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0900.HK stock logo

0900.HK

AEON Credit Service (Asia) Company Limited

$8.45
-0.01
 (-0.12%)
[ms_data_label text=’Delayed data’]
Exchange:  HKSE
Market Cap:  3.539B
Shares Outstanding:  418.766M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Aiguo Wei
Full Time Employees:  596
Address: 
Mira Place Tower A
Tsim Sha Tsui
HK
Website:  https://www.aeon.com.hk
AEON Credit Service (Asia) Company Limited, together with its subsidiaries, engages in the consumer finance business primarily in Hong Kong. It operates through three segments: Credit Cards, Personal Loans, and Insurance. The Credit Card segment offers credit card services to individuals; and acquiring services for member stores. The Personal Loans segment provides personal loan financing services to individuals. The Insurance segment offers insurance agency and brokerage services. It also provides card payment processing and microfinance services. The company was founded in 1987 and is headquartered in Tsim Sha Tsui, Hong Kong. AEON Credit Service (Asia) Company Limited is a subsidiary of AEON Financial Service (Hong Kong) Co., Limited.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,627,6991,230,5821,843,906
Gross Profit1,541,8431,230,5821,627,407
EBITDA682,636720,767777,518
Operating Income829,441881,201670,216
Net Income392,270400,478468,199

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets7,561,2327,868,3298,382,162
Total Liabilities3,493,2393,617,1683,898,501
Total Stockholders Equity4,067,9934,251,1614,483,661
Total Debt3,100,5963,271,2023,471,383
Cash and Cash Equivalents295,379249,839260,416.999

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-637,397156,98086,503
Capital Expenditure-127,209-35,915-20,834
Free Cash Flow-764,606121,06565,669
Net Income392,270400,478468,199
Net Change in Cash-115,849-27,56816,326.999

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)2,042,000Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)2,042,000Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)2,042,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)954,764.439Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)954,764.439Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)954,764.439Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)561,169.221Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)561,169.221Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)561,169.221Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)392,371.200Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)392,371.200Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)392,371.200Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.340Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.340Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.340Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
2.08
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
7.61
?Enterprise Value
 (TTM)
: 
6.775B  ?EV/FCF
 (TTM)
: 
103.16
?Dividend Yield
 (TTM)
: 
0.06  ?Payout Ratio
 (TTM)
: 
0.45
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.77
?P/B
 (TTM)
: 
0.79  ?Current Ratio
 (TTM)
: 
3.2

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
56.69Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate HK Intrinsic Value

Common questions about 0900.HK valuation

Is AEON Credit Service (Asia) Company Limited (0900.HK) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for AEON Credit Service (Asia) Company Limited (0900.HK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is 0900.HK a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether 0900.HK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is 0900.HK’s P/E ratio?

You can see 0900.HK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for 0900.HK?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is 0900.HK a good long-term investment?

Whether 0900.HK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

0900.HK

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

-0.12
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 6.22   Year High: 8.64
Price Avg 50: 7.94   Price Avg 200: 7.51
Volume: 44000   Average Volume: 97248

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