AEON CREDIT SERVICE (M) BHD

KLSE (MYR): AEONCR (5139)

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Last Price

13.90

Today's Change

+0.02 (0.14%)

Day's Change

13.74 - 14.00

Trading Volume

27,900

Financial

Show?
Last 10 FY Result
AQR T4Q 28/02/22 28/02/21 29/02/20 28/02/19 28/02/18 28/02/17 29/02/16 28/02/16 28/02/15 20/02/15 CAGR
Revenue 1,524,880 1,524,880 1,524,880 1,561,660 1,598,775 1,365,843 1,235,122 1,101,955 965,234 965,234 871,600 852,805 8.62%
PBT 526,820 526,820 526,820 324,907 390,441 472,191 398,335 351,162 301,591 301,591 289,269 278,042 9.52%
Tax -161,401 -161,401 -161,401 -90,950 -98,395 -117,567 -98,278 -86,135 -73,369 -73,369 -73,543 -70,673 12.46%
NP 365,419 365,419 365,419 233,957 292,046 354,624 300,057 265,027 228,222 228,222 215,726 207,369 8.39%
-
NP to SH 365,419 365,419 365,419 233,957 292,046 354,624 300,057 265,027 228,222 228,222 215,726 207,369 8.39%
-
Tax Rate 30.64% 30.64% 30.64% 27.99% 25.20% 24.90% 24.67% 24.53% 24.33% 24.33% 25.42% 25.42% -
Total Cost 1,159,461 1,159,461 1,159,461 1,327,703 1,306,729 1,011,219 935,065 836,928 737,012 737,012 655,874 645,436 8.69%
-
Net Worth 2,001,612 2,001,612 2,001,612 1,692,690 1,567,591 1,587,908 1,580,632 954,720 834,659 834,659 699,139 694,047 16.26%
Dividend
AQR T4Q 28/02/22 28/02/21 29/02/20 28/02/19 28/02/18 28/02/17 29/02/16 28/02/16 28/02/15 20/02/15 CAGR
Div 123,824 123,824 123,824 74,549 92,549 118,429 102,058 90,720 91,046 91,046 84,429 40,634 17.18%
Div Payout % 33.89% 33.89% 33.89% 31.86% 31.69% 33.40% 34.01% 34.23% 39.89% 39.89% 39.14% 19.60% -
Equity
AQR T4Q 28/02/22 28/02/21 29/02/20 28/02/19 28/02/18 28/02/17 29/02/16 28/02/16 28/02/15 20/02/15 CAGR
Net Worth 2,001,612 2,001,612 2,001,612 1,692,690 1,567,591 1,587,908 1,580,632 954,720 834,659 834,659 699,139 694,047 16.26%
NOSH 255,307 255,307 255,307 255,307 253,619 265,536 248,449 144,000 153,148 153,148 144,086 149,670 7.89%
Ratio Analysis
AQR T4Q 28/02/22 28/02/21 29/02/20 28/02/19 28/02/18 28/02/17 29/02/16 28/02/16 28/02/15 20/02/15 CAGR
NP Margin 23.96% 23.96% 23.96% 14.98% 18.27% 25.96% 24.29% 24.05% 23.64% 23.64% 24.75% 24.32% -
ROE 18.26% 18.26% 18.26% 13.82% 18.63% 22.33% 18.98% 27.76% 27.34% 27.34% 30.86% 29.88% -
Per Share
AQR T4Q 28/02/22 28/02/21 29/02/20 28/02/19 28/02/18 28/02/17 29/02/16 28/02/16 28/02/15 20/02/15 CAGR
RPS 597.27 597.27 597.27 611.68 626.21 514.37 497.76 765.25 630.26 630.26 588.43 575.05 0.54%
EPS 139.17 143.13 139.17 87.67 107.48 133.55 143.01 174.55 149.02 149.02 145.64 139.83 -0.06%
DPS 48.50 48.50 48.50 29.20 36.25 44.60 41.13 63.00 59.45 59.45 57.00 27.40 8.46%
NAPS 7.84 7.84 7.84 6.63 6.14 5.98 6.37 6.63 5.45 5.45 4.72 4.68 7.61%
Adjusted Per Share Value based on latest NOSH - 255,307
AQR T4Q 28/02/22 28/02/21 29/02/20 28/02/19 28/02/18 28/02/17 29/02/16 28/02/16 28/02/15 20/02/15 CAGR
RPS 597.27 597.27 597.27 611.68 626.21 534.98 483.78 431.62 378.07 378.07 341.39 334.03 8.62%
EPS 139.17 143.13 139.17 87.67 114.39 138.90 117.53 103.81 89.39 89.39 84.50 81.22 7.96%
DPS 48.50 48.50 48.50 29.20 36.25 46.39 39.97 35.53 35.66 35.66 33.07 15.92 17.17%
NAPS 7.84 7.84 7.84 6.63 6.14 6.2196 6.1911 3.7395 3.2692 3.2692 2.7384 2.7185 16.26%
Price Multiplier on Financial Quarter End Date
AQR T4Q 28/02/22 28/02/21 29/02/20 28/02/19 28/02/18 28/02/17 29/02/16 28/02/16 28/02/15 20/02/15 CAGR
Date 28/02/22 28/02/22 28/02/22 26/02/21 28/02/20 28/02/19 28/02/18 28/02/17 29/02/16 26/02/16 27/02/15 18/02/15 -
Price 14.68 14.68 14.68 11.72 13.80 16.54 13.30 15.70 11.92 11.72 13.30 12.98 -
P/RPS 2.46 2.46 2.46 1.92 2.20 3.22 2.67 2.05 1.89 1.86 0.00 2.26 1.21%
P/EPS 10.26 10.26 10.26 12.79 12.06 12.38 11.00 8.53 8.00 7.86 0.00 9.28 1.43%
EY 9.75 9.75 9.75 7.82 8.29 8.07 9.09 11.72 12.50 12.72 0.00 10.77 -1.40%
DY 3.30 3.30 3.30 2.49 2.63 2.70 3.09 4.01 4.99 5.07 0.00 2.11 6.57%
P/NAPS 1.87 1.87 1.87 1.77 2.25 2.77 2.09 2.37 2.19 2.15 2.82 2.77 -5.43%
Price Multiplier on Announcement Date
AQR T4Q 28/02/22 28/02/21 29/02/20 28/02/19 28/02/18 28/02/17 29/02/16 28/02/16 28/02/15 20/02/15 CAGR
Date 05/04/22 05/04/22 05/04/22 08/04/21 09/04/20 25/04/19 27/04/18 25/04/17 21/04/16 - 20/04/15 20/04/15 -
Price 15.30 15.30 15.30 12.40 9.14 16.78 12.82 16.30 12.78 0.00 14.48 14.48 -
P/RPS 2.56 2.56 2.56 2.03 1.46 3.26 2.58 2.13 2.03 0.00 0.00 2.52 0.22%
P/EPS 10.69 10.69 10.69 13.53 7.99 12.56 10.60 8.86 8.58 0.00 0.00 10.36 0.44%
EY 9.35 9.35 9.35 7.39 12.52 7.96 9.43 11.29 11.66 0.00 0.00 9.66 -0.46%
DY 3.17 3.17 3.17 2.35 3.97 2.66 3.21 3.87 4.65 0.00 0.00 1.89 7.63%
P/NAPS 1.95 1.95 1.95 1.87 1.49 2.81 2.01 2.46 2.34 0.00 3.07 3.09 -6.34%

