AEON Credit Service (Asia) Company Limited (HKG:0900)

HKG:0900 Income Statement

Financials in millions HKD. Fiscal year is March - February.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 31, 2025	Feb 28, 2025	Feb 29, 2024	Feb 28, 2023	Feb 28, 2022	Feb 28, 2021
Interest and Dividend Income	1,488	1,477	1,367	1,032	879.27	946.77
Total Interest Expense	129.13	129.79	108.46	44.13	31.83	42.15
Net Interest Income	1,359	1,348	1,259	988.01	847.44	904.62
Commissions and Fees	140.67	142.57	129.17	131.71	103.44	76.99
Other Revenue	163.96	159.42	142.4	91.81	72.68	71.52
Revenue Before Loan Losses	1,664	1,650	1,530	1,212	1,024	1,053
Provision for Loan Losses	404.81	418.99	347.48	139.32	53.74	172.15
Revenue	1,259	1,231	1,183	1,072	969.82	880.98
Revenue Growth (YoY)	7.56%	4.02%	10.33%	10.56%	10.08%	-13.21%
Salaries & Employee Benefits	241.45	240.92	217.61	199.25	162.33	156.97
Cost of Services Provided	336.64	342.48	323.26	302.28	267.24	232.36
Other Operating Expenses	80.17	78.9	71.71	63.12	64.18	65.25
Total Operating Expenses	763.62	768.12	713.02	647.48	577.86	535.9
Operating Income	495.32	462.47	469.96	424.73	391.96	345.08
Earnings From Equity Investments	-	-	-	-	1.16	2.91
Currency Exchange Gain (Loss)	-0.13	-0.12	-0.07	-0.01	0.89	0.06
EBT Excluding Unusual Items	495.19	462.35	469.89	424.72	394	348.05
Gain (Loss) on Sale of Investments	-	-	-	-	7.91	-
Other Unusual Items	0.04	0.04	0.01	2.5	-	11.42
Pretax Income	509.43	476.82	472.53	449.29	397.97	357.95
Income Tax Expense	82.88	76.34	80.26	75.68	55.38	56.37
Net Income	426.55	400.48	392.27	373.61	342.59	301.58
Net Income to Common	426.55	400.48	392.27	373.61	342.59	301.58
Net Income Growth	12.68%	2.09%	4.99%	9.05%	13.60%	-18.51%
Shares Outstanding (Basic)	419	419	419	419	419	419
Shares Outstanding (Diluted)	419	419	419	419	419	419
EPS (Basic)	1.02	0.96	0.94	0.89	0.82	0.72
EPS (Diluted)	1.02	0.96	0.94	0.89	0.82	0.72
EPS Growth	12.69%	2.09%	4.99%	9.05%	13.60%	-18.51%
Free Cash Flow	352.76	121.07	-727.94	-1,073	43.46	1,055
Free Cash Flow Per Share	0.84	0.29	-1.74	-2.56	0.10	2.52
Dividend Per Share	0.490	0.490	0.480	0.440	0.440	0.400
Dividend Growth	2.08%	2.08%	9.09%	-	10.00%	-9.09%
Operating Margin	39.34%	37.58%	39.73%	39.61%	40.41%	39.17%
Profit Margin	33.88%	32.54%	33.16%	34.84%	35.33%	34.23%
Free Cash Flow Margin	28.02%	9.84%	-61.53%	-100.05%	4.48%	119.79%
Effective Tax Rate	16.27%	16.01%	16.98%	16.84%	13.92%	15.75%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.