AE3 Stock Overview

Provides various retail finance services in Thailand and internationally. More details

AE3 fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	2/6
Past Performance	4/6
Financial Health	3/6
Dividends	4/6

Rewards

Price-To-Earnings ratio (9.1x) is below the German market (16.2x)

Earnings are forecast to grow 4.92% per year

Earnings grew by 13% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Debt is not well covered by operating cash flow

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

AEON Thana Sinsap (Thailand) Public Company Limited Competitors

Eleving Group

DB:OT8

€187.5m

Grenke

XTRA:GLJ

€739.5m

MLP

XTRA:MLP

€692.9m

Hypoport

XTRA:HYQ

€1.2b

Price History & Performance

Summary of share price highs, lows and changes for AEON Thana Sinsap (Thailand)
Historical stock prices
Current Share Price	฿3.14
52 Week High	฿4.08
52 Week Low	฿2.58
Beta	0.84
1 Month Change	-7.10%
3 Month Change	-16.04%
1 Year Change	-18.65%
3 Year Change	-34.58%
5 Year Change	-40.19%
Change since IPO	108.64%

Recent updates

Shareholder Returns

	AE3	DE Consumer Finance	DE Market
7D	-7.6%	0.7%	1.2%
1Y	-18.7%	13.8%	10.1%

Return vs Industry: AE3 underperformed the German Consumer Finance industry which returned 13.8% over the past year.

Return vs Market: AE3 underperformed the German Market which returned 10.1% over the past year.

Price Volatility

Is AE3's price volatile compared to industry and market?
AE3 volatility
AE3 Average Weekly Movement	4.8%
Consumer Finance Industry Average Movement	4.6%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.5%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: AE3 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: AE3's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1992	n/a	Tsutomu Omodera	www.aeon.co.th

AEON Thana Sinsap (Thailand) Public Company Limited provides various retail finance services in Thailand and internationally. The company operates through Retail Finance Services and Other Business segments. It offers credit card, hire purchase, personal loans, and other services; debt collection and insurance brokerage services; and non-performing asset management services.

AEON Thana Sinsap (Thailand) Public Company Limited Fundamentals Summary

How do AEON Thana Sinsap (Thailand)'s earnings and revenue compare to its market cap?
AE3 fundamental statistics
Market cap	€829.68m
Earnings (TTM)	€90.80m
Revenue (TTM)	€345.50m

9.1x

P/E Ratio

2.4x

P/S Ratio

Is AE3 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AE3 income statement (TTM)
Revenue	฿12.28b
Cost of Revenue	฿6.22b
Gross Profit	฿6.07b
Other Expenses	฿2.84b
Earnings	฿3.23b

Last Reported Earnings

Nov 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	12.91
Gross Margin	49.40%
Net Profit Margin	26.28%
Debt/Equity Ratio	240.4%

How did AE3 perform over the long term?

See historical performance and comparison

Dividends

4.7%

Current Dividend Yield

43%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/10 02:45
End of Day Share Price	2025/01/10 00:00
Earnings	2024/11/30
Annual Earnings	2024/02/29

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

AEON Thana Sinsap (Thailand) Public Company Limited is covered by 19 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Usanee Liurut	Asia Plus Securities Company Limited
Rawisara Suwanumphai	Citigroup Inc
Worawat Saisuphatphol	Credit Suisse