AEON Credit Service (Asia) Co., Ltd. stock analysis
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AEON Credit Service (Asia) Co., Ltd. (0900) Stock Price & Analysis
0900 Stock Chart & Stats
- Day’s Range
- HKD 8.69 - HKD 8.78
- 52-Week Range
- HKD 7.05 - HKD 9.29
- Previous Close
- HKD 8.73
- Volume
- N/A
- Average Volume (3M)
- 94.92K
- Market Cap
- HKD 3.66B
- Enterprise Value
- HKD 6.93B
- Total Cash (Recent Filing)
- HKD 267.81M
- Total Debt (Recent Filing)
- HKD 3.39B
- Price to Earnings (P/E)
- 7.5
- Beta
- 0.24
- Next Earnings
- Dec 17, 2026 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Oct 13, 2026
- Dividend Yield
- 6.99%
Bulls Say, Bears Say
Bulls Say
Strong Profitability
A roughly 24% TTM net margin indicates the lending and payment model is generating substantial earnings from its revenue base. Healthy operating profitability can support reinvestment in customer acquisition, underwriting and servicing while providing resilience across the next several quarters.
Positive Revenue Growth
Positive overall revenue growth, together with TTM acceleration, suggests the company continues to expand its credit and payment activity. Sustained top-line progress can enlarge receivables and fee-generating transactions, strengthening the platform’s earnings base over the medium term.
Improving Free Cash Flow Quality
Free cash flow near 92% of net income is a constructive sign that reported earnings are translating into cash in the latest period. Exceptionally strong free-cash-flow growth also improves internal funding capacity, provided the recent improvement persists through normal lending cycles.
Bears Say
Rising Leverage Trend
Although leverage is described as moderate and the balance sheet generally stable, debt has drifted higher relative to equity over multiple years. Continued leverage growth could reduce financial flexibility and increase sensitivity to funding costs or weaker credit conditions.
Uneven Cash Conversion
Low TTM operating-cash-flow conversion and prior large negative cash-flow periods show that profits have not converted to cash consistently. Such volatility can complicate funding and capital allocation, especially when receivables or other working-capital movements change materially.
Revenue Volatility
The 2025 revenue decline demonstrates that growth has not been uniform across reporting periods. This variability makes the medium-term earnings trajectory less predictable and could limit the reliability of expansion assumptions even while the latest TTM trend is improving.
AEON Credit Service (Asia) Co., Ltd. News
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AEON Credit Service (Asia) Co., Ltd. Stock Smart Score
Company Description
AEON Credit Service (Asia) Co., Ltd.
AEON Credit Service (Asia) Company Limited, alongside its associated companies, operates predominantly within the consumer financial sector across Hong Kong. The organization structures its operations into three main divisions: Credit Cards, Personal Loans, and Insurance. The Credit Card segment furnishes credit facilities to individual clients and handles merchant acquisition services for affiliated stores. Its Personal Loans division provides various financing solutions directly to individuals. Meanwhile, the Insurance segment functions as both an agency and a brokerage, offering diverse insurance products. Additionally, the company delivers card payment processing and microfinance services. Established in 1987, the firm's principal office is located in Tsim Sha Tsui, Hong Kong. AEON Credit Service (Asia) Company Limited operates as a subsidiary of AEON Financial Service (Hong Kong) Co., Limited.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Aiguo Wei
- Employees
- 607
- Website
- www.aeon.com.hk
- Address
- HK
AEON Credit Service (Asia) Co., Ltd. (0900) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 6 | 2 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 11 | 0 | 1 |







