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Aeon Credit Service Bhd

Aeon Credit Service Bhd

5139 · KLSE · Financial Services / Credit Services

4.54MYR+0.09 (+2.02%)

Price History

Full chart

Market Stats

Previous Close4.45
Open4.45
Day Range4.44 – 4.61
52-Week Range4.85 – 5.96
Volume147.10K
Market Cap2.48B
P/E (TTM)6.39
Forward P/E44.84
EPS0.76
Dividend Yield5.35%
Beta0.30
50-Day Avg5.53
200-Day Avg5.71

About

AEON Credit Service (M) Berhad provides consumer financial services in Malaysia. It offers easy payment and personal financing schemes based on Islamic principles; and issues payment cards under the Visa and MasterCard brand names. The company also provides credit and prepaid cards; AEON Wallet app; hire purchase financing for motor vehicles; insurance brokerage; motorcycle, auto, SME, and objective financing; Islamic digital banking; and other related services. It operates through various branches and service centers. The company was incorporated in 1996 and is headquartered in Kuala Lumpur, Malaysia. AEON Credit Service (M) Berhad is a subsidiary of AEON Financial Service Co., Ltd.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Daisuke Maeda
  • Employees3.86K
  • HeadquartersUOA Corporate Tower Avenue 10, Kuala Lumpur, Malaysia, 59200, Malaysia
  • Websitehttps://www.aeoncredit.com.my

Leadership

  • Mr. Daisuke MaedaMD, CEO & Executive Director · b. 1977
  • Ms. Tyan Jen LeeDeputy CEO & Chief Business Synergy Officer · b. 1974
  • Ms. Siew Tee LeeChief Financial Officer · b. 1971
  • Mr. Yasusuke BabaChief Information Officer
  • Mr. Kit Seong Lee A.C.A.Chief Corporate Officer · b. 1969
  • Mr. Chee Chong Phang CFE, CIA, CISA, CRISC, CRMAHead of Internal Audit Group & GM · b. 1967
  • Mr. Faizul Bin HamzahChief Risk Officer · b. 1977
  • Ms. Naomi MikuniDeputy CEO, Chief Governance & Transformation Officer · b. 1971
  • Mr. Koon San TanManaging Director of AEON Insurance Brokers (M) Sdn. Bhd · b. 1971
  • Mr. Ajith JayaramChief Integrity Officer

Financials

Income Statement

Currency: MYR2006-02-282007-02-282008-02-292009-02-282010-02-282011-02-282012-02-292013-02-282014-02-282015-02-282016-02-292017-02-282018-02-282019-02-282020-02-292021-02-282022-02-282023-02-282024-02-292025-02-282026-02-28
Total Revenue69.12M116.04M151.80M186.92M248.41M269.61M344.27M467.13M672.76M871.60M965.23M1.10B1.24B1.37B1.60B1.56B1.52B1.64B2.11B2.20B2.69B
Growth (%)-+67.89%+30.81%+23.14%+32.90%+8.54%+27.69%+35.69%+44.02%+29.56%+10.74%+14.16%+12.08%+10.58%+17.05%-2.32%-2.36%+7.57%+28.45%+4.46%+22.05%
Cost of Revenue--23.18M26.39M30.67M32.61M101.97M136.74M201.10M264.26M295.66M358.22M419.56M434.59M502.71M508.27M519.03M495.41M1.01B374.30M1.64B
Gross Profit69.12M116.04M-23.18M-26.39M-30.67M-32.61M242.30M330.39M471.66M607.34M669.57M743.73M815.56M931.25M1.10B1.05B1.01B1.14B1.10B1.83B1.04B
Gross Margin100.00%100.00%-15.27%-14.12%-12.35%-12.09%70.38%70.73%70.11%69.68%69.37%67.49%66.03%68.18%68.56%67.45%65.96%69.80%52.01%82.99%38.89%
Operating Expense41.09M70.48M-68.92M-92.32M-102.89M-117.63M71.61M87.61M140.60M180.78M204.75M192.52M189.91M206.18M380.40M370.61M148.14M281.94M155.51M819.17M-64.56M
Operating Income28.03M45.57M45.75M65.93M72.23M85.02M170.69M242.78M331.06M426.56M464.82M551.21M625.65M725.07M715.66M682.78M857.71M862.90M940.29M1.01B1.11B
Operating Margin40.56%39.27%30.14%35.27%29.08%31.54%49.58%51.97%49.21%48.94%48.16%50.02%50.65%53.09%44.76%43.72%56.25%52.61%44.63%45.77%41.29%
EBITDA32.35M54.61M78.89M102.54M113.99M127.57M144.34M202.76M267.30M318.26M331.61M380.86M430.23M515.78M487.80M411.95M599.06M614.63M646.99M622.87M1.09B
EBITDA Margin46.80%47.06%51.97%54.86%45.89%47.32%41.93%43.41%39.73%36.51%34.36%34.56%34.83%37.76%30.51%26.38%39.29%37.47%30.71%28.30%40.52%
Net Income13.51M19.70M33.39M48.76M54.27M63.43M95.61M134.13M175.35M215.73M228.22M265.03M300.06M354.62M292.05M233.96M365.42M417.69M414.02M370.61M385.88M
Net Income Margin19.54%16.98%22.00%26.08%21.85%23.53%27.77%28.71%26.06%24.75%23.64%24.05%24.29%25.96%18.27%14.98%23.96%25.46%19.65%16.84%14.37%
R&D-----------0.290.290.310.220.190.310.30.28--
R&D as % of Total Revenue-----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense8.74M18.02M23.18M26.39M30.67M32.61M7.07M8.27M16.15M9.91M10.52M6.81M6.68M7.43M32.42M15.95M2.74M4.77M19.02M51.11M486.43M
Interest Expense % of Total Revenue12.65%15.53%15.27%14.12%12.35%12.09%2.05%1.77%2.40%1.14%1.09%0.62%0.54%0.54%2.03%1.02%0.18%0.29%0.90%2.32%18.11%

