AEON Credit Service (M) Berhad Future Growth

Future criteria checks 3/6

AEON Credit Service (M) Berhad is forecast to grow earnings and revenue by 12% and 11.8% per annum respectively. EPS is expected to grow by 12% per annum. Return on equity is forecast to be 15.3% in 3 years.

Key information

12.0%

Earnings growth rate

12.0%

EPS growth rate

Consumer Finance earnings growth	19.8%
Revenue growth rate	11.8%
Future return on equity	15.3%
Analyst coverage	Low
Last updated	05 Nov 2024

Recent future growth updates

Results: AEON Credit Service (M) Berhad Beat Earnings Expectations And Analysts Now Have New Forecasts

Apr 07

Recent updates

AEON Credit Service (M) Berhad (KLSE:AEONCR) Has Announced A Dividend Of MYR0.14

Jun 27

This Is The Reason Why We Think AEON Credit Service (M) Berhad's (KLSE:AEONCR) CEO Deserves A Bump Up To Their Compensation

Jun 14

If EPS Growth Is Important To You, AEON Credit Service (M) Berhad (KLSE:AEONCR) Presents An Opportunity

Apr 05

AEON Credit Service (M) Berhad (KLSE:AEONCR) Is Paying Out A Larger Dividend Than Last Year

Jun 22

AEON Credit Service (M) Berhad (KLSE:AEONCR) Will Pay A Dividend Of MYR0.21

May 23

AEON Credit Service (M) Berhad (KLSE:AEONCR) Will Pay A Dividend Of MYR0.285

Oct 02

Results: AEON Credit Service (M) Berhad Beat Earnings Expectations And Analysts Now Have New Forecasts

Apr 07

AEON Credit Service (M) Berhad (KLSE:AEONCR) Is Increasing Its Dividend To RM0.28

Sep 30

What To Know Before Buying AEON Credit Service (M) Berhad (KLSE:AEONCR) For Its Dividend

Mar 29

AEON Credit Service (M) Berhad (KLSE:AEONCR) Has Compensated Shareholders With A Respectable 75% Return On Their Investment

Mar 01

Could The AEON Credit Service (M) Berhad (KLSE:AEONCR) Ownership Structure Tell Us Something Useful?

Feb 02

What To Know Before Buying AEON Credit Service (M) Berhad (KLSE:AEONCR) For Its Dividend

Dec 27

How Much Did AEON Credit Service (M) Berhad's(KLSE:AEONCR) Shareholders Earn From Share Price Movements Over The Last Year?

Nov 30

Earnings and Revenue Growth Forecasts

KLSE:AEONCR - Analysts future estimates and past financials data (MYR Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
2/28/2027	2,360	506	N/A	N/A	2
2/28/2026	2,111	452	N/A	N/A	2
2/28/2025	1,900	397	N/A	N/A	2
8/31/2024	1,749	377	-850	-806	N/A
5/31/2024	1,697	421	-698	-659	N/A
2/29/2024	1,644	414	-686	-654	N/A
11/30/2023	1,470	390	-603	-573	N/A
8/31/2023	1,413	388	-475	-448	N/A
5/31/2023	1,348	344	-423	-402	N/A
2/28/2023	1,293	408	-116	-98	N/A
11/30/2022	1,342	336	-105	-77	N/A
8/31/2022	1,298	355	195	227	N/A
5/31/2022	1,267	355	907	946	N/A
2/28/2022	1,280	355	949	1,003	N/A
11/30/2021	1,081	446	1,292	1,341	N/A
8/31/2021	1,098	384	1,384	1,435	N/A
5/31/2021	1,080	361	1,243	1,300	N/A
2/28/2021	1,052	224	1,110	1,158	N/A
11/30/2020	1,103	195	621	677	N/A
8/31/2020	1,111	223	58	128	N/A
5/31/2020	1,164	217	-654	-588	N/A
2/29/2020	1,170	274	-979	-911	N/A
11/30/2019	1,268	279	-1,023	-957	N/A
8/31/2019	1,232	292	-1,086	-1,032	N/A
5/31/2019	1,179	329	-1,038	-979	N/A
2/28/2019	1,143	341	-811	-748	N/A
11/30/2018	1,065	336	-573	-507	N/A
8/31/2018	1,035	319	-332	-256	N/A
5/31/2018	1,018	310	N/A	-122	N/A
2/28/2018	997	286	N/A	-167	N/A
11/30/2017	993	284	N/A	-152	N/A
8/31/2017	968	281	N/A	-307	N/A
5/31/2017	934	264	N/A	-421	N/A
2/28/2017	902	251	N/A	-531	N/A
11/30/2016	877	239	N/A	-813	N/A
8/31/2016	853	226	N/A	-794	N/A
5/31/2016	822	219	N/A	-790	N/A
2/29/2016	802	215	N/A	-689	N/A
5/31/2015	758	208	N/A	-753	N/A
2/28/2015	734	210	N/A	-735	N/A
11/20/2014	689	196	N/A	-745	N/A
8/20/2014	660	192	N/A	-646	N/A
5/20/2014	623	190	N/A	-901	N/A
2/20/2014	576	175	N/A	-1,034	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: AEONCR's forecast earnings growth (12% per year) is above the savings rate (3.6%).

