AEON Credit Service (Asia) Company Limited logo

AEON Credit Service (Asia) Company Limited

0900.HK

HKSEFinancial ServicesFinancial - Credit Services

Latest quote

HK$8.97

+HK$0.03 · +0.34%

Aug 24, 10:47 AM HKT

0900.HK company overview

Regular session · HKT · Market data may be delayed.

Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
HK
CEO
Aiguo Wei
Listed since
Sep 14, 1995
Employees
607

Market position

Volume
54K
0.47× average
Average volume
115.54K
Average daily volume
Market cap
3.76B HKD
Beta
0.15
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
6.48B HKD
P/E (TTM)
7.61×
P/B (TTM)
0.81×
P/S (TTM)
1.88×
EV / EBITDA
8.33×
Earnings yield
14.33%
Free cash flow yield
2.01%
Dividend yield
6.46%

Profitability & efficiency

Gross margin
84.54%
Operating margin
31.43%
Net margin
24.69%
Return on equity
10.44%
Return on assets
5.59%
Return on invested capital
6.66%

Financial health

Debt / equity
0.72×
Current ratio
3.2×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%77%47%17%Gross margin, FY2021: 91.09%Gross margin, FY2022: 93.42%Gross margin, FY2023: 94.73%Gross margin, FY2024: 100.00%Gross margin, FY2025: 88.26%Operating margin, FY2021: 40.08%Operating margin, FY2022: 36.50%Operating margin, FY2023: 50.96%Operating margin, FY2024: 71.61%Operating margin, FY2025: 36.35%Net margin, FY2021: 31.95%Net margin, FY2022: 30.20%Net margin, FY2023: 24.10%Net margin, FY2024: 32.54%Net margin, FY2025: 25.39%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.09%. Gross margin FY2022 93.42%. Gross margin FY2023 94.73%. Gross margin FY2024 100.00%. Gross margin FY2025 88.26%. Operating margin FY2021 40.08%. Operating margin FY2022 36.50%. Operating margin FY2023 50.96%. Operating margin FY2024 71.61%. Operating margin FY2025 36.35%. Net margin FY2021 31.95%. Net margin FY2022 30.20%. Net margin FY2023 24.10%. Net margin FY2024 32.54%. Net margin FY2025 25.39%.

Income trends

Revenue

1.84B HKD+49.84%

Operating income

670.22M HKD-23.94%

Net income

468.2M HKD+16.91%
Income trends across reported periods1.99B HKD1.39B HKD792.99M HKD192.46M HKDRevenue, FY2021: 1.07B HKDRevenue, FY2022: 1.24B HKDRevenue, FY2023: 1.63B HKDRevenue, FY2024: 1.23B HKDRevenue, FY2025: 1.84B HKDOperating income, FY2021: 429.8M HKDOperating income, FY2022: 451.54M HKDOperating income, FY2023: 829.44M HKDOperating income, FY2024: 881.2M HKDOperating income, FY2025: 670.22M HKDNet income, FY2021: 342.59M HKDNet income, FY2022: 373.61M HKDNet income, FY2023: 392.27M HKDNet income, FY2024: 400.48M HKDNet income, FY2025: 468.2M HKDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.07B HKD. Revenue FY2022 1.24B HKD. Revenue FY2023 1.63B HKD. Revenue FY2024 1.23B HKD. Revenue FY2025 1.84B HKD. Operating income FY2021 429.8M HKD. Operating income FY2022 451.54M HKD. Operating income FY2023 829.44M HKD. Operating income FY2024 881.2M HKD. Operating income FY2025 670.22M HKD. Net income FY2021 342.59M HKD. Net income FY2022 373.61M HKD. Net income FY2023 392.27M HKD. Net income FY2024 400.48M HKD. Net income FY2025 468.2M HKD.
Metric (HKD)FY2025FY2024FY2023FY2022FY2021
Revenue1.84B HKD1.23B HKD1.63B HKD1.24B HKD1.07B HKD
Cost of goods sold216.5M HKD105.81M HKD85.86M HKD81.39M HKD95.52M HKD
Gross profit1.63B HKD1.23B HKD1.54B HKD1.16B HKD976.8M HKD
Selling, general, and administrative334.12M HKD339.75M HKD319.53M HKD298.04M HKD265.34M HKD
Operating expenses957.19M HKD349.38M HKD1.07B HKD515.54M HKD622.7M HKD
Interest income1.53B HKD1.48B HKD1.37B HKD1.03B HKD879.27M HKD
Interest expense109.87M HKD129.79M HKD108.46M HKD44.13M HKD31.83M HKD
Depreciation and amortization105.8M HKD105.81M HKD100.45M HKD82.84M HKD84.11M HKD
Operating income670.22M HKD881.2M HKD829.44M HKD451.54M HKD429.8M HKD
Net income468.2M HKD400.48M HKD392.27M HKD373.61M HKD342.59M HKD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.32

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.360.30.240.18Q3 '24Q4 '24Q2 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
Q3 2024, reported Sep 26, 2024: actual 0.208, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Dec 19, 2024: actual 0.251, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 3, 2025: actual 0.299, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Jun 24, 2025: actual 0.261, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 31, 2025: actual 0.297, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 30, 2025: actual 0.284, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 31, 2026: actual 0.28, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Jun 24, 2026: actual 0.325, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates629.96M517.48M405.01M292.54MQ3 '24Q4 '24Q2 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
Q3 2024, reported Sep 26, 2024: actual 450.98M HKD, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Dec 19, 2024: actual 316.77M HKD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 3, 2025: actual 332.27M HKD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Jun 24, 2025: actual 317.06M HKD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 31, 2025: actual 457.19M HKD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 30, 2025: actual 463.93M HKD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 31, 2026: actual 605.73M HKD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Jun 24, 2026: actual 476.18M HKD, estimate —, surprise —, Comparison unavailable.

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