[AEONCR] YoY Annualized Quarter Result on 30-Nov-2023 [#3]

Stock

[AEONCR] AEON CREDIT SERVICE (M) BHD

Announcement Date

21-Dec-2023

Admission Sponsor

Sponsor

Financial Year

29-Feb-2024

Quarter

30-Nov-2023 [#3]

Profit Trend

QoQ- -7.36%

YoY- -5.35%

Quarter Report

AEON Credit - Interim financial report Q3 FY2024.pdf

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AEONCR's Result

AEONCR's Financial Summary

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YoY %

Horiz. %

	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	30/11/17	CAGR
Annualized Quarter Result
Revenue	1,881,222	1,610,108	1,549,216	1,540,416	1,580,661	1,341,742	1,234,598	7.26%
YoY %	16.84%	3.93%	0.57%	-2.55%	17.81%	8.68%	-	-
Horiz. %	152.38%	130.42%	125.48%	124.77%	128.03%	108.68%	100.00%	-
PBT	536,772	556,220	642,708	228,369	363,212	476,090	390,625	5.43%
YoY %	-3.50%	-13.46%	181.43%	-37.13%	-23.71%	21.88%	-	-
Horiz. %	137.41%	142.39%	164.53%	58.46%	92.98%	121.88%	100.00%	-
Tax	-129,974	-126,426	-186,656	-68,052	-91,669	-120,076	-100,293	4.41%
YoY %	-2.81%	32.27%	-174.28%	25.76%	23.66%	-19.73%	-	-
Horiz. %	129.59%	126.06%	186.11%	67.85%	91.40%	119.73%	100.00%	-
NP	406,797	429,793	456,052	160,317	271,542	356,014	290,332	5.77%
YoY %	-5.35%	-5.76%	184.47%	-40.96%	-23.73%	22.62%	-	-
Horiz. %	140.11%	148.04%	157.08%	55.22%	93.53%	122.62%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	406,797	429,793	456,052	160,317	271,542	356,014	290,332	5.77%
YoY %	-5.35%	-5.76%	184.47%	-40.96%	-23.73%	22.62%	-	-
Horiz. %	140.11%	148.04%	157.08%	55.22%	93.53%	122.62%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.21%	22.73%	29.04%	29.80%	25.24%	25.22%	25.68%	-
YoY %	6.51%	-21.73%	-2.55%	18.07%	0.08%	-1.79%	-	-
Horiz. %	94.28%	88.51%	113.08%	116.04%	98.29%	98.21%	100.00%	-
Total Cost	1,474,425	1,180,314	1,093,164	1,380,098	1,309,118	985,728	944,266	7.70%
YoY %	24.92%	7.97%	-20.79%	5.42%	32.81%	4.39%	-	-
Horiz. %	156.15%	125.00%	115.77%	146.16%	138.64%	104.39%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	2,512,227	2,259,473	1,947,997	1,542,058	1,542,060	1,417,541	1,401,122	10.21%
YoY %	11.19%	15.99%	26.32%	-0.00%	8.78%	1.17%	-	-
Horiz. %	179.30%	161.26%	139.03%	110.06%	110.06%	101.17%	100.00%	-

	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	30/11/17	CAGR
Dividend
Div	194,033	97,016	97,016	31,317	75,741	74,299	65,354	19.87%
YoY %	100.00%	0.00%	209.79%	-58.65%	1.94%	13.69%	-	-
Horiz. %	296.90%	148.45%	148.45%	47.92%	115.89%	113.69%	100.00%	-
Div Payout %	47.70%	22.57%	21.27%	19.53%	27.89%	20.87%	22.51%	-
YoY %	111.34%	6.11%	8.91%	-29.97%	33.64%	-7.29%	-	-
Horiz. %	211.91%	100.27%	94.49%	86.76%	123.90%	92.71%	100.00%	-

	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	30/11/17	CAGR
Equity
Net Worth	2,512,227	2,259,473	1,947,997	1,542,058	1,542,060	1,417,541	1,401,122	10.21%
YoY %	11.19%	15.99%	26.32%	-0.00%	8.78%	1.17%	-	-
Horiz. %	179.30%	161.26%	139.03%	110.06%	110.06%	101.17%	100.00%	-
NOSH	510,615	255,307	255,307	255,307	253,604	250,733	247,720	12.80%
YoY %	100.00%	0.00%	0.00%	0.67%	1.15%	1.22%	-	-
Horiz. %	206.13%	103.06%	103.06%	103.06%	102.38%	101.22%	100.00%	-