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.

Discussions
7 people like this. Showing 50 of 2,315 comments

wallstreetrookie

Ok, so US will hike 25 bps. So far no signalling from BNM

2022-03-03 09:26

wallstreetrookie

Aeon Credit - this stock is 100% a vehicle to play the interest rate hike cycle. Better than traditional banks. Consumers rotate from banks to personal consumer loan companies in search for better deals. The consensus right now is no hikes from BNM.

2022-03-03 14:18

wallstreetrookie

Aeon Credit Maintain Neutral with a short term pt of RM15.00

2022-03-03 14:19

wallstreetrookie

Bank Negara Malaysia will continue gauging the “appropriate degree of monetary policy accommodation to make
sure this economic recovery is much more durable,” Governor Nor Shamsiah Mohd Yunus said in a recorded
interview with Haslinda Amin, part of Bloomberg Live’s Asean Business Summit on Wednesday.
She added “we will continually assess” policy normalization when asked if it could happen in the second half of the
year, as analysts predict, and that BNM will ensure inflation expectations remain anchored.

Bloomberg | Markets

2022-03-16 15:37

wallstreetrookie

Dump Aeon Credit

2022-03-16 16:13

Cakes Moon

Lai liao!!!
Buy in!!!

2022-03-22 12:35

TanDavid88

pang72,
You tell lies again.
Look like we are laughing to the bank.
PMBTech tak ada crash.
C you at 21.92 soon, bolih ka ?

2022-03-31 12:40

Michael R.

Seems like a winner?

2022-04-01 12:18

Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥

With the economy opening up, Aeon Credit should benefit. It is well managed. Also, should the lowest pay be increased to RM 1,500 per month, its business revenue should benefit from this too. We can expect its dividends to return back to its previous years' levels.

2 months ago

wallstreetrookie

Ringgit interest rate swap up almost 100 basis points since since 07/26/21.
It makes no sense lol
Code: IRSB MRSWQ05

2 months ago

wallstreetrookie

No signalling yet but already priced in so much hikes.

