Stock AEONCR AEON CREDIT SERVICE (M)
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Financials AEON Credit Service (M)

Equities

AEONCR

MYL5139OO000

Consumer Lending

End-of-day quote BURSA MALAYSIA
Other stock markets
 06:00:00 2024-04-28 pm EDT 		5-day change 1st Jan Change
7.15 MYR -1.38% Intraday chart for AEON Credit Service (M) +3.32% +28.37%
Apr. 09 Aeon Credit Service's Profit Surges in Fiscal Q4 MT
Apr. 08 AEON Credit Service (M) Berhad Announces Final Single-Tier Dividend for the Financial Year Ended 29 February 2024, Payable on 25 July 2024 CI

Valuation

Fiscal Period: February 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 4,149 3,500 2,992 3,748 3,064 3,651 - -
Enterprise Value (EV) 1 10,486 3,500 10,270 3,748 10,679 3,237 12,924 12,703
P/E ratio 12.4 x 12.8 x 13.4 x 10.5 x 7.52 x 7.82 x 8.56 x 7.94 x
Yield 2.7% 2.63% 2.49% 3.3% 4.13% 4.54% 4.17% 4.3%
Capitalization / Revenue 3.04 x 2.19 x 1.92 x 2.46 x 1.87 x 1.69 x 1.92 x 1.73 x
EV / Revenue 3.04 x 2.19 x 1.92 x 2.46 x 1.87 x 1.69 x 1.92 x 1.73 x
EV / EBITDA 5.45 x 4.48 x 3.97 x - 3.31 x 3.24 x 4.92 x 4.74 x
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.21 x 1.99 x 1.77 x 1.87 x 1.32 x 1.38 x 1.26 x 1.14 x
Nbr of stocks (in thousands) 501,680 507,210 510,615 510,615 510,615 510,615 - -
Reference price 2 8.270 6.900 5.860 7.340 6.000 7.150 7.150 7.150
Announcement Date 4/25/19 4/9/20 4/8/21 4/5/22 4/11/23 4/8/24 - -
1MYR in Million2MYR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: February 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,366 1,599 1,562 1,525 1,640 1,912 1,900 2,111
EBITDA 1 761.2 780.6 753.9 - 925.8 1,000 742.8 770.4
EBIT 1 725.1 715.7 682.8 857.7 862.9 940.3 1,080 1,164
Operating Margin 53.09% 44.76% 43.72% 56.25% 52.61% 49.17% 56.86% 55.14%
Earnings before Tax (EBT) 1 472.2 390.4 324.9 526.8 547 565.2 576 617.8
Net income 1 354.6 292 223.8 365.4 417.7 424 426.8 458.8
Net margin 25.96% 18.27% 14.33% 23.96% 25.46% 22.17% 22.46% 21.74%
EPS 2 0.6678 0.5374 0.4384 0.6958 0.7981 0.8108 0.8358 0.9002
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.2230 0.1812 0.1460 0.2425 0.2475 0.3247 0.2980 0.3074
Announcement Date 4/25/19 4/9/20 4/8/21 4/5/22 4/11/23 4/8/24 - -
1MYR in Million2MYR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: February 2022 Q3 2023 Q2 2024 Q2 2024 S1 2024 Q4
Net sales - - - - -
EBITDA - - - - -
EBIT 1 - - 246 462.7 47.1
Operating Margin - - - - -
Earnings before Tax (EBT) - - - - -
Net income 103.5 75.65 120.2 - -
Net margin - - - - -
EPS 0.2026 0.1383 0.2255 - -
Dividend per Share - - - - -
Announcement Date 12/23/21 9/29/22 9/26/23 9/26/23 -
1MYR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: February 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 6,338 - 7,277 - 7,616 - 9,273 9,052
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) 8.325 x - 9.653 x - 8.226 x - 12.48 x 11.75 x
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 22.1% 16.1% 13.8% 23.9% 19.3% 15.9% 15.5% 15.2%
ROA (Net income/ Total Assets) 4.33% 3.06% 2.17% 4.34% 3.76% 3.45% 3.26% 3.14%
Assets 1 8,190 9,545 10,333 8,421 11,117 11,465 13,107 14,620
Book Value Per Share 2 3.740 3.460 3.320 3.920 4.550 5.200 5.670 6.270
Cash Flow per Share -1.450 - 2.270 - - - - -
Capex 1 62.9 68.3 48.2 53.8 17.4 58 37 35
Capex / Sales 4.61% 4.27% 3.09% 3.53% 1.06% 3.4% 1.95% 1.66%
Announcement Date 4/25/19 4/9/20 4/8/21 4/5/22 4/11/23 4/8/24 - -
1MYR in Million2MYR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for AEON Credit Service (M)

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
5
Last Close Price
7.15 MYR
Average target price
8.288 MYR
Spread / Average Target
+15.92%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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