AEON Credit Service (Asia) Company Limited Logo

AEON Credit Service (Asia) Company Limited

0900.HK

(3.2)
Stock Price

5,80 HKD

4.94% ROA

9.4% ROE

6.86x PER

Market Cap.

2.596.349.200,00 HKD

75.01% DER

7.74% Yield

25.28% NPM

AEON Credit Service (Asia) Company Limited Stock Analysis

AEON Credit Service (Asia) Company Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

AEON Credit Service (Asia) Company Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.57x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROE

The stock's ROE falls within an average range (7.34%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (4.04%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 DER

The stock has a reasonable amount of debt compared to its ownership (56%), suggesting a balanced financial position and a moderate level of risk.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

8 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

9 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

10 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

11 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (20) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

AEON Credit Service (Asia) Company Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

AEON Credit Service (Asia) Company Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

AEON Credit Service (Asia) Company Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

AEON Credit Service (Asia) Company Limited Revenue
Year Revenue Growth
1999 642.361.000
2000 646.968.000 0.71%
2001 711.788.000 9.11%
2002 625.061.000 -13.87%
2003 471.783.000 -32.49%
2004 569.789.000 17.2%
2005 764.433.000 25.46%
2006 958.524.000 20.25%
2007 1.004.211.000 4.55%
2008 1.064.097.000 5.63%
2009 1.030.356.000 -3.27%
2010 985.593.000 -4.54%
2011 1.039.495.000 5.19%
2012 1.038.666.000 -0.08%
2013 1.074.266.000 3.31%
2014 1.206.126.000 10.93%
2015 1.174.260.000 -2.71%
2016 1.058.700.000 -10.92%
2017 1.115.158.000 5.06%
2018 1.245.250.000 10.45%
2019 1.232.930.000 -1%
2020 1.065.564.000 -15.71%
2021 1.020.671.000 -4.4%
2022 1.237.178.000 17.5%
2023 1.529.752.000 19.13%
2023 1.627.699.000 6.02%
2024 1.154.772.000 -40.95%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

AEON Credit Service (Asia) Company Limited Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

AEON Credit Service (Asia) Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 113.267.000 100%
2011 119.659.000 5.34%
2012 125.680.000 4.79%
2013 149.930.000 16.17%
2014 142.954.000 -4.88%
2015 178.774.000 20.04%
2016 162.259.000 -10.18%
2017 162.466.000 0.13%
2018 166.035.000 2.15%
2019 167.542.000 0.9%
2020 154.784.000 -8.24%
2021 175.901.000 12.01%
2022 179.751.000 2.14%
2023 215.024.000 16.4%
2023 204.410.000 -5.19%
2024 220.432.000 7.27%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

AEON Credit Service (Asia) Company Limited EBITDA
Year EBITDA Growth
1999 389.770.000
2000 433.951.000 10.18%
2001 418.469.000 -3.7%
2002 307.990.000 -35.87%
2003 290.975.000 -5.85%
2004 294.413.000 1.17%
2005 376.583.000 21.82%
2006 507.280.000 25.76%
2007 543.045.000 6.59%
2008 538.831.000 -0.78%
2009 491.045.000 -9.73%
2010 470.909.000 -4.28%
2011 509.111.000 7.5%
2012 493.555.000 -3.15%
2013 411.246.000 -20.01%
2014 487.655.000 15.67%
2015 448.899.000 -8.63%
2016 503.137.000 10.78%
2017 575.102.000 12.51%
2018 643.758.000 10.66%
2019 528.571.000 -21.79%
2020 439.265.000 -20.33%
2021 513.917.000 14.53%
2022 576.261.000 10.82%
2023 533.848.000 -7.94%
2023 1.030.117.000 48.18%
2024 -168.000 613264.88%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