2 months ago

jason007

taoke start selling ?

2 months ago

wallstreetrookie

My Favourite Equity Research division
1. RHB-OSK Or CGS-CIMB (banks)
2. Kenanga (boutique investment bank)
3. TA Securities (smaller firm)

2 months ago

wallstreetrookie

The consensus is that Malaysia will only raise rates in second half of 2022

2 months ago

Michael R.

Won Digital Bank license?

2 months ago

wallstreetrookie

Not confirmed. Don't spread rumours. Shh

2 months ago

cyeec2000

if looking at their exist bussiness, they already have clients that banks dont served which already meeting requirement to get license

2 months ago

wallstreetrookie

Aeon Credit Is a neutral with a mid term target of RM16.00
Future catalysts include the eventual rate hikes and any signalling by BNM governor. Ringgit interest rate swaps continue to move to the upside with no signs of slowing down

2 months ago

wallstreetrookie

Any dips are good

2 months ago

wallstreetrookie

The only stock that tracks interest rate hikes. Add every day

2 months ago

wallstreetrookie

Next quarter, Aeon Credit will be able to beat their quarterly results easily. No problem at all.

2 months ago

troy88

Congrats to those bought during the panic sell after QR was released..

2 months ago

Michael R.

Those granted with the licence will have to maintain a minimum amount of RM100
million in capital funds in the foundational phase, which will be further raised to RM300 million by the third year of operations.

2 months ago

wallstreetrookie

Aeon Credit to test its all time high in 2019 as interest rate swaps show further upside risk. The anticipation of the license will further drive the hype

2 months ago

wallstreetrookie

Most of the market participants didn't expect Aeon Credit and Aeon to win except insiders. Already provided a lot of hints here

2 months ago

wallstreetrookie

Next quarter is easy to beat

2 months ago

wallstreetrookie

The company basically gets a cut of digital banking revenue for Islamic Banking services. Another source of free money for Aeon Credit. 100%

2 months ago

Michael R.

Congrats EAONCR

2 months ago

Foker

Excuse me, but i think most people anticipated that Aeoncr will get the license. It is obvious given Aeoncr's track record in serving the underserved market

2 months ago

Foker

Aeoncr can offer higher interest rate on their digital bank deposits than other players because it already has a big portfolio of borrowers. Low risk, means that they can accept lower NIM.

2 months ago

Foker

Big portfolio of loans from B40, rich japanese parent who can also extend low interest loan to Aeoncr, fantastic company for digital bank license

2 months ago

wallstreetrookie

Aeon Credit average value traded is only RM25,000
If a lot of people anticipated like you claimed, why is the daily volume so low? Explain

2 months ago

wallstreetrookie

The word "horseback cannon" is seriously genius. Someone on i3 invented this term and now I love using it to describe people like @Foker

1 month ago

wallstreetrookie

Dumbass selling again

1 month ago

Collin59

buy back saham btcoin gg already apa robot la ai all gg

1 month ago

Michael R.

SELL on NEWS ... they have accumulated since they submitted the application..

1 month ago

wallstreetrookie

Disagree. This is not a Sell on News event.

1 month ago

wallstreetrookie

What kind of traders trade a large cap stock like Aeon Credit? Sell on news and be ready to buy back at a higher price.

1 month ago

wallstreetrookie

Large cap of the year: Kuala Lumpur Kepong and Aeon Credit among top picks. Secular growth stocks, very nice

1 month ago

wallstreetrookie

I have 500k in AEONCR. Not selling

1 month ago

wallstreetrookie

You guys will seriously regret selling because of the news. High dividend payout with conservative growth. I did an extensive DCF model for Aeon Credit and my conservative price target is RM17.00. Aeon Credit with the digital banking license is now a mix of technology, fintech and financial services. Can be listed under banks or even tech stocks.

1 month ago

wallstreetrookie

Aberdeen Asset Management come on keep selling

1 month ago

Foker

Ur extensive DCF model sucks

1 month ago

LouiseS

AEON CREDIT: 十年来股价持续上升的借贷公司，值得投资吗？
AEON CREDIT SERVICE (M) BERHAD 2021 年度财报分析
https://youtu.be/cvYob3hdlaM

1 month ago

sakthivaren

borrow motor

1 month ago

dragon328

A major rerating is coming soon for AEON

https://klse.i3investor.com/web/blog/detail/dragon328/2022-05-20-story...

1 month ago

wallstreetrookie

Aeon Credit let's go

1 month ago

jason007

Lau sai

2 weeks ago

521onepiece

what happened?

2 weeks ago

Keyman188

OMG...what is happening now !!!...

Keyman188 still maintaining to see KLCI @ 13xx for this year (2022)...

Very high possibility will drop below RM 11.00 soon...

wkwkwk...kekeke...hehehe...

2 weeks ago

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