
3.12
Return on Capital (%)
6.09
5.18
4.25
4.05
4.13
4.51
3.21
2.44
3.81
4.15
3.75
2.89
2.72
2.75
Return on Common Equity (%)
32.63
26.94
22.64
23.13
19.43
19
16.08
12.82
17.85
17.68
16.43
13.55
13.09
13.33

Capital Structure

MYR

•

in mil. unless spec.
Nov'26
Feb'26
May'27
ST Debt
3,380
3,954
3,217
LT Borrowings
8,428
8,005
9,128
LT Finance Leases
27
24
22
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
511
511
511
Market Capitalization
2,732
2,962
3,043

Working Capital

MYR

•

in mil. unless spec.
Nov'26
Feb'26
May'27
Total Current Assets
4,799
4,952
5,154
Cash, Cash Equivalents & STI
348
334
491
Accounts Receivable, Net
4
5
4
Inventories
- -
- -
- -
Total Current Liabilities
4,235
4,957
4,155
Payables & Accruals
- -
- -
- -
ST Debt
3,380
3,954
3,217
Deferred Revenue
- -
- -
- -

Growth Rates

MYR

•

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

MYR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
522
541
562
575
2,201
2026
600
618
622
631
2,472
2027
648
- -
- -
- -
- -

Quarterly Earnings Per Share

MYR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.21
0.14
0.12
0.26
0.73
2026
0.15
0.14
0.18
0.28
0.76
2027
0.19
- -
- -
- -
- -

Quarterly Dividends Per Share

MYR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
0.14
- -
0.28
2026
- -
- -
0.13
- -
0.27
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Daisuke Maeda
Full Time Employees
3,350
Sector
Finance
Industry
Finance/Rental/Leasing
Address
UOA Corporate Tower Avenue 10 Kuala Lumpur SE Malaysia 59200
IPO Date
Dec 13, 2007
Website
aeoncredit.com.my
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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].