AEON Credit Service (M) Bhd.(MY:5139)
RM4.52+0.01 (+0.22%)
MY:5139
AEON Credit Service (M) Bhd. financials statements
RM4.52
At close:+0.01 (+0.22%)
AEON Credit Service (M) Bhd. (5139) Ratios
AEON Credit Service (M) Bhd. Ratios
MY:5139's free cash flow for Q2 2026 was RM-320.73M. For the 2026 fiscal year, MY:5139's free cash flow was decreased by RM-13.54M and operating cash flow was RM-307.18M. See a summary of the company’s cash flow.
| Ratios | Feb 25 | Feb 24 | Feb 23 | Feb 23 | Feb 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 3.89 | 0.94 | 1.61 | 1.22 | 3.16 |
| Quick Ratio | 3.89 | 0.94 | 1.61 | 1.22 | 3.16 |
| Cash Ratio | 0.11 | 0.02 | 0.14 | 0.03 | 0.45 |
| Solvency Ratio | 0.03 | 0.04 | 0.06 | 0.05 | 0.05 |
| Operating Cash Flow Ratio | -0.13 | -0.19 | -0.04 | -0.20 | 0.89 |
| Short-Term Operating Cash Flow Coverage | -0.13 | -0.23 | -0.05 | -0.23 | 1.68 |
| Net Current Asset Value | RM 2.40B | RM -7.13B | RM -4.75B | RM -5.89B | RM -4.40B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.75 | 0.76 | 0.72 | 0.75 | 0.73 |
| Debt-to-Equity Ratio | 3.91 | 3.83 | 3.19 | 3.58 | 3.38 |
| Debt-to-Capital Ratio | 0.80 | 0.79 | 0.76 | 0.78 | 0.77 |
| Long-Term Debt-to-Capital Ratio | 0.72 | 0.71 | 0.71 | 0.71 | 0.76 |
| Financial Leverage Ratio | 5.25 | 5.07 | 4.40 | 4.78 | 4.61 |
| Debt Service Coverage Ratio | 0.21 | 0.12 | 0.26 | 0.18 | 0.73 |
| Interest Coverage Ratio | 2.28 | 19.71 | 181.01 | 49.45 | 312.80 |
| Debt to Market Cap | 4.04 | 3.64 | 2.61 | 2.87 | 3.94 |
| Interest Debt Per Share | 24.42 | 21.34 | 15.76 | 18.55 | 29.14 |
| Net Debt to EBITDA | 10.60 | 17.22 | 12.53 | 14.47 | 11.56 |
| Profitability Margins | |||||
| Gross Profit Margin | 38.89% | 82.99% | 69.80% | 52.01% | 65.96% |
| EBIT Margin | 38.12% | 25.66% | 33.64% | 27.86% | 34.73% |
| EBITDA Margin | 40.52% | 28.30% | 37.47% | 30.71% | 39.29% |
| Operating Profit Margin | 41.29% | 45.77% | 52.61% | 44.63% | 56.25% |
| Pretax Profit Margin | 20.01% | 23.33% | 33.35% | 26.83% | 34.55% |
| Net Profit Margin | 14.37% | 16.84% | 25.46% | 19.65% | 23.96% |
| Continuous Operations Profit Margin | 14.27% | 16.84% | 25.46% | 20.91% | 23.96% |
| Net Income Per EBT | 71.80% | 72.17% | 76.36% | 73.26% | 69.36% |
| EBT Per EBIT | 48.46% | 50.98% | 63.39% | 60.11% | 61.42% |
| Return on Assets (ROA) | 2.40% | 2.58% | 3.76% | 3.28% | 3.60% |
| Return on Equity (ROE) | 12.60% | 13.09% | 16.54% | 15.70% | 16.60% |
| Return on Capital Employed (ROCE) | 9.15% | 10.42% | 9.89% | 10.14% | 9.51% |
| Return on Invested Capital (ROIC) | 4.91% | 5.32% | 6.23% | 5.83% | 6.17% |
| Return on Tangible Assets | 2.40% | 2.58% | 3.76% | 3.28% | 3.60% |
