AEON CREDIT SERVICE (M) BHD

KLSE (MYR): AEONCR (5139)

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Last Price

6.62

Today's Change

-0.14 (2.07%)

Day's Change

6.61 - 6.77

Trading Volume

348,500

Financial
Market Cap

Market Cap

3,379 Million

NOSH

510 Million

Latest Quarter

Latest Quarter

31-Aug-2024 [#2]

Announcement Date

26-Sep-2024

Next Quarter

30-Nov-2024

Est. Ann. Date

21-Dec-2024

Est. Ann. Due Date

29-Jan-2025

QoQ | YoY

-33.13% | -40.79%

T4Q Result

Revenue | NP to SH

2,051,775.000 | 382,037.000

RPS | P/RPS

401.95 Cent | 1.65

EPS | P/E | EY

74.84 Cent | 8.85 | 11.31%

DPS | DY | Payout %

28.25 Cent | 4.27% | 37.75%

NAPS | P/NAPS

5.34 | 1.24

QoQ | YoY

-11.37% | -4.14%

NP Margin | ROE

18.62% | 14.02%

F.Y. | Ann. Date

31-Aug-2024 | 26-Sep-2024

Latest Audited Result

Latest Audited Result

29-Feb-2024

Announcement Date

21-May-2024

Next Audited Result

28-Feb-2025

Est. Ann. Date

21-May-2025

Est. Ann. Due Date

27-Aug-2025

Annual (Unaudited)

Revenue | NP to SH

1,912,491.000 | 424,018.000

RPS | P/RPS

374.66 Cent | 1.77

EPS | P/E | EY

83.07 Cent | 7.97 | 12.55%

DPS | DY | Payout %

42.51 Cent | 6.42% | 51.18%

NAPS | P/NAPS

5.17 | 1.28

YoY

1.52%

NP Margin | ROE

22.17% | 16.06%

F.Y. | Ann. Date

29-Feb-2024 | 08-Apr-2024

Annualized Result

Revenue | NP to SH

2,127,376.000 | 355,142.000

RPS | P/RPS

416.76 Cent | 1.59

EPS | P/E | EY

69.57 Cent | 9.52 | 10.51%

DPS | DY | Payout %

-

NAPS | P/NAPS

-

QoQ | YoY

-16.57% | -19.12%

NP Margin | ROE

16.69% | 13.03%

F.Y. | Ann. Date

31-Aug-2024 | 26-Sep-2024

Business Process

Trailing 4 Quarters Trailing 8 Quarters
Available Quarters 4 Quarters 8 Quarters
Continuous Quarters Of Revenue Growth 4 / 4 100.00% 8 / 8 100.00%
Total Positive Profit Years 4 / 4 100.00% 8 / 8 100.00%
Continuous Quarters Of Positive Profit 4 / 4 100.00% 8 / 8 100.00%
Continuous Quarters Of Profit Growth 0 / 4 0.00% 0 / 8 0.00%
Continuous Quarters Of Adjusted EPS Growth 0 / 4 0.00% 0 / 8 0.00%
Total Dividend Years 2 / 4 50.00% 4 / 8 50.00%
Continuous Quarters Of Dividend 1 / 4 25.00% 1 / 8 12.50%
Continuous Quarters Of Dividend Growth 0 / 4 0.00% 0 / 8 0.00%
Continuous Quarters Of Adjusted Dps Growth 1 / 4 25.00% 1 / 8 12.50%
Average ROE 3.60% 3.89%
Average Net Profit Margin 18.70% 20.54%

Last 5 Financial Years Last 10 Financial Years
Available Years 5 Years 10 Years
Continuous Quarters Of Revenue Growth 2 / 5 40.00% 2 / 10 20.00%
Total Positive Profit Years 5 / 5 100.00% 10 / 10 100.00%
Continuous Quarters Of Positive Profit 5 / 5 100.00% 10 / 10 100.00%
Continuous Quarters Of Profit Growth 3 / 5 60.00% 3 / 10 30.00%
Continuous Quarters Of Adjusted EPS Growth 3 / 5 60.00% 3 / 10 30.00%
Total Dividend Years 5 / 5 100.00% 10 / 10 100.00%
Continuous Quarters Of Dividend 5 / 5 100.00% 10 / 10 100.00%
Continuous Quarters Of Dividend Growth 3 / 5 60.00% 3 / 10 30.00%
Continuous Quarters Of Adjusted Dps Growth 3 / 5 60.00% 3 / 10 30.00%
Average ROE 16.95% 20.85%
Average Net Profit Margin 20.97% 22.64%
Key Result