AEON Credit Service (Asia) Company Limited Gross Profit
Year Gross Profit Growth
1999 642.361.000
2000 646.968.000 0.71%
2001 711.788.000 9.11%
2002 625.061.000 -13.87%
2003 471.783.000 -32.49%
2004 569.789.000 17.2%
2005 764.433.000 25.46%
2006 958.524.000 20.25%
2007 1.004.211.000 4.55%
2008 1.064.097.000 5.63%
2009 1.030.356.000 -3.27%
2010 985.593.000 -4.54%
2011 1.039.495.000 5.19%
2012 1.038.666.000 -0.08%
2013 1.074.266.000 3.31%
2014 1.206.126.000 10.93%
2015 1.174.260.000 -2.71%
2016 1.058.700.000 -10.92%
2017 1.115.158.000 5.06%
2018 1.245.250.000 10.45%
2019 1.143.679.000 -8.88%
2020 969.876.000 -17.92%
2021 925.154.000 -4.83%
2022 1.155.784.000 19.95%
2023 1.529.752.000 24.45%
2023 1.541.843.000 0.78%
2024 1.044.924.000 -47.56%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

AEON Credit Service (Asia) Company Limited Net Profit
Year Net Profit Growth
1999 180.020.000
2000 210.004.000 14.28%
2001 211.002.000 0.47%
2002 117.305.000 -79.87%
2003 119.362.000 1.72%
2004 146.341.000 18.44%
2005 186.113.000 21.37%
2006 266.696.000 30.22%
2007 291.261.000 8.43%
2008 296.963.000 1.92%
2009 259.402.000 -14.48%
2010 252.182.000 -2.86%
2011 301.319.000 16.31%
2012 295.272.000 -2.05%
2013 221.948.000 -33.04%
2014 282.404.000 21.41%
2015 249.967.000 -12.98%
2016 298.796.000 16.34%
2017 371.148.000 19.49%
2018 437.254.000 15.12%
2019 370.083.000 -18.15%
2020 301.575.000 -22.72%
2021 342.592.000 11.97%
2022 373.611.000 8.3%
2023 363.348.000 -2.82%
2023 392.270.000 7.37%
2024 333.020.000 -17.79%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

AEON Credit Service (Asia) Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 1 0%
2001 1 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 0 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

AEON Credit Service (Asia) Company Limited Free Cashflow
Year Free Cashflow Growth
1999 -25.583.000
2000 64.354.000 139.75%
2001 -69.758.000 192.25%
2002 598.980.000 111.65%
2003 -50.261.000 1291.74%
2004 -178.179.000 71.79%
2005 -603.119.000 70.46%
2006 -285.874.000 -110.97%
2007 -146.661.000 -94.92%
2008 89.863.000 263.21%
2009 493.445.000 81.79%
2010 252.113.000 -95.72%
2011 243.555.000 -3.51%
2012 225.039.000 -8.23%
2013 -222.265.000 201.25%
2014 337.397.000 165.88%
2015 357.299.000 5.57%
2016 518.704.000 31.12%
2017 281.050.000 -84.56%
2018 534.418.000 47.41%
2019 800.807.000 33.27%
2020 1.055.331.000 24.12%
2021 43.456.000 -2328.5%
2022 -1.072.712.000 104.05%
2023 -764.815.000 -40.26%
2023 -248.007.000 -208.38%
2024 -15.663.000 -1483.39%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

AEON Credit Service (Asia) Company Limited Operating Cashflow
Year Operating Cashflow Growth
1999 -7.313.000
2000 110.980.000 106.59%
2001 -16.612.000 768.07%
2002 630.734.000 102.63%
2003 -35.023.000 1900.91%
2004 -134.247.000 73.91%
2005 -549.064.000 75.55%
2006 -241.729.000 -127.14%
2007 -123.038.000 -96.47%
2008 124.792.000 198.59%
2009 528.196.000 76.37%
2010 297.064.000 -77.81%
2011 274.650.000 -8.16%
2012 260.805.000 -5.31%
2013 -176.449.000 247.81%
2014 360.070.000 149%
2015 360.056.000 -0%
2016 532.331.000 32.36%
2017 305.392.000 -74.31%
2018 594.285.000 48.61%
2019 842.780.000 29.49%
2020 1.088.110.000 22.55%
2021 74.393.000 -1362.65%
2022 -1.015.785.000 107.32%
2023 -636.756.000 -59.52%
2023 -232.439.000 -173.95%
2024 3.734.000 6324.93%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