	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	30/11/17	CAGR
Ratio Analysis
NP Margin	21.62%	26.69%	29.44%	10.41%	17.18%	26.53%	23.52%	-
YoY %	-19.00%	-9.34%	182.80%	-39.41%	-35.24%	12.80%	-	-
Horiz. %	91.92%	113.48%	125.17%	44.26%	73.04%	112.80%	100.00%	-
ROE	16.19%	19.02%	23.41%	10.40%	17.61%	25.11%	20.72%	-
YoY %	-14.88%	-18.75%	125.10%	-40.94%	-29.87%	21.19%	-	-
Horiz. %	78.14%	91.80%	112.98%	50.19%	84.99%	121.19%	100.00%	-

	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	30/11/17	CAGR
Per Share
RPS	368.42	630.65	606.80	603.36	619.12	535.73	532.21	-5.94%
YoY %	-41.58%	3.93%	0.57%	-2.55%	15.57%	0.66%	-	-
Horiz. %	69.22%	118.50%	114.02%	113.37%	116.33%	100.66%	100.00%	-
EPS	78.35	165.71	176.00	60.15	101.49	137.07	149.73	-10.22%
YoY %	-52.72%	-5.85%	192.60%	-40.73%	-25.96%	-8.46%	-	-
Horiz. %	52.33%	110.67%	117.54%	40.17%	67.78%	91.54%	100.00%	-
DPS	38.00	38.00	38.00	12.27	29.67	29.67	28.17	5.11%
YoY %	0.00%	0.00%	209.70%	-58.65%	0.00%	5.32%	-	-
Horiz. %	134.90%	134.90%	134.90%	43.56%	105.32%	105.32%	100.00%	-
NAPS	4.92	8.85	7.63	6.04	6.04	5.66	6.04	-3.35%
YoY %	-44.41%	15.99%	26.32%	0.00%	6.71%	-6.29%	-	-
Horiz. %	81.46%	146.52%	126.32%	100.00%	100.00%	93.71%	100.00%	-

	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	30/11/17	CAGR
Adjusted Per Share Value based on latest NOSH - 510,615
RPS	368.54	315.42	303.49	301.77	309.65	262.85	241.86	7.26%
YoY %	16.84%	3.93%	0.57%	-2.54%	17.80%	8.68%	-	-
Horiz. %	152.38%	130.41%	125.48%	124.77%	128.03%	108.68%	100.00%	-
EPS	79.69	84.20	89.34	31.41	53.20	69.74	56.88	5.77%
YoY %	-5.36%	-5.75%	184.43%	-40.96%	-23.72%	22.61%	-	-
Horiz. %	140.10%	148.03%	157.07%	55.22%	93.53%	122.61%	100.00%	-
DPS	38.01	19.01	19.01	6.14	14.84	14.56	12.80	19.87%
YoY %	99.95%	0.00%	209.61%	-58.63%	1.92%	13.75%	-	-
Horiz. %	296.95%	148.52%	148.52%	47.97%	115.94%	113.75%	100.00%	-
NAPS	4.9215	4.4264	3.8162	3.0209	3.0209	2.777	2.7448	10.21%
YoY %	11.19%	15.99%	26.33%	0.00%	8.78%	1.17%	-	-
Horiz. %	179.30%	161.26%	139.03%	110.06%	110.06%	101.17%	100.00%	-