T4Q Annualized Annual (Unaudited) Last 10 FY Average Last 5 FY Average
Revenue 2,051,775 2,127,376 1,912,491 1,387,143 1,647,610
NP to SH 382,037 355,142 424,018 310,927 346,625
Dividend 144,226 145,508 217,011 112,761 126,862
Adjusted EPS 74.84 69.57 83.07 60.91 67.90
Adjusted DPS 28.25 28.51 42.51 22.09 24.85

NP to SH = Net Profit Attributable to Shareholder, EPS = Earning Per Share, DPS = Dividend Per Share

All figures in '000 unless specified.

EPS & DPS's figures in Cent.

Growth

LQ QoQ LQ YoY CQ YoY LQ vs Average of T4Q LQ vs Average of T8Q
Revenue 3.67% 14.78% 15.07% 5.55% 13.19%
NP to Owner -33.13% -40.79% -19.12% -25.50% -27.07%
Dividend 0.00% -0.03% -0.01% 101.74% 115.05%
Adjusted EPS -33.13% -40.79% -19.12% -25.50% -27.07%
Adjusted DPS 0.00% -0.03% -0.01% 101.74% 115.05%

LQ = Latest Quarter, CQ = Cumulative Quarter, T4Q = Trailing 4 Quarters, T8Q = Trailing 8 Quarters, QoQ = Quarter on Quarter, YoY = Year on Year

T4Q vs LFY T4Q vs AL5FY T4Q vs AL10FY AQR vs LFY AQR vs AL5FY AQR vs AL10FY LFY YoY LFY vs AL5FY LFY vs AL10FY
Revenue 7.28% 24.53% 47.91% 11.24% 29.12% 53.36% 16.60% 16.08% 37.87%
NP to Owner -9.90% 10.22% 22.87% -16.24% 2.46% 14.22% 1.52% 22.33% 36.37%
Dividend -33.54% 13.69% 27.90% -32.95% 14.70% 29.04% 71.72% 71.06% 92.45%
Adjusted EPS -9.90% 10.21% 22.87% -16.24% 2.46% 14.22% 1.52% 22.33% 36.37%
Adjusted DPS -33.55% 13.67% 27.88% -32.95% 14.70% 29.04% 71.72% 71.06% 92.45%

T4Q = Trailing 4 Quarters, T8Q = Trailing 8 Quarters, AL5FY = Average of Last 5 Financial Years, AL10FY = Average of Last 10 Financial Years, LFY = Latest Financial Year AQR = Annualized Quarter Result, YoY = Year on Year

Discussions
7 people like this. Showing 50 of 2,429 comments

jackjason

LP and PL

2023-11-18 00:52

alexgan9918

Price become 5.73 after bonus, now I got negative profit :(

2023-11-21 15:49

pathew

cornered stock.... ppl can easily control price, just hold since fundamentals intact

2023-11-23 11:57

fortunefire

3.x is possible

2023-11-24 10:01

lotuseater

3.x? when? in your dreams?

2023-11-24 10:41

ykloh

What kind of contribution will the digital bank bring to ACS. It may be negative, at least in the initial years.

2023-12-11 16:02

up2_sky

"Today closing 11.30 . If based on average pe 9 , the fair value should be around 13.50"..
ivanlau, this was your comments right?

2023-12-11 16:05

jackjason

ykloh, initial investment in digital bank will impact the performance of ACR. But also not guarantee future can get benefit from digital bank and need continue pump in the money. In market how many digital can doing well and how many player get burn with exit the digital bank market. Is interest to know.

2023-12-11 23:33

beginner888

Disappointed QR

Aggressive & highest topline in the last 12 quarters yet low bottom line

Although significant impairment yet NPL is still high

2023-12-22 23:53

beginner888

Lending out is easy but if can not recover is useless

2023-12-23 00:07

flyhub888

still financial services is the most steady businesses nowadays

2023-12-25 00:38

loss9696

Ooh, no-ooh, and the sky is falling down

btw, does anyone know AEONCR is making more money when the interest rate is high or low?

2023-12-26 22:10

Pinky

AEONCR is not like your conventional banks, using depositors' money to lend out. They are raising market in the bond market mainly.

