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AEON Credit Service (Asia) Co., Ltd.
(0900)
Select Model
Select Model
Rating:74Outperform
Price Target:
HK$10.00
▲(10.38% Upside)
Action:Upgraded
Date:10/01/26
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.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
AEON Credit Service (Asia) Co., Ltd. (0900) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$3.79B
Dividend Yield6.4%
Average Volume (3M)81.48K
Price to Earnings (P/E)7.7
Beta (1Y)0.27
Revenue Growth4.43%
EPS Growth6.41%
CountryHK
Employees607
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.17
Shares Outstanding418,765,600
10 Day Avg. Volume77,424
30 Day Avg. Volume81,481
Financial Highlights & Ratios
PEG Ratio0.42
Price to Book (P/B)0.73
Price to Sales (P/S)1.77
P/FCF Ratio49.74
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.3
Revenue Forecast (FY)HK$1.97B
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, Perso...
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 typica...
AEON Credit Service (Asia) Co., Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
58
Neutral
| 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
Positive
9.06
Price Trends
9.01
Positive
8.67
Positive
8.05
Positive
Market Momentum
0.02
Positive
51.58
Neutral
39.96
Neutral
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 9.06 is above the 20-day moving average (MA) of 9.06, above the 50-day MA of 9.01, and above the 200-day MA of 8.05, indicating a bullish trend. The MACD of 0.02 indicates Positive momentum. The RSI at 51.58 is Neutral, neither overbought nor oversold. The STOCH value of 39.96 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | HK$3.79B | 7.74 | 10.90% | 6.40% | 4.43% | 6.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | HK$1.43B | 11.56 | 3.61% | 12.05% | 26.14% | 90.63% | |
54 Neutral | HK$578.64M | -2.90 | -24.06% | ― | 33.07% | -135.86% | |
53 Neutral | HK$593.05M | -0.67 | -19.32% | 20.49% | -32.03% | -235.24% |
* Financial Sector Average
HK:0900
AEON Credit Service (Asia) Co., Ltd.
9.06
2.11
30.36%
HK:0628
Gome Finance Technology Co
0.26
0.03
14.04%
HK:2051
51 Credit Card Inc.
0.35
-0.48
-57.83%
HK:2003
VCREDIT Holdings Limited
1.22
-2.12
-63.47%
HK:3660
Qfin Holdings
26.14
-78.40
-74.99%
HK:6623
Lufax Holding Ltd Class A
4.70
-6.20
-56.88%
AEON Credit Service (Asia) Co., Ltd. Corporate Events
AEON Credit Service (Asia) Delivers Higher Earnings in First Half of 2026
Sep 28, 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...
AEON Credit Service (Asia) Declares HKD 0.28 Interim Dividend for First Half of 2026
Sep 28, 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, w...
AEON Credit Service (Asia) Sets Board Meeting to Approve Interim Results and Dividend
Sep 9, 2026
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 co...
AEON Credit Restores Public Float After FMR LLC Cuts Stake
Aug 20, 2026
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 compa...
AEON Credit Moves to Restore Public Float After Stake Buildup by FMR LLC
Aug 19, 2026
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 substanti...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.