Balance Sheet

Currency: MYR2006-02-282007-02-282008-02-292009-02-282010-02-282011-02-282012-02-292013-02-282014-02-282015-02-282016-02-292017-02-282018-02-282019-02-282020-02-292021-02-282022-02-282023-02-282024-02-292025-02-282026-02-28
Total Assets337.68M571.49M731.34M910.12M1.01B1.18B1.56B2.44B3.77B4.92B6.10B7.28B7.71B8.66B10.43B10.23B10.14B11.12B12.62B14.34B16.07B
Total Liabilities274.89M467.32M549.77M694.28M759.73M893.27M1.22B2.01B3.12B3.97B5.04B6.05B5.85B6.78B8.68B8.34B7.94B8.59B9.98B11.51B12.99B
Total Equity62.78M104.17M181.58M215.84M250.46M282.22M341.23M429.21M645.56M955.71M1.06B1.23B1.86B1.87B1.76B1.89B2.20B2.52B2.64B2.83B3.06B
Cash778.00K2.07M2.40M2.46M3.16M5.65M4.42M6.40M12.57M48.67M67.25M73.67M83.68M77.72M110.79M405.95M508.96M341.79M91.78M116.50M450.91M
Total Debt248.10M422.79M499.59M634.81M706.67M833.04M1.11B1.86B2.95B3.82B4.91B5.87B5.56B6.43B8.27B7.72B7.44B8.05B9.45B10.84B11.98B
Net Debt247.32M420.71M497.19M632.35M703.51M827.39M1.10B1.86B2.94B3.77B4.84B5.80B5.48B6.36B8.16B7.31B6.93B7.70B9.36B10.73B11.53B

Cash Flow

Currency: MYR2006-02-282007-02-282008-02-292009-02-282010-02-282011-02-282012-02-292013-02-282014-02-282015-02-282016-02-292017-02-282018-02-282019-02-282020-02-292021-02-282022-02-282023-02-282024-02-292025-02-282026-02-28
Operating Cash Flow-102.53M-180.77M-112.31M-106.62M-43.31M-86.94M-246.77M-679.92M-1.03B-734.81M-689.33M-726.28M-166.88M-748.04M-910.89M1.16B1.00B-98.24M-654.21M-897.32M-526.42M
Investing Cash Flow-17.26M-14.30M-8.18M-14.05M-8.20M-11.97M-11.23M-30.99M-22.84M-30.45M-31.49M-33.04M-53.12M-64.44M-65.82M-43.20M-40.86M-8.77M-197.18M-166.98M-149.78M
Financing Cash Flow120.08M196.53M120.60M120.95M51.88M100.74M256.86M711.56M1.00B786.31M760.83M774.75M215.07M852.16M984.77M-775.44M-899.55M-19.43M601.22M1.03B952.34M
Capital Expenditure16.23M14.30M8.21M13.51M8.32M12.03M12.54M27.02M22.84M17.76M26.71M33.04M56.06M62.94M68.26M48.21M53.76M17.35M31.76M71.62M49.37M
Free Cash Flow-118.76M-195.07M-120.52M-120.13M-51.63M-98.97M-259.30M-706.95M-1.06B-752.57M-716.04M-759.32M-222.94M-810.98M-979.14M1.11B948.93M-115.59M-685.97M-968.95M-575.80M
Dividends Paid224.00K4.32M291.13M189.81M19.66M21.15M29.34M43.20M60.19M74.02M85.61M86.54M99.03M105.72M112.50M59.00M123.83M123.83M126.38M144.25M140.42M
FCF to OCF115.83%107.91%107.31%112.67%119.22%113.83%105.08%103.97%102.21%102.42%103.87%104.55%133.59%108.41%107.49%95.84%94.64%117.66%104.85%107.98%109.38%
Dividend Paid to FCF-0.19%-2.21%-241.56%-158.00%-38.07%-21.37%-11.31%-6.11%-5.69%-9.84%-11.96%-11.40%-44.42%-13.04%-11.49%5.32%13.05%-107.12%-18.42%-14.89%-24.39%

