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AEON Credit Service (M) Bhd.

AEON Credit Service (M) Bhd.

MMYX:AEONCR
4.53
MYR
0.00
(0.00%)
7.57P/E
Dec 17Next Earn
AEON Credit Service (M) Bhd.
MYX:AEONCR
(Bursa Malaysia)

Recent

price

4.53

P/E

ratio

7.57

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
MYR
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
4.93
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
0.76
0.79
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
-0.89
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
0.27
0.13
Dividend per Share
0.65
0.79
0.99
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
Book Value per Share
0.65
0.79
0.99
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
Tangible Book Value per Share
432
470
391
432
432
432
497
411
511
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
2,519
Sales/Revenue/Turnover
43.63
39.04
40.1
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
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
402
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
28.65
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
15.96
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
998
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
9,150
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
3,177
Total Equity
8.43
7.79
7.36
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 Invested Capital (%)
8.47
7.83
7.42
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 Capital (%)
23.82
30.67
34.82
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
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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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].