	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	30/11/17	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/11/23	30/11/22	30/11/21	30/11/20	29/11/19	30/11/18	30/11/17	-
Price	5.70	12.86	12.90	10.46	14.72	15.20	13.60	-
P/RPS	1.55	2.04	2.13	1.73	2.38	2.84	2.56	-8.01%
YoY %	-24.02%	-4.23%	23.12%	-27.31%	-16.20%	10.94%	-	-
Horiz. %	60.55%	79.69%	83.20%	67.58%	92.97%	110.94%	100.00%	-
P/EPS	7.15	7.64	7.22	16.66	13.84	10.69	10.87	-6.74%
YoY %	-6.41%	5.82%	-56.66%	20.38%	29.47%	-1.66%	-	-
Horiz. %	65.78%	70.29%	66.42%	153.27%	127.32%	98.34%	100.00%	-
EY	13.98	13.09	13.85	6.00	7.23	9.35	9.20	7.21%
YoY %	6.80%	-5.49%	130.83%	-17.01%	-22.67%	1.63%	-	-
Horiz. %	151.96%	142.28%	150.54%	65.22%	78.59%	101.63%	100.00%	-
DY	6.67	2.95	2.95	1.17	2.02	1.95	2.07	21.52%
YoY %	126.10%	0.00%	152.14%	-42.08%	3.59%	-5.80%	-	-
Horiz. %	322.22%	142.51%	142.51%	56.52%	97.58%	94.20%	100.00%	-
P/NAPS	1.16	1.45	1.69	1.73	2.44	2.69	2.25	-10.44%
YoY %	-20.00%	-14.20%	-2.31%	-29.10%	-9.29%	19.56%	-	-
Horiz. %	51.56%	64.44%	75.11%	76.89%	108.44%	119.56%	100.00%	-

	30/11/23	30/11/22	30/11/21	30/11/20	30/11/19	30/11/18	30/11/17	CAGR
Price Multiplier on Announcement Date
Date	21/12/23	21/12/22	23/12/21	21/12/20	19/12/19	20/12/18	21/12/17	-
Price	5.63	12.52	13.30	12.20	14.72	14.84	13.80	-
P/RPS	1.53	1.99	2.19	2.02	2.38	2.77	2.59	-8.39%
YoY %	-23.12%	-9.13%	8.42%	-15.13%	-14.08%	6.95%	-	-
Horiz. %	59.07%	76.83%	84.56%	77.99%	91.89%	106.95%	100.00%	-
P/EPS	7.07	7.44	7.45	19.43	13.84	10.44	11.03	-7.14%
YoY %	-4.97%	-0.13%	-61.66%	40.39%	32.57%	-5.35%	-	-
Horiz. %	64.10%	67.45%	67.54%	176.16%	125.48%	94.65%	100.00%	-
EY	14.15	13.45	13.43	5.15	7.23	9.58	9.07	7.69%
YoY %	5.20%	0.15%	160.78%	-28.77%	-24.53%	5.62%	-	-
Horiz. %	156.01%	148.29%	148.07%	56.78%	79.71%	105.62%	100.00%	-
DY	6.75	3.04	2.86	1.01	2.02	2.00	2.04	22.05%
YoY %	122.04%	6.29%	183.17%	-50.00%	1.00%	-1.96%	-	-
Horiz. %	330.88%	149.02%	140.20%	49.51%	99.02%	98.04%	100.00%	-
P/NAPS	1.14	1.41	1.74	2.02	2.44	2.62	2.28	-10.90%
YoY %	-19.15%	-18.97%	-13.86%	-17.21%	-6.87%	14.91%	-	-
Horiz. %	50.00%	61.84%	76.32%	88.60%	107.02%	114.91%	100.00%	-

PBT = Profit before Tax, NP = Net Profit, NP to SH = Net Profit Attributable to Shareholder, Div = Dividend, NP Margin = Net Profit Margin, ROE = Return on Equity, NOSH = Number of Shares, RPS = Revenue per Share, EPS = Earning Per Share, DPS = Dividend Per Share, NAPS = Net Asset Per Share, EOQ = End of Quarter, ANN = Announcement, P/RPS = Price/Revenue per Share, P/EPS = Price/Earning per Share, P/NAPS = Price/Net Asset per Share, EY = Earning Yield, DY = Dividend Yield.

NOSH is estimated based on the NP to SH and EPS. Div is an estimated figure based on the DPS and NOSH. Net Worth is an estimated figure based on the NAPS and NOSH.

Div Payout %, NP Margin, ROE, DY, QoQ ⃤ & YoY ⃤ figures in Percentage; RPS, EPS & DPS's figures in Cent; and NAPS's figures in Dollar.

All figures in '000 unless specified.

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