AEON Credit Service (Asia) Company Limited Capital Expenditure
Year Capital Expenditure Growth
1999 18.270.000
2000 46.626.000 60.82%
2001 53.146.000 12.27%
2002 31.754.000 -67.37%
2003 15.238.000 -108.39%
2004 43.932.000 65.31%
2005 54.055.000 18.73%
2006 44.145.000 -22.45%
2007 23.623.000 -86.87%
2008 34.929.000 32.37%
2009 34.751.000 -0.51%
2010 44.951.000 22.69%
2011 31.095.000 -44.56%
2012 35.766.000 13.06%
2013 45.816.000 21.94%
2014 22.673.000 -102.07%
2015 2.757.000 -722.38%
2016 13.627.000 79.77%
2017 24.342.000 44.02%
2018 59.867.000 59.34%
2019 41.973.000 -42.63%
2020 32.779.000 -28.05%
2021 30.937.000 -5.95%
2022 56.927.000 45.65%
2023 128.059.000 55.55%
2023 15.568.000 -722.58%
2024 19.397.000 19.74%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

AEON Credit Service (Asia) Company Limited Equity
Year Equity Growth
1999 708.116.000
2000 865.774.000 18.21%
2001 1.055.837.000 18%
2002 1.118.705.000 5.62%
2003 1.183.627.000 5.49%
2004 1.269.247.000 6.75%
2005 1.389.848.000 8.68%
2006 1.476.994.000 5.9%
2007 1.616.959.000 8.66%
2008 1.728.998.000 6.48%
2009 1.879.036.000 7.98%
2010 2.032.395.000 7.55%
2011 2.049.605.000 0.84%
2012 2.229.109.000 8.05%
2013 2.345.575.000 4.97%
2014 2.447.343.000 4.16%
2015 2.543.572.000 3.78%
2016 4.932.040.000 48.43%
2017 5.065.792.000 2.64%
2018 4.908.010.000 -3.21%
2019 4.526.523.000 -8.43%
2020 3.794.716.000 -19.28%
2021 4.124.923.000 8.01%
2022 5.647.438.000 26.96%
2023 3.957.015.000 -42.72%
2023 6.895.281.000 42.61%
2024 4.141.863.999 -66.48%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

AEON Credit Service (Asia) Company Limited Assets
Year Assets Growth
1999 2.988.813.000
2000 3.154.914.000 5.26%
2001 3.295.343.000 4.26%
2002 2.946.952.000 -11.82%
2003 2.984.547.000 1.26%
2004 3.343.061.000 10.72%
2005 4.199.838.000 20.4%
2006 4.949.362.000 15.14%
2007 5.336.192.000 7.25%
2008 5.682.781.000 6.1%
2009 5.489.988.000 -3.51%
2010 5.533.999.000 0.8%
2011 5.482.960.000 -0.93%
2012 5.768.806.000 4.96%
2013 6.097.778.000 5.39%
2014 5.951.429.000 -2.46%
2015 5.941.584.000 -0.17%
2016 6.091.800.000 2.47%
2017 6.192.976.000 1.63%
2018 6.180.684.000 -0.2%
2019 5.729.718.000 -7.87%
2020 5.083.366.000 -12.72%
2021 5.089.556.000 0.12%
2022 6.457.680.000 21.19%
2023 7.083.069.000 8.83%
2023 7.561.232.000 6.32%
2024 7.702.579.000 1.84%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

AEON Credit Service (Asia) Company Limited Liabilities
Year Liabilities Growth
1999 2.280.697.000
2000 2.289.140.000 0.37%
2001 2.239.506.000 -2.22%
2002 1.828.247.000 -22.49%
2003 1.800.920.000 -1.52%
2004 2.073.814.000 13.16%
2005 2.809.990.000 26.2%
2006 3.472.368.000 19.08%
2007 3.719.233.000 6.64%
2008 3.953.783.000 5.93%
2009 3.610.952.000 -9.49%
2010 3.501.604.000 -3.12%
2011 3.433.355.000 -1.99%
2012 3.539.697.000 3%
2013 3.752.203.000 5.66%
2014 3.504.086.000 -7.08%
2015 3.398.012.000 -3.12%
2016 3.349.729.000 -1.44%
2017 3.187.935.000 -5.08%
2018 2.990.037.000 -6.62%
2019 2.416.176.000 -23.75%
2020 1.661.336.000 -45.44%
2021 1.456.014.000 -14.1%
2022 2.565.220.000 43.24%
2023 3.126.054.000 17.94%
2023 3.493.239.000 10.51%
2024 1.630.289.000 -114.27%