Earnings vs Market: AEONCR's earnings (12% per year) are forecast to grow faster than the MY market (10.8% per year).

High Growth Earnings: AEONCR's earnings are forecast to grow, but not significantly.

Revenue vs Market: AEONCR's revenue (11.8% per year) is forecast to grow faster than the MY market (6.2% per year).

High Growth Revenue: AEONCR's revenue (11.8% 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 (15.3%).

AEON Credit Service (M) Berhad Future Growth

Future criteria checks 3/6

Key information

Recent future growth updates

Price target increased by 8.7% to RM8.13

Results: AEON Credit Service (M) Berhad Beat Earnings Expectations And Analysts Now Have New Forecasts

Price target increased to RM16.24

Price target increased to RM15.04

Price target increased to RM13.52

Price target raised to RM11.96

Recent updates

First half dividend of RM0.14 announced

Second quarter 2025 earnings released: EPS: RM0.14 (vs RM0.23 in 2Q 2024)

AEON Credit Service (M) Berhad Announces Interim Singer-Tier Dividend for the Financial Year Ending 28 February 2025, Payable on 7 November 2024

First quarter 2025 earnings released: EPS: RM0.21 (vs RM0.20 in 1Q 2024)

AEON Credit Service (M) Berhad (KLSE:AEONCR) Has Announced A Dividend Of MYR0.14

Upcoming dividend of RM0.14 per share

AEON Credit Service (M) Berhad Announces the Appointment of Farah Suhanah Binti Ahmad Sarji as Independent and Non Executive Member of Audit Committee

This Is The Reason Why We Think AEON Credit Service (M) Berhad's (KLSE:AEONCR) CEO Deserves A Bump Up To Their Compensation

AEON Credit Service (M) Berhad Proposes Final Single-Tier Dividend for the Financial Year Ended 29 February 2024

AEON Credit Service (M) Berhad, Annual General Meeting, Jun 20, 2024

Price target increased by 8.7% to RM8.13

Final dividend of RM0.14 announced

If EPS Growth Is Important To You, AEON Credit Service (M) Berhad (KLSE:AEONCR) Presents An Opportunity

Now 20% undervalued

Third quarter 2024 earnings released: EPS: RM0.17 (vs RM0.16 in 3Q 2023)

AEON Credit Service (M) Berhad Appoints Rashidah Binti Abu Bakar as Independent and Non Executive Member of Audit Committee, Effective December 22, 2023

AEON Credit Service (M) Berhad Announces Resignation of Datuk Adinan Bin Maning as Independent and Non Executive Member of Audit Committee

Investor sentiment deteriorates as stock falls 50%

Aeon Credit Service (M) Berhad Appoints Yasmin Ahmad Merican as Independent and Non Executive Member of Risk Committee

AEON Credit Service (M) Berhad Reports Write Off of Plant and Equipment for the Quarter Ended August 31, 2023