| Earnings Yield | 13.03% | 12.51% | 13.63% | 12.63% | 19.50% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.59 | 0.54 | 0.51 | 0.59 | 0.51 |
| Payables Turnover | 27.67 | 7.57 | 15.24 | 24.28 | 19.85 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 13.96 | 11.07 | 10.73 | 13.69 | 8.07 |
| Asset Turnover | 0.17 | 0.15 | 0.15 | 0.17 | 0.15 |
| Working Capital Turnover Ratio | 0.48 | 9.69 | 0.85 | 1.92 | 0.74 |
| Cash Conversion Cycle | 606.35 | 633.38 | 687.06 | 601.17 | 693.72 |
| Days of Sales Outstanding | 619.53 | 681.58 | 711.01 | 616.20 | 712.11 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 13.19 | 48.20 | 23.95 | 15.03 | 18.39 |
| Operating Cycle | 619.53 | 681.58 | 711.01 | 616.20 | 712.11 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -1.03 | -1.76 | -0.19 | -1.28 | 3.93 |
| Free Cash Flow Per Share | -1.13 | -1.90 | -0.23 | -1.34 | 3.72 |
| Dividend Paid and CapEx Coverage Ratio | -2.77 | -4.16 | -0.70 | -4.14 | 5.65 |
| Capital Expenditure Coverage Ratio | -10.66 | -12.53 | -5.66 | -20.60 | 18.65 |
| Operating Cash Flow Coverage Ratio | -0.04 | -0.08 | -0.01 | -0.07 | 0.13 |
| Operating Cash Flow to Sales Ratio | -0.20 | -0.41 | -0.06 | -0.31 | 0.66 |
| Free Cash Flow Yield | -19.44% | -32.72% | -3.77% | -20.93% | 50.64% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 7.63 | 7.95 | 7.50 | 7.93 | 5.13 |
| Price-to-Sales (P/S) Ratio | 1.10 | 1.35 | 1.87 | 1.56 | 1.23 |
| Price-to-Book (P/B) Ratio | 0.97 | 1.05 | 1.21 | 1.24 | 0.85 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -5.14 | -3.06 | -26.50 | -4.78 | 1.97 |
| Price-to-Operating Cash Flow Ratio | -5.63 | -3.30 | -31.18 | -5.01 | 1.87 |
| Price-to-Earnings Growth (PEG) Ratio | 1.86 | -0.80 | -0.17 | 6.34 | 0.09 |
| Enterprise Value Multiple | 13.32 | 21.98 | 17.52 | 19.54 | 14.69 |
| Enterprise Value | 14.49B | 13.69B | 10.77B | 12.64B | 8.80B |
| EV to EBITDA | 13.32 | 21.98 | 17.52 | 19.54 | 14.69 |
| EV to Sales | 5.40 | 6.22 | 6.56 | 6.00 | 5.77 |
| EV to Free Cash Flow | -25.17 | -14.13 | -93.15 | -18.43 | 9.27 |
| EV to Operating Cash Flow | -27.53 | -15.25 | -109.60 | -19.32 | 8.78 |
| Tangible Book Value Per Share | 6.04 | 5.55 | 4.94 | 5.16 | 8.62 |
| Shareholders’ Equity Per Share | 6.00 | 5.55 | 4.94 | 5.17 | 8.62 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 0.28 | 0.24 | 0.25 | 0.31 |
| Revenue Per Share | 5.26 | 4.31 | 3.21 | 4.13 | 5.97 |
| Net Income Per Share | 0.76 | 0.73 | 0.82 | 0.81 | 1.43 |
| Tax Burden | 0.72 | 0.72 | 0.76 | 0.73 | 0.69 |
| Interest Burden | 0.52 | 0.91 | 0.99 | 0.96 | 0.99 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | -1.36 | -1.75 | -0.18 | -1.16 | 1.90 |
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