AEON Credit Service (Asia) Company Limited (HKG:0900)
Hong Kong flag Hong Kong · Delayed Price · Currency is HKD
8.76
-0.09 (-1.02%)
Jul 30, 2026, 3:10 PM HKT

HKG:0900 Financials Overview

Millions HKD. Fiscal year is Mar - Feb.

Revenue & Profits

Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingMay '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Revenue
1,3701,3281,2311,1831,072969.82
Revenue Growth
8.82%7.90%4.02%10.33%10.56%10.08%
Operating Income
590.46558.94462.47469.96424.73391.96
Net Income
494.85468.2400.48392.27373.61342.59
Earnings Per Share
1.181.120.960.940.890.82
EPS Growth
16.00%16.91%2.09%4.99%9.05%13.60%

Revenue by Segment

Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingMay '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Personal Loans
342.67337.63350.4313.3241.71188.97
Insurance
35.0134.0431.1126.2626.5427.65
Credit Cards
1,4821,4541,3781,284963.38832.97
Total
1,8591,8251,7591,6231,2321,050

Cash & Debt

Fiscal YearCurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingMay '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Cash & Investments
197.93238.3226.51271.66388.39588.96
Total Debt
3,3303,5113,2993,1822,1991,169
Net Cash (Debt)
-3,132-3,273-3,072-2,910-1,810-580.07
Net Cash Growth
------
Net Cash Per Share
-7.48-7.82-7.34-6.95-4.32-1.39

Cash Flow & CapEx

Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingMay '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Operating Cash Flow
54.2485.86156.98-637.4-1,01674.39
Capital Expenditures
-17.95-20.83-35.92-90.54-56.93-30.94
Free Cash Flow
36.2965.03121.07-727.94-1,07343.46
Free Cash Flow Growth
-89.71%-46.29%----95.88%

Margins

Fiscal YearTTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingMay '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Operating Margin
43.10%42.10%37.58%39.73%39.61%40.41%
Pretax Margin
43.31%42.31%38.75%39.94%41.90%41.04%
Profit Margin
36.12%35.26%32.54%33.16%34.84%35.33%
FCF Margin
2.65%4.90%9.84%-61.53%-100.05%4.48%

Dividends

Fiscal YearCurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJul '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Dividend Per Share
0.6600.5800.4900.4800.4400.440
Dividend Per Share Growth
18.37%18.37%2.08%9.09%0%10.00%
Dividend Yield
7.46%7.73%9.13%10.63%11.60%12.52%

Valuation

Fiscal YearCurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJul '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
PE Ratio
7.496.986.245.825.586.16
Forward PE
5.986.154.545.56--
P/FCF Ratio
102.1250.2320.65--48.57
PS Ratio
2.712.462.031.931.952.18