Second quarter 2024 earnings released: EPS: RM0.45 (vs RM0.28 in 2Q 2023)

AEON Credit Service (M) Berhad Announces Appointment of Chin Pik Yuen as Independent and Non Executive Director

First quarter 2024 earnings released: EPS: RM0.39 (vs RM0.64 in 1Q 2023)

Upcoming dividend of RM0.21 per share at 4.4% yield

AEON Credit Service (M) Berhad (KLSE:AEONCR) Is Paying Out A Larger Dividend Than Last Year

AEON Credit Service (M) Berhad Announces Merger of Nominating Committee and Remuneration Committee into A Single Committee

AEON Credit Service (M) Berhad Approves Final Single-Tier Dividend for Financial Year Ended 28 February 2023

AEON Credit Service (M) Berhad (KLSE:AEONCR) Will Pay A Dividend Of MYR0.21

AEON Credit Service (M) Berhad, Annual General Meeting, Jun 21, 2023

Third quarter 2023 earnings released: EPS: RM0.33 (vs RM0.41 in 3Q 2022)

Now 20% undervalued after recent price drop

Now 20% undervalued after recent price drop

Upcoming dividend of RM0.28 per share

AEON Credit Service (M) Berhad (KLSE:AEONCR) Will Pay A Dividend Of MYR0.285

Second quarter 2023 earnings released: EPS: RM0.28 (vs RM0.28 in 2Q 2022)

AEON Credit Service (M) Berhad Proposes an Interim Single-Tier Dividend for the Financial Year Ending 28 February 2023, Payable on 3 November 2022

First quarter 2023 earnings released: EPS: RM0.64 (vs RM0.64 in 1Q 2022)

Upcoming dividend of RM0.20 per share

Full year 2022 earnings: EPS and revenues miss analyst expectations

Aeon Credit Service (M) Berhad Proposes Special Single-Tier Dividend for the Financial Year Ended February 28, 2022

AEON Credit Service (M) Berhad, Annual General Meeting, Jun 29, 2022

MoneyLion and AEON Consortium Obtain Approval for Malaysian Digital Banking License

MoneyLion and AEON Consortium Obtain Approval for Malaysian Digital Banking License

Results: AEON Credit Service (M) Berhad Beat Earnings Expectations And Analysts Now Have New Forecasts

Full year 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

AEON Credit Service (M) Berhad Proposes Special Single-Tier Dividend for the Financial Year Ended February 28, 2022, Payable on July 21, 2022

Price target increased to RM16.24

Third quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

Price target increased to RM15.04

Upcoming dividend of RM0.28 per share

Investor sentiment improved over the past week

AEON Credit Service (M) Berhad (KLSE:AEONCR) Is Increasing Its Dividend To RM0.28

AEON Credit Service (M) Berhad (KLSE:AEONCR) agreed to acquire Insurepro Sdn. Bhd. from Trans Dimension Sdn. Bhd. for MYR 1.7 million.

High number of new directors

First quarter 2022 earnings released: EPS RM0.64 (vs RM0.10 in 1Q 2021)

MD & Director Yuro Kisaka has left the company

Non Independent & Non Executive Director Kamal Bin Ismaun has left the company

Non-Independent Non-Executive Director Masaaki Mangetsu has left the company

Upcoming dividend of RM0.20 per share

Full year 2021 earnings released: EPS RM0.88 (vs RM1.08 in FY 2020)

Company Secretary has left the company

Price target increased to RM13.52

Full year 2021 earnings released: EPS RM0.88 (vs RM1.08 in FY 2020)

What To Know Before Buying AEON Credit Service (M) Berhad (KLSE:AEONCR) For Its Dividend

AEON Credit Service (M) Berhad (KLSE:AEONCR) Has Compensated Shareholders With A Respectable 75% Return On Their Investment

Could The AEON Credit Service (M) Berhad (KLSE:AEONCR) Ownership Structure Tell Us Something Useful?

What To Know Before Buying AEON Credit Service (M) Berhad (KLSE:AEONCR) For Its Dividend

Third quarter 2021 earnings released: EPS RM0.17

Price target raised to RM11.96