AEON Credit Service (Asia) Company Limited (HKG:0900)
Hong Kong flag Hong Kong · Delayed Price · Currency is HKD
8.62
-0.10 (-1.15%)
Oct 22, 2026, 3:59 PM HKT

HKG:0900 Financials Overview

Millions HKD. Fiscal year is Mar - Feb.

Revenue & Profits

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Revenue
1,3881,3281,2311,1831,072969.82
Revenue Growth
6.59%7.90%4.02%10.33%10.56%10.08%
Operating Income
589.32558.94462.47469.96424.73391.96
Net Income
493.42468.2400.48392.27373.61342.59
Earnings Per Share
1.181.120.960.940.890.82
EPS Growth
6.40%16.91%2.09%4.99%9.05%13.60%

Revenue by Segment

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Personal Loans
344.44337.63350.4313.3241.71188.97
Credit Cards
1,5081,4541,3781,284963.38832.97
Insurance
36.6334.0431.1126.2626.5427.65
Total
1,8901,8251,7591,6231,2321,050

Cash & Debt

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Cash & Investments
242.13238.3226.51271.66388.39588.96
Total Debt
3,3903,5113,2993,1822,1991,169
Net Cash (Debt)
-3,148-3,273-3,072-2,910-1,810-580.07
Net Cash Growth
------
Net Cash Per Share
-7.52-7.82-7.34-6.95-4.32-1.39

Cash Flow & CapEx

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Operating Cash Flow
242.9685.86156.98-637.4-1,01674.39
Capital Expenditures
-18.5-20.83-35.92-90.54-56.93-30.94
Free Cash Flow
224.4665.03121.07-727.94-1,07343.46
Free Cash Flow Growth
-27.10%-46.29%----95.88%

Margins

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Operating Margin
42.46%42.10%37.58%39.73%39.61%40.41%
Pretax Margin
42.69%42.31%38.75%39.94%41.90%41.04%
Profit Margin
35.55%35.26%32.54%33.16%34.84%35.33%
FCF Margin
16.17%4.90%9.84%-61.53%-100.05%4.48%

Dividends

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '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
22.00%18.37%2.08%9.09%0%10.00%
Dividend Yield
7.66%7.44%8.21%8.81%8.83%8.73%

Valuation

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
PE Ratio
7.326.986.245.825.586.16
Forward PE
5.826.154.545.56--
P/FCF Ratio
16.0750.2320.65--48.57
PS Ratio
2.602.462.031.931.952.18