[AEONCR] YoY Cumulative 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- 38.96%

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
Cumulative Result
Revenue	1,410,917	1,207,581	1,161,912	1,155,312	1,185,496	1,006,307	925,949	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	402,579	417,165	482,031	171,277	272,409	357,068	292,969	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	-97,481	-94,820	-139,992	-51,039	-68,752	-90,057	-75,220	4.41%
YoY %	-2.81%	32.27%	-174.28%	25.76%	23.66%	-19.72%	-	-
Horiz. %	129.59%	126.06%	186.11%	67.85%	91.40%	119.72%	100.00%	-
NP	305,098	322,345	342,039	120,238	203,657	267,011	217,749	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	305,098	322,345	342,039	120,238	203,657	267,011	217,749	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	1,105,819	885,236	819,873	1,035,074	981,839	739,296	708,200	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	145,525	72,762	72,762	23,488	56,806	55,724	49,016	19.87%
YoY %	100.00%	0.00%	209.78%	-58.65%	1.94%	13.69%	-	-
Horiz. %	296.89%	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	12.14%	14.27%	17.56%	7.80%	13.21%	18.84%	15.54%	-
YoY %	-14.93%	-18.74%	125.13%	-40.95%	-29.88%	21.24%	-	-
Horiz. %	78.12%	91.83%	113.00%	50.19%	85.01%	121.24%	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	276.32	472.99	455.10	452.52	464.34	401.80	399.16	-5.94%
YoY %	-41.58%	3.93%	0.57%	-2.55%	15.56%	0.66%	-	-
Horiz. %	69.23%	118.50%	114.01%	113.37%	116.33%	100.66%	100.00%	-
EPS	58.76	124.28	132.00	45.11	76.12	102.80	112.30	-10.22%
YoY %	-52.72%	-5.85%	192.62%	-40.74%	-25.95%	-8.46%	-	-
Horiz. %	52.32%	110.67%	117.54%	40.17%	67.78%	91.54%	100.00%	-
DPS	28.50	28.50	28.50	9.20	22.25	22.25	21.13	5.11%
YoY %	0.00%	0.00%	209.78%	-58.65%	0.00%	5.30%	-	-
Horiz. %	134.88%	134.88%	134.88%	43.54%	105.30%	105.30%	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	276.40	236.57	227.62	226.33	232.24	197.14	181.40	7.26%
YoY %	16.84%	3.93%	0.57%	-2.54%	17.80%	8.68%	-	-
Horiz. %	152.37%	130.41%	125.48%	124.77%	128.03%	108.68%	100.00%	-
EPS	59.77	63.15	67.01	23.55	39.90	52.31	42.66	5.77%
YoY %	-5.35%	-5.76%	184.54%	-40.98%	-23.72%	22.62%	-	-
Horiz. %	140.11%	148.03%	157.08%	55.20%	93.53%	122.62%	100.00%	-
DPS	28.51	14.25	14.25	4.60	11.13	10.92	9.60	19.88%
YoY %	100.07%	0.00%	209.78%	-58.67%	1.92%	13.75%	-	-
Horiz. %	296.98%	148.44%	148.44%	47.92%	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	2.06	2.72	2.83	2.31	3.17	3.78	3.41	-8.05%
YoY %	-24.26%	-3.89%	22.51%	-27.13%	-16.14%	10.85%	-	-
Horiz. %	60.41%	79.77%	82.99%	67.74%	92.96%	110.85%	100.00%	-
P/EPS	9.54	10.19	9.63	22.21	18.45	14.26	14.49	-6.72%
YoY %	-6.38%	5.82%	-56.64%	20.38%	29.38%	-1.59%	-	-
Horiz. %	65.84%	70.32%	66.46%	153.28%	127.33%	98.41%	100.00%	-
EY	10.48	9.82	10.39	4.50	5.42	7.01	6.90	7.21%
YoY %	6.72%	-5.49%	130.89%	-16.97%	-22.68%	1.59%	-	-
Horiz. %	151.88%	142.32%	150.58%	65.22%	78.55%	101.59%	100.00%	-
DY	5.00	2.22	2.21	0.88	1.51	1.46	1.55	21.54%
YoY %	125.23%	0.45%	151.14%	-41.72%	3.42%	-5.81%	-	-
Horiz. %	322.58%	143.23%	142.58%	56.77%	97.42%	94.19%	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	2.04	2.65	2.92	2.70	3.17	3.69	3.46	-8.42%
YoY %	-23.02%	-9.25%	8.15%	-14.83%	-14.09%	6.65%	-	-
Horiz. %	58.96%	76.59%	84.39%	78.03%	91.62%	106.65%	100.00%	-
P/EPS	9.42	9.92	9.93	25.90	18.45	13.92	14.70	-7.14%
YoY %	-5.04%	-0.10%	-61.66%	40.38%	32.54%	-5.31%	-	-
Horiz. %	64.08%	67.48%	67.55%	176.19%	125.51%	94.69%	100.00%	-
EY	10.61	10.08	10.07	3.86	5.42	7.18	6.80	7.69%
YoY %	5.26%	0.10%	160.88%	-28.78%	-24.51%	5.59%	-	-
Horiz. %	156.03%	148.24%	148.09%	56.76%	79.71%	105.59%	100.00%	-
DY	5.06	2.28	2.14	0.75	1.51	1.50	1.53	22.04%
YoY %	121.93%	6.54%	185.33%	-50.33%	0.67%	-1.96%	-	-
Horiz. %	330.72%	149.02%	139.87%	49.02%	98.69%	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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