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AEON Credit Service (Asia) Co., Ltd. (0900) AI Stock Analysis
AEON Credit Service (Asia) Co., Ltd.
(HKEX:0900)
The score is driven primarily by attractive valuation (low P/E and high dividend yield) and generally solid financial performance led by strong profitability. Offsetting these positives are cash-flow consistency concerns and only moderately strong technical momentum, with indicators suggesting the stock is trending up but not in a decisively strong momentum phase.
AEON Credit Service (Asia) Co., Ltd. (0900) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 3.66B
- Dividend Yield
- 6.97%
- Average Volume (3M)
- 88.41K
- Price to Earnings (P/E)
- 7.5
- Beta (1Y)
- 0.26
- Revenue Growth
- 4.43%
- EPS Growth
- 6.41%
- Country
- Hong Kong
- Employees
- 607
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
AEON Credit Service (Asia) Co., Ltd. Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
The company makes money primarily by extending consumer credit and earning finance-related income from borrowers and cardholders, complemented by fees and merchant-related income tied to payment and instalment products. Key revenue streams typically...
AEON Credit Service (Asia) Co., Ltd. Financial Statement Overview
Summary
Income statement strength (score 78) is supported by strong profitability and healthy margins, while the balance sheet is generally stable (score 70) with moderate leverage but a rising leverage trend over time. Cash flow is the main constraint (score 58) due to historical volatility and weaker operating cash flow conversion despite recent improvement.
Income Statement
78PositiveBalance Sheet
70PositiveCash Flow
58Neutral| Breakdown | TTM | Feb 2025 | Feb 2024 | Feb 2023 | Feb 2022 | Feb 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.04B | 1.84B | 1.23B | 1.63B | 1.24B | 1.07B |
| Gross Profit | 1.70B | 1.63B | 1.23B | 1.54B | 1.16B | 976.80M |
| EBITDA | 803.94M | 777.52M | 720.77M | 682.64M | 534.38M | 513.76M |
| Net Income | 493.42M | 468.20M | 400.48M | 392.27M | 373.61M | 342.59M |
Balance Sheet | ||||||
| Total Assets | 8.41B | 8.38B | 7.87B | 7.56B | 6.46B | 5.09B |
| Cash, Cash Equivalents and Short-Term Investments | 267.81M | 260.42M | 249.84M | 295.38M | 395.40M | 650.35M |
| Total Debt | 3.39B | 3.47B | 3.27B | 3.10B | 2.15B | 1.14B |
| Total Liabilities | 3.80B | 3.90B | 3.62B | 3.49B | 2.57B | 1.46B |
| Stockholders Equity | 4.61B | 4.48B | 4.25B | 4.07B | 3.89B | 3.63B |
Cash Flow | ||||||
| Free Cash Flow | 225.10M | 65.67M | 121.06M | -764.61M | -1.07B | 43.46M |
| Operating Cash Flow | 243.60M | 86.50M | 156.98M | -637.40M | -1.02B | 74.39M |
| Investing Cash Flow | -23.27M | -20.46M | -39.97M | -121.20M | -9.14M | -51.98M |
| Financing Cash Flow | -171.49M | -54.57M | -143.16M | 644.49M | 827.42M | -298.93M |
AEON Credit Service (Asia) Co., Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0900, the sentiment is Positive. The current price of 8.75 is below the 20-day moving average (MA) of 8.76, below the 50-day MA of 8.78, and above the 200-day MA of 7.97, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 50.53 is Neutral, neither overbought nor oversold. The STOCH value of 49.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:0900.
AEON Credit Service (Asia) Co., Ltd. Peers Comparison
Overall Rating
- HK:090074Outperform
HK:200353Neutral
HK:662350Neutral
HK:062844Neutral
HK:205138Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:0900 | 74Outperform | HKD 3.66B | 7.48 | 10.90% | 6.97% | 4.43% | 6.41% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:2003 | 53Neutral | HKD 554.16M | -0.62 | -19.32% | 21.93% | -32.03% | -235.24% |
| HK:6623 | 50Neutral | HKD 5.46B | -5.61 | -1.11% | ― | ― | ― |
| HK:0628 | 44Neutral | HKD 1.27B | 10.83 | 3.61% | ― | 26.14% | 90.63% |
| HK:2051 | 38Underperform | HKD 472.70M | -2.39 | -24.06% | ― | 33.07% | -135.86% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:0900 | AEON Credit Service (Asia) Co., Ltd. | 8.75 | 1.70 | 24.13% | |
| HK:0628 | Gome Finance Technology Co | 0.24 | 0.02 | 6.99% | |
| HK:2051 | 51 Credit Card Inc. | 0.29 | -0.23 | -44.23% | |
| HK:2003 | VCREDIT Holdings Limited | 1.14 | -1.78 | -60.96% | |
| HK:3660 | Qfin Holdings Inc | 20.58 | -62.24 | -75.15% | |
| HK:6623 | Lufax Holding Ltd Class A | 3.25 | -7.65 | -70.14% |
AEON Credit Service (Asia) Co., Ltd. Corporate Events
AEON Credit Service (Asia) Delivers Higher Earnings in First Half of 2026
AEON Credit Service (Asia) reported unaudited consolidated revenue of HK$961.4 million for the six months ended 31 August 2026, up from HK$897.1 million a year earlier, driven largely by higher interest income. Net interest income rose to HK$765.1 mi...
AEON Credit Service (Asia) Declares HKD 0.28 Interim Dividend for First Half of 2026
AEON Credit Service (Asia) Company Limited declared an ordinary interim cash dividend of HKD 0.28 per share for the six months ended 31 August 2026, for the financial year ending 28 February 2027. The ex-dividend date is set for 13 October 2026, with...
AEON Credit Service (Asia) Sets Board Meeting to Approve Interim Results and Dividend
AEON Credit Service (Asia) Company Limited has scheduled a board meeting for 28 September 2026 to approve the interim results for the six months ended 31 August 2026 and to consider the declaration of an interim dividend. The timing signals the compa...
AEON Credit Restores Public Float After FMR LLC Cuts Stake
AEON Credit Service (Asia) Co., Ltd. announced that its public float has been restored after a reduction in the shareholding of FMR LLC. Following the on-exchange disposal of 42,000 shares, FMR LLC’s interest fell to about 9.99% of the company,...
AEON Credit Moves to Restore Public Float After Stake Buildup by FMR LLC
AEON Credit Service (Asia) has disclosed that its public float has dropped to about 19.57%, below the 25% minimum required under Hong Kong listing rules, after institutional investor FMR LLC’s stake rose to 10%, classifying it as a substantial...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 01, 2026