Earnings

Report DateJul 29, 2009Oct 28, 2009Feb 3, 2010Jul 28, 2010Nov 3, 2010Feb 2, 2011Apr 27, 2011Aug 3, 2011Nov 2, 2011Feb 1, 2012May 2, 2012Aug 1, 2012Oct 31, 2012Jan 30, 2013May 1, 2013Jul 31, 2013Oct 30, 2013Jan 29, 2014Apr 30, 2014Jul 30, 2014Oct 29, 2014Jan 28, 2015Apr 29, 2015Jul 29, 2015Oct 28, 2015Feb 3, 2016Apr 21, 2016Aug 3, 2016Oct 4, 2016Feb 1, 2017Apr 25, 2017Jul 3, 2017Oct 5, 2017Dec 20, 2017Apr 27, 2018Jun 28, 2018Oct 3, 2018Dec 20, 2018Apr 18, 2019Jun 27, 2019Oct 3, 2019Dec 19, 2019Apr 22, 2020Jun 25, 2020Sep 29, 2020Dec 17, 2020Apr 8, 2021Aug 27, 2021Sep 28, 2021Dec 23, 2021Apr 5, 2022Jul 4, 2022Sep 29, 2022Dec 21, 2022Apr 11, 2023Jul 10, 2023Sep 26, 2023Dec 21, 2023Apr 8, 2024Jul 10, 2024Sep 26, 2024Dec 19, 2024Apr 8, 2025Jul 8, 2025Sep 24, 2025Dec 17, 2025Apr 7, 2026Jul 9, 2026Sep 29, 2026
EPS Estimate-------------------------------------------------------------0.120.25--0.180.180.170.19
EPS Actual0.030.030.030.030.030.040.040.040.050.060.060.070.070.080.100.100.100.100.110.130.110.110.140.130.100.120.150.140.120.150.180.170.180.130.160.190.150.160.170.160.080.140.160.050.090.080.210.640.140.200.040.640.280.330.350.390.230.170.220.210.140.120.260.150.140.180.280.190.12
Surprise-------------------------------------------------------------0.33%2.19%--0.00%55.56%11.76%-36.84%
Timing-----------------------------------------------Pre-market---Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap2.48B
Enterprise Value14.60B
Trailing P/E6.39
Forward P/E44.84
Price / Sales1.22
Price / Book0.86
EPS0.76
Book Value6.18
Revenue (TTM)2.03B
Gross Profit (TTM)761.62M
Profit Margin19.25%
Operating Margin20.05%
Return on Equity12.75%
Return on Assets2.42%
Shares Outstanding510.62M
Shares Float163.36M
Beta0.30
Dividend Yield5.35%
Dividend Rate0.26
Payout Ratio37.35%

Dividends

20262×
0.13Oct 15, 20260.02Jul 1, 2026
20252×
0.13Oct 16, 20250.14Jul 2, 2025
20242×
0.14Oct 11, 20240.14Jul 4, 2024
20232×
0.14Oct 12, 20230.10Jul 4, 2023
20222×
0.14Oct 14, 20220.07Jul 6, 2022
20212×
0.14Oct 13, 20210.10Jun 30, 2021
20202×
0.05Oct 14, 20200.07Jul 1, 2020
20192×
0.11Oct 17, 20190.11Jul 3, 2019
20182×
0.11Oct 16, 20180.10Jun 27, 2018
20172×
0.11Oct 17, 20170.11Jun 23, 2017
20162×
0.10Oct 18, 20160.10Jun 24, 2016
20152×
0.10Oct 20, 20150.10Jun 29, 2015

Stock Splits

  • Nov 17, 20232:1
  • Jul 14, 2017479156:319437
  • Sep 11, 20126:5