[AEONCR] YoY TTM 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- 0.48%

YoY- 15.83%

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
TTM Result
Revenue	1,843,581	1,570,549	1,568,260	1,563,985	1,545,032	1,315,480	1,216,791	7.16%
YoY %	17.38%	0.15%	0.27%	1.23%	17.45%	8.11%	-	-
Horiz. %	151.51%	129.07%	128.88%	128.53%	126.98%	108.11%	100.00%	-
PBT	532,390	461,954	635,661	289,309	387,532	462,434	396,033	5.05%
YoY %	15.25%	-27.33%	119.72%	-25.35%	-16.20%	16.77%	-	-
Horiz. %	134.43%	116.65%	160.51%	73.05%	97.85%	116.77%	100.00%	-
Tax	-131,952	-116,229	-179,903	-80,682	-96,262	-113,115	-98,231	5.03%
YoY %	-13.53%	35.39%	-122.98%	16.18%	14.90%	-15.15%	-	-
Horiz. %	134.33%	118.32%	183.14%	82.13%	98.00%	115.15%	100.00%	-
NP	400,438	345,725	455,758	208,627	291,270	349,319	297,802	5.05%
YoY %	15.83%	-24.14%	118.46%	-28.37%	-16.62%	17.30%	-	-
Horiz. %	134.46%	116.09%	153.04%	70.06%	97.81%	117.30%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	400,438	345,725	455,758	208,627	291,270	349,319	297,802	5.05%
YoY %	15.83%	-24.14%	118.46%	-28.37%	-16.62%	17.30%	-	-
Horiz. %	134.46%	116.09%	153.04%	70.06%	97.81%	117.30%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.78%	25.16%	28.30%	27.89%	24.84%	24.46%	24.80%	-
YoY %	-1.51%	-11.10%	1.47%	12.28%	1.55%	-1.37%	-	-
Horiz. %	99.92%	101.45%	114.11%	112.46%	100.16%	98.63%	100.00%	-
Total Cost	1,443,143	1,224,824	1,112,502	1,355,358	1,253,762	966,161	918,989	7.80%
YoY %	17.82%	10.10%	-17.92%	8.10%	29.77%	5.13%	-	-
Horiz. %	157.04%	133.28%	121.06%	147.48%	136.43%	105.13%	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	126,377	123,824	123,824	59,231	113,867	105,169	89,277	5.96%
YoY %	2.06%	0.00%	109.05%	-47.98%	8.27%	17.80%	-	-
Horiz. %	141.56%	138.70%	138.70%	66.35%	127.54%	117.80%	100.00%	-
Div Payout %	31.56%	35.82%	27.17%	28.39%	39.09%	30.11%	29.98%	-
YoY %	-11.89%	31.84%	-4.30%	-27.37%	29.82%	0.43%	-	-
Horiz. %	105.27%	119.48%	90.63%	94.70%	130.39%	100.43%	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	21.72%	22.01%	29.06%	13.34%	18.85%	26.55%	24.47%	-
YoY %	-1.32%	-24.26%	117.84%	-29.23%	-29.00%	8.50%	-	-
Horiz. %	88.76%	89.95%	118.76%	54.52%	77.03%	108.50%	100.00%	-
ROE	15.94%	15.30%	23.40%	13.53%	18.89%	24.64%	21.25%	-
YoY %	4.18%	-34.62%	72.95%	-28.37%	-23.34%	15.95%	-	-
Horiz. %	75.01%	72.00%	110.12%	63.67%	88.89%	115.95%	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	361.05	615.16	614.26	612.59	605.16	525.25	524.54	-6.03%
YoY %	-41.31%	0.15%	0.27%	1.23%	15.21%	0.14%	-	-