2023-12-27 09:09

James_Bond

Be informed that I closed my short on Aeoncr. Happy New Year 2024, Cheers!

2023-12-27 11:38

James_Bond

Ivanlau, agreed with you.

2023-12-27 11:55

fortunefire

down trend till the end of the year

2023-12-28 17:13

katara

rebound

2024-01-04 20:43

fortunefire

huat ah! tp: 6.x

2024-01-09 12:02

jazmaster

Moody’s Investors Service anticipates that AEON Bank Bhd will act as a driver for further growth in Malaysia’s Islamic banking sector, due to the strong awareness and interest in digital Islamic banking.

https://www.thestar.com.my/business/business-news/2024/01/16/moodys-aeon-bank-to-spur-islamic-banking-sector

2024-01-16 15:25

cindywang

have digital license

2024-01-23 08:22

cindywang

Aeon bank

2024-01-23 08:22

jazmaster

Yes, AEON Bank holds one of the two Islamic digital banking licences awarded by Bank Negara in 2022

2024-01-23 11:55

bearcomebullgone

wahhh bagus la ada digital bank

aeon bank terbang nnt

2024-01-24 09:18

Jack888

Going to fly soon ... if touch 6.20 and above..

2024-02-16 15:12

Jack888

Second round uptrend coming....chances to move higher....7.00 ???

2024-04-02 10:55

multi-bagger

moving up in anticipation of good qr?

2024-04-03 20:43

bearcomebullgone

best ka ada rm7 tp

janji tp rm8.2

2024-04-12 11:24

jazmaster

Blue chip stock and worth to hold for long-term

2024-04-26 19:36

jackjason

no momentum to up , time to consider dispose a bit

2024-05-09 01:30

DoubtfulBsk

no harm to chip in more

2024-05-28 17:37

leekh5555

investment grade stock, waiting to reach PE14.

2024-06-14 18:18

raymondroy

officially joined the aeoncr bandwagon :-) .... its gonna be a bumpy ride for sure, firstly looking forward to the 24c div on 4th of july, and thereon proper valuation for this 9x PER valued gem. Digital bank loss targeted for the year is RM160-170m.... of whioch aeoncr owns 50% therefore 80-85m a year or 20-21m loss a year, which is reasonable considering they are targeting at least 10% increased in receivable financing.... happy hunting :-) guys

2024-06-26 17:47

raymondroy

did i say 24c...... haha i meant 14c :-)

2024-06-26 17:47

zzprozaz

Post removed.Why?

2024-07-10 08:33

raymondroy

1st Qtr 31 May 2024 Results
Total transaction and financing volume in the current quarter of RM1.975 billion was higher by 7.8% as
compared to preceding year corresponding quarter. The Group recorded a total revenue of RM522.259 million,
which was higher by 15.4% as compared to the preceding year corresponding quarter mainly attributable to
stronger loan and financing growth.
The Group has equity accounted for its proportionate share of losses in AEON Bank (M) Berhad during the
quarter amounting to RM11.594 million.
Profit before tax (“PBT”) for the current quarter of RM144.825 million increased by 9.8% as compared to the
preceding year corresponding quarter.
PBT for the current quarter was recorded at RM144.825 million, a decrease of 10.9% compared to RM162.595
million in the immediate preceding quarter. The lower PBT was mainly due to the higher impairment losses on
financing receivables of RM163.457 million as compared to RM113.984 million recorded in the immediate
preceding quarter.
Good results :-)

2024-07-10 20:39

DickyMe

RM 4.50 coming soon.

2024-07-20 19:15

curiousq

Q2, 2025
The ratio of total operating expenses against revenue for the current quarter was recorded at 68.1% as compared to 58.3% in the preceding year corresponding quarter.
The increase in the ratio of operating expenses was mainly attributable to the higher impairment losses on financing receivables of RM193.584 million as compared to RM120.574 million for the preceding year corresponding quarter.

2 months ago

mesoan

why sudden spike in impairment?

2 months ago

DickyMe

Normal lah! That is how to songlap.

2 months ago

jazmaster

What is songlap?

1 month ago

1288Go

What's Songlap..??
(Strange pronunciation 😃)..

1 month ago

1288Go

Eh, Dicky..
Please what is Song lap !! Arh
😅🤣

1 month ago

1288Go

😂😆..
Songlap!!
Songlap!!

1 month ago

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