AEONCR Stock Overview
AEON Credit Service (M) Berhad engages in the consumer finance business in Malaysia.
Price History & Performance
|Historical stock prices|
|Current Share Price||RM13.82|
|52 Week High||RM15.26|
|52 Week Low||RM10.46|
|1 Month Change||-1.14%|
|3 Month Change||16.92%|
|1 Year Change||25.64%|
|3 Year Change||-9.08%|
|5 Year Change||51.31%|
|Change since IPO||644.79%|
Recent News & Updates
AEON Credit Service (M) Berhad (KLSE:AEONCR) Is Increasing Its Dividend To RM0.28
The board of AEON Credit Service (M) Berhad ( KLSE:AEONCR ) has announced that it will be increasing its dividend by...
|AEONCR||MY Consumer Finance||MY Market|
Return vs Industry: AEONCR underperformed the MY Consumer Finance industry which returned 31.1% over the past year.
Return vs Market: AEONCR exceeded the MY Market which returned -1.7% over the past year.
|AEONCR Average Weekly Movement||3.7%|
|Consumer Finance Industry Average Movement||5.0%|
|Market Average Movement||5.6%|
|10% most volatile stocks in MY Market||12.1%|
|10% least volatile stocks in MY Market||2.6%|
Stable Share Price: AEONCR is less volatile than 75% of MY stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: AEONCR's weekly volatility (4%) has been stable over the past year.
About the Company
AEON Credit Service (M) Berhad engages in the consumer finance business in Malaysia. It provides easy payment schemes and personal financing schemes based on Islamic principles; and issues payment cards under the Visa and MasterCard brand names. The company also offers prepaid cards and AEON Wallet products, such as AEON Member Plus Visa Card, AEON Member Plus Card (XPRESS+), and AEON Prepaid MasterCard, as well as credit cards.
AEON Credit Service (M) Berhad Fundamentals Summary
|AEONCR fundamental statistics|
Is AEONCR overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|AEONCR income statement (TTM)|
|Cost of Revenue||RM495.77m|
Last Reported Earnings
Aug 31, 2021
Next Earnings Date
|Earnings per share (EPS)||1.51|
|Net Profit Margin||35.00%|
How did AEONCR perform over the long term?See historical performance and comparison
3.5%Current Dividend Yield
Is AEON Credit Service (M) Berhad undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: AEONCR (MYR13.82) is trading above our estimate of fair value (MYR10.98)
Significantly Below Fair Value: AEONCR is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: AEONCR is good value based on its PE Ratio (9.2x) compared to the Asian Consumer Finance industry average (15x).
PE vs Market: AEONCR is good value based on its PE Ratio (9.2x) compared to the MY market (15.5x).
Price to Earnings Growth Ratio
PEG Ratio: AEONCR is poor value based on its PEG Ratio (1.6x)
Price to Book Ratio
PB vs Industry: AEONCR is overvalued based on its PB Ratio (1.7x) compared to the XA Consumer Finance industry average (0.9x).
How is AEON Credit Service (M) Berhad forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AEONCR's forecast earnings growth (5.8% per year) is above the savings rate (3.6%).
Earnings vs Market: AEONCR's earnings (5.8% per year) are forecast to grow slower than the MY market (11.2% per year).
High Growth Earnings: AEONCR's earnings are forecast to grow, but not significantly.
Revenue vs Market: AEONCR's revenue (11.3% per year) is forecast to grow faster than the MY market (6.9% per year).
High Growth Revenue: AEONCR's revenue (11.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AEONCR's Return on Equity is forecast to be low in 3 years time (16.1%).
How has AEON Credit Service (M) Berhad performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AEONCR has high quality earnings.
Growing Profit Margin: AEONCR's current net profit margins (35%) are higher than last year (20.1%).
Past Earnings Growth Analysis
Earnings Trend: AEONCR's earnings have grown by 2% per year over the past 5 years.
Accelerating Growth: AEONCR's earnings growth over the past year (72.3%) exceeds its 5-year average (2% per year).
Earnings vs Industry: AEONCR earnings growth over the past year (72.3%) exceeded the Consumer Finance industry 15.9%.
Return on Equity
High ROE: AEONCR's Return on Equity (18.8%) is considered low.
How is AEON Credit Service (M) Berhad's financial position?
Financial Position Analysis
Short Term Liabilities: AEONCR's short term assets (MYR10.0B) exceed its short term liabilities (MYR1.6B).
Long Term Liabilities: AEONCR's short term assets (MYR10.0B) exceed its long term liabilities (MYR6.8B).
Debt to Equity History and Analysis
Debt Level: AEONCR's net debt to equity ratio (381%) is considered high.
Reducing Debt: AEONCR's debt to equity ratio has reduced from 463.2% to 383.7% over the past 5 years.
Debt Coverage: AEONCR's debt is not well covered by operating cash flow (17.9%).
Interest Coverage: Insufficient data to determine if AEONCR's interest payments on its debt are well covered by EBIT.
What is AEON Credit Service (M) Berhad current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AEONCR's dividend (3.51%) is higher than the bottom 25% of dividend payers in the MY market (1.63%).
High Dividend: AEONCR's dividend (3.51%) is low compared to the top 25% of dividend payers in the MY market (4.34%).
Stability and Growth of Payments
Stable Dividend: AEONCR's dividend payments have been volatile in the past 10 years.
Growing Dividend: AEONCR's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (32.2%), AEONCR's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: AEONCR's dividends in 3 years are forecast to be well covered by earnings (34.1% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Daisuke Maeda (45 yo)
Mr. Daisuke Maeda serves as Managing Director and Executive Director at AEON Credit Service (M) Berhad since June 23, 2021. He served as Vice President of Marketing Department of AEON Thana Sinsap Thailand...
Experienced Management: AEONCR's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
Experienced Board: AEONCR's board of directors are considered experienced (3.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
AEON Credit Service (M) Berhad's employee growth, exchange listings and data sources
- Name: AEON Credit Service (M) Berhad
- Ticker: AEONCR
- Exchange: KLSE
- Founded: 1996
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: RM3.528b
- Shares outstanding: 255.31m
- Website: https://www.aeoncredit.com.my
Number of Employees
- AEON Credit Service (M) Berhad
- UOA Corporate Tower Avenue 10
- Level 18
- Kuala Lumpur
- Wilayah Persekutuan
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/11/26 16:03|
|End of Day Share Price||2021/11/26 00:00|
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.