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

HKG:0900 Income Statement

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

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

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