AEON Credit Service (Asia) Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.58
Net Income per Share
0.9
Price to Earning Ratio
6.86x
Price To Sales Ratio
1.73x
POCF Ratio
-5.82
PFCF Ratio
-4.91
Price to Book Ratio
0.63
EV to Sales
2.61
EV Over EBITDA
6.95
EV to Operating CashFlow
-8.78
EV to FreeCashFlow
-7.41
Earnings Yield
0.15
FreeCashFlow Yield
-0.2
Market Cap
2,60 Bil.
Enterprise Value
3,91 Bil.
Graham Number
14.18
Graham NetNet
9.01

Income Statement Metrics

Net Income per Share
0.9
Income Quality
-1.18
ROE
0.09
Return On Assets
0.05
Return On Capital Employed
0.09
Net Income per EBT
0.83
EBT Per Ebit
0.77
Ebit per Revenue
0.39
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.14
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.93
Operating Profit Margin
0.39
Pretax Profit Margin
0.3
Net Profit Margin
0.25

Dividends

Dividend Yield
0.08
Dividend Yield %
7.74
Payout Ratio
0.51
Dividend Per Share
0.48

Operating Metrics

Operating Cashflow per Share
-1.06
Free CashFlow per Share
-1.26
Capex to Operating CashFlow
-0.18
Capex to Revenue
0.06
Capex to Depreciation
0.8
Return on Invested Capital
0.07
Return on Tangible Assets
0.05
Days Sales Outstanding
1653.14
Days Payables Outstanding
0
Days of Inventory on Hand
-13.63
Receivables Turnover
0.22
Payables Turnover
0
Inventory Turnover
-26.78
Capex per Share
0.2

Balance Sheet

Cash per Share
0,76
Book Value per Share
14,50
Tangible Book Value per Share
14.39
Shareholders Equity per Share
9.89
Interest Debt per Share
7.63
Debt to Equity
0.75
Debt to Assets
0.4
Net Debt to EBITDA
2.34
Current Ratio
0.21
Tangible Asset Value
6,03 Bil.
Net Current Asset Value
-1,32 Bil.
Invested Capital
-820518000
Working Capital
-1,16 Bil.
Intangibles to Total Assets
0.01
Average Receivables
6,75 Bil.
Average Payables
0,13 Bil.
Average Inventory
-1922500
Debt to Market Cap
1.2

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

AEON Credit Service (Asia) Company Limited Dividends
Year Dividends Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

AEON Credit Service (Asia) Company Limited Profile

About AEON Credit Service (Asia) Company Limited

AEON Credit Service (Asia) Company Limited, together with its subsidiaries, engages in the consumer finance business primarily in Hong Kong. It operates through three segments: Credit Cards, Personal Loans, and Insurance. The Credit Card segment offers credit card services to individuals; and acquiring services for member stores. The Personal Loans segment provides personal loan financing services to individuals. The Insurance segment offers insurance agency and brokerage services. It also provides card payment processing and microfinance services. The company was founded in 1987 and is headquartered in Tsim Sha Tsui, Hong Kong. AEON Credit Service (Asia) Company Limited is a subsidiary of AEON Financial Service (Hong Kong) Co., Limited.

CEO
Mr. Aiguo Wei
Employee
581
Address
Mira Place Tower A
Tsim Sha Tsui,

AEON Credit Service (Asia) Company Limited Executives & BODs

AEON Credit Service (Asia) Company Limited Executives & BODs
# Name Age
1 Ms. Yuk Fong Wan
Executive Director
70
2 Mr. Aiguo Wei
MD & Executive Director
70
3 Mr. Tun Shun Hung
Company Secretary and Head of the Legal, Compliance & Secretarial Department
70
4 Mr. Yuk Kwong Lai
Deputy MD & Executive Director
70
5 Mr. Tony Fung
Chief Information Officer
70
6 Mr. Yoshiki Mori
Senior Adviser
70

AEON Credit Service (Asia) Company Limited Competitors