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0900 Stock Chart & Stats
HK$7.24
HK$0.03(0.52%)
At close: 4:00 PM EST
HK$7.24
HK$0.03(0.52%)
Day’s Range― - ―
52-Week RangeHK$6.90 - HK$8.80
Previous CloseN/A
Volume2.00K
Average Volume (3M)120.80K
Market Cap
HK$3.55B
Enterprise ValueHK$6.72B
Total Cash (Recent Filing)HK$224.31M
Total Debt (Recent Filing)HK$3.32B
Price to Earnings (P/E)7.2
Beta0.32
Next Earnings
Sep 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.92%
Share Statistics
EPS (TTM)1.18
Shares Outstanding418,765,600
10 Day Avg. Volume236,350
30 Day Avg. Volume120,799
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
Bulls Say, Bears Say
Bulls Say
High And Sustainable MarginsConsistently high TTM net margins (~25%) indicate durable pricing power in consumer finance and effective underwriting. For a card-focused lender this level of operating profitability supports reinvestment in growth, funds capital needs, and provides a buffer versus cyclical credit losses over the next several months.
Improving Revenue MomentumRevenue momentum improved meaningfully on a TTM basis (+8.7%), signaling recovering card usage and loan balances. Sustained top-line growth supports scale benefits in fee and interest income, and underpins medium-term earnings stability if consumer spending and card revolvers remain stable.
Growing Equity Base With Steady ROEShareholders’ equity expansion alongside a steady ROE (~10%) shows the business converting profit into retained capital successfully. That steady return on capital and growing equity provide resilience to absorb loan shocks and support measured lending growth without immediate recapitalization needs.
Bears Say
Very Weak Cash ConversionOperating cash flow converts only a tiny fraction of earnings (~0.04), and free cash flow plunged TTM (~-44%), reflecting volatile collections or working capital swings. This undermines earnings quality, raises reliance on external funding, and constrains the company's ability to consistently self-fund dividends or growth.
Rising Leverage Over TimeLeverage has increased materially since 2022 (roughly 0.31 to ~0.77), raising sensitivity to funding cost moves and credit-cycle shocks. Higher debt levels reduce financial flexibility, amplify earnings volatility from impairment swings, and increase the risk that rising market funding costs will compress margins.
Revenue And Margin VolatilityThe company has shown uneven results, including a large revenue decline (~-24% in 2025) and margin swings, indicating cyclicality in loan volumes, charge-offs or seasonal spending. Such volatility complicates forward planning, provisioning and capital allocation, making medium-term earnings less predictable.
AEON Credit Service (Asia) Co., Ltd. News
0900 FAQ
What was AEON Credit Service (Asia) Co., Ltd.’s price range in the past 12 months?
AEON Credit Service (Asia) Co., Ltd. lowest stock price was HK$6.90 and its highest was HK$8.80 in the past 12 months.
What is AEON Credit Service (Asia) Co., Ltd.’s market cap?
AEON Credit Service (Asia) Co., Ltd.’s market cap is HK$3.55B.
When is AEON Credit Service (Asia) Co., Ltd.’s upcoming earnings report date?
AEON Credit Service (Asia) Co., Ltd.’s upcoming earnings report date is Sep 24, 2026 which is in 85 days.
How were AEON Credit Service (Asia) Co., Ltd.’s earnings last quarter?
AEON Credit Service (Asia) Co., Ltd. released its earnings results on Jun 25, 2026. The company reported HK$0.325 earnings per share for the quarter, beating the consensus estimate of N/A by HK$0.325.
Is AEON Credit Service (Asia) Co., Ltd. overvalued?
According to Wall Street analysts AEON Credit Service (Asia) Co., Ltd.’s price is currently Overvalued.
Does AEON Credit Service (Asia) Co., Ltd. pay dividends?
AEON Credit Service (Asia) Co., Ltd. pays a Quarterly dividend of HK$0.33 which represents an annual dividend yield of 6.92%. See more information on AEON Credit Service (Asia) Co., Ltd. dividends here
What is AEON Credit Service (Asia) Co., Ltd.’s EPS estimate?
AEON Credit Service (Asia) Co., Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does AEON Credit Service (Asia) Co., Ltd. have?
AEON Credit Service (Asia) Co., Ltd. has 418,765,600 shares outstanding.
What happened to AEON Credit Service (Asia) Co., Ltd.’s price movement after its last earnings report?
AEON Credit Service (Asia) Co., Ltd. reported an EPS of HK$0.325 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.244%.
Which hedge fund is a major shareholder of AEON Credit Service (Asia) Co., Ltd.?
Currently, no hedge funds are holding shares in HK:0900
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
AEON Credit Service (Asia) Co., Ltd. Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
34.70%
12-Months-Change
Fundamentals
Return on Equity
10.64%
Trailing 12-Months
Asset Growth
5.90%
Trailing 12-Months
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.
Technical Analysis
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Options Prices
Currently, No data available
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