Horiz. %	68.83%	117.28%	117.10%	116.79%	115.37%	100.14%	100.00%	-
EPS	78.42	135.42	178.51	81.72	114.09	139.48	128.38	-7.88%
YoY %	-42.09%	-24.14%	118.44%	-28.37%	-18.20%	8.65%	-	-
Horiz. %	61.08%	105.48%	139.05%	63.65%	88.87%	108.65%	100.00%	-
DPS	24.75	48.50	48.50	23.20	44.60	42.25	38.49	-7.09%
YoY %	-48.97%	0.00%	109.05%	-47.98%	5.56%	9.77%	-	-
Horiz. %	64.30%	126.01%	126.01%	60.28%	115.87%	109.77%	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	361.16	307.67	307.23	306.39	302.67	257.71	238.37	7.16%
YoY %	17.39%	0.14%	0.27%	1.23%	17.45%	8.11%	-	-
Horiz. %	151.51%	129.07%	128.89%	128.54%	126.97%	108.11%	100.00%	-
EPS	78.45	67.73	89.28	40.87	57.06	68.43	58.34	5.05%
YoY %	15.83%	-24.14%	118.45%	-28.37%	-16.62%	17.30%	-	-
Horiz. %	134.47%	116.10%	153.03%	70.05%	97.81%	117.30%	100.00%	-
DPS	24.76	24.26	24.26	11.60	22.31	20.60	17.49	5.96%
YoY %	2.06%	0.00%	109.14%	-48.01%	8.30%	17.78%	-	-
Horiz. %	141.57%	138.71%	138.71%	66.32%	127.56%	117.78%	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	1.58	2.09	2.10	1.71	2.43	2.89	2.59	-7.90%
YoY %	-24.40%	-0.48%	22.81%	-29.63%	-15.92%	11.58%	-	-
Horiz. %	61.00%	80.69%	81.08%	66.02%	93.82%	111.58%	100.00%	-
P/EPS	7.27	9.50	7.23	12.80	12.90	10.90	10.59	-6.07%
YoY %	-23.47%	31.40%	-43.52%	-0.78%	18.35%	2.93%	-	-
Horiz. %	68.65%	89.71%	68.27%	120.87%	121.81%	102.93%	100.00%	-
EY	13.76	10.53	13.84	7.81	7.75	9.18	9.44	6.47%
YoY %	30.67%	-23.92%	77.21%	0.77%	-15.58%	-2.75%	-	-
Horiz. %	145.76%	111.55%	146.61%	82.73%	82.10%	97.25%	100.00%	-
DY	4.34	3.77	3.76	2.22	3.03	2.78	2.83	7.38%
YoY %	15.12%	0.27%	69.37%	-26.73%	8.99%	-1.77%	-	-
Horiz. %	153.36%	133.22%	132.86%	78.45%	107.07%	98.23%	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	1.56	2.04	2.17	1.99	2.43	2.83	2.63	-8.33%
YoY %	-23.53%	-5.99%	9.05%	-18.11%	-14.13%	7.60%	-	-
Horiz. %	59.32%	77.57%	82.51%	75.67%	92.40%	107.60%	100.00%	-
P/EPS	7.18	9.25	7.45	14.93	12.90	10.64	10.75	-6.50%
YoY %	-22.38%	24.16%	-50.10%	15.74%	21.24%	-1.02%	-	-
Horiz. %	66.79%	86.05%	69.30%	138.88%	120.00%	98.98%	100.00%	-
EY	13.93	10.82	13.42	6.70	7.75	9.40	9.30	6.96%
YoY %	28.74%	-19.37%	100.30%	-13.55%	-17.55%	1.08%	-	-
Horiz. %	149.78%	116.34%	144.30%	72.04%	83.33%	101.08%	100.00%	-
DY	4.40	3.87	3.65	1.90	3.03	2.85	2.79	7.88%
YoY %	13.70%	6.03%	92.11%	-37.29%	6.32%	2.15%	-	-
Horiz. %	157.71%	138.71%	130.82%	68.10%	108.60%	102.15%	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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