GOOD PROFIT
AEONCR 5139 Share Price
RM5.74
klse: AEON Credit Service (M) Berhad
Stock Information
Board : Main
Shariah : Non-Shariah Compliant
Sector : Personal Financing Digital Bank
Address: Level 18, UOA Corporate Tower Avenue 10, The Vertical Bangsar South City No. 8, Jalan Kerinchi, 59200 Kuala Lumpur
Contact: +603-27729000
Website: https://www.aeoncredit.com.my/
Stock Background
AEON Credit Service (M) Berhad provides consumer financing products. The Company offers products such as easy payment, personal financing, and credit cards.
Profit Analysis: AEONCR 5139
|
Result
Quarter Report History
| Date | Revenue,k | PBT,k | Net Profit,k |
|---|---|---|---|
| 09/07/26 | 647,568 | 130,879 | 95,163 |
| 07/04/26 | 631,456 | 199,949 | 144,296 |
| 18/12/25 | 622,407 | 125,425 | 91,808 |
| 29/09/25 | 617,883 | 103,047 | 72,230 |
| 08/07/25 | 599,922 | 109,031 | 77,547 |
| 08/04/25 | 575,040 | 179,696 | 130,967 |
| 19/12/24 | 561,995 | 87,850 | 62,073 |
| 26/09/24 | 541,429 | 101,136 | 71,158 |
| 10/07/24 | 522,259 | 144,825 | 106,413 |
| 08/04/24 | 501,574 | 162,595 | 118,920 |
| 21/12/23 | 486,513 | 111,434 | 85,546 |
| 26/09/23 | 471,730 | 159,231 | 120,189 |
Fundamental
Fundamental Analysis
| Last 4 Quarter Revenue (RM’000) | 15 |
|---|---|
| Last 4 Quarter Net Profit (RM’000) | -6,006 |
| Last 4 Quarter EPS (sen) | -0.82 |
| Last 4 Quarter PER | 0 |
| Last 4 Quarter Dividend (sen) | – |
| Last 4 Quarter Dividend Yield (%) | 0.00 |
| Net Tangible Assets (RM) | 2642.00 |
| Goodwill (RM) | 0 |
| Cash (RM’000) | 2,120 |
| Debt (RM’000) | 20,670 |
| Total Debt (RM’000) | 94,770 |
| Net Assets (RM’000) | 172,200 |
| Current Ratio | 1.06 |
| Quick Ratio | 0.83 |
| Cash Ratio | 0.73 |
Technical
Technical Analysis
| MACD (26 vs 12) | -0.001 |
|---|---|
| Exponential Moving Average 5 | 0.11 |
| Exponential Moving Average 20 | 0.112 |
| Exponential Moving Average 90 | 0.114 |
| Relative Strength Index 14 | 0.50 |
| Stochastic %D 3 | 0.33 |
| Stochastic %K 14 | 1.00 |
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Stock Profit Analysis
-
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Salary Proof
BURSA MALAYSIA –
The Group’s profit before tax (“PBT”) rose to RM546.98 million (FYE2022: RM526.82 million) while profit after tax (“PAT”) recorded a new high of RM417.69 million in FYE2023, up 14.3% from RM365.42 million a year ago, translating to an earnings per share (“EPS”) of 159.62 sen (FYE2022: 139.17 sen). Moving Forward, the group targeted the overall project which comprises e-signature and straight through process to go live by the fourth quarter of FYE2024. This initiative will reduce end-to-end application time by 99%, and the Group’s credit assessment operational and manpower cost up to 50%.
BURSA MALAYSIA –
PBT for the current quarter was increased by 1.5% to RM101.583 million from RM100.047 million recorded in the immediate preceding quarter. The higher PBT was mainly due to lower impairment losses of RM143.406 million recorded in the current quarter as compared to RM149.949 million for the immediate preceding quarter.
BURSA MALAYSIA –
PBT for the current quarter was recorded at RM100.047 million, a decrease of 53.6% compared to RM215.535 million recorded in the immediate preceding quarter. The lower PBT was mainly due to higher impairment losses of RM149.949 million recorded in the current quarter as compared to RM37.279 million for the immediate preceding quarter.
BURSA MALAYSIA –
PBT for the current quarter was recorded at RM215.535 million, an increase of 381.2% as compared to RM44.789 million recorded in the immediate preceding quarter. The higher PBT was mainly contributed by the incrementally higher revenue coupled with the lower impairment losses of RM37.279 million recorded in the current quarter as compared to RM154.676 million for the immediate preceding quarter as the previous quarter’s productivity performance was impacted by the increased COVID-19 infections from the highly contagious Omicron variant amongst the staffs and the general public.
BURSA MALAYSIA –
The Group recorded a profit after tax (“PAT”) of RM365.42 million for FYE2022 compared to RM233.96 million in the previous financial year. This was mainly attributable to the higher transaction and financing volume as well as the reduction in allowance for impairment loss on financing receivables of RM205.14 million as a result of improved collection performance. Our aim is to enter an era of digitalisation with the introduction of several key products that will push AEON Credit into a new future of retail financing
BURSA MALAYSIA –
PBT for the current quarter was recorded at RM44.789 million, a decrease of 72.7% as compared to RM164.028 million recorded in the immediate preceding quarter. The lower PBT was mainly due to higher impairment losses of RM154.676 million recorded in the current quarter as compared to RM33.090 million for the immediate preceding quarter
BURSA MALAYSIA –
PBT for the current quarter was recorded at RM164.028 million, an increase of 60.6% as compared to RM102.145 million recorded in the immediate preceding quarter. The higher PBT was mainly due to lower impairment losses of RM33.090 million recorded in the current quarter as compared to RM92.226 million for the immediate preceding quarter.
BURSA MALAYSIA –
PBT for the current quarter was recorded at RM102.145 million, a decrease of 52.7% compared to RM215.858 million recorded in the immediate preceding quarter. The lower PBT was mainly due to revenue contraction and lower other income resulting from the FMCO, EMCO and NRP imposed by Malaysian Government which had impeded the business operations of the Company and its merchants nationwide. In addition, the lower PBT was due to higher impairment losses of RM92.226 million recorded in the current quarter as compared to RM23.253 for the immediate preceding quarter.
BURSA MALAYSIA –
PBT for the current quarter was recorded at RM153.630 million, an increase of 166.2% compared to RM57.705 million recorded in the immediate preceding quarter. The higher PBT was mainly due to lower impairment losses of RM65.133 million recorded in the current quarter as compared to RM156.909 million for the immediate preceding quarter and supported by higher bad debts recovered included in other income of RM41.482 million compared to RM33.891 million recorded in the immediate preceding quarter.
The Star –
AEON Credit Service (M) Bhd has started to roll out the CTOS e-Know Your Customer (eKYC) solution to its customers comprising 12,000 merchants and business partners. In a statement, CTOS Data Systems Sdn Bhd said the move was expected to fast-track the overall use of eKYC solutions in the Malaysian marketplace and contribute to the further digitisation of the economy. CTOS eKYC, by Malaysia’s largest credit reporting agency, is a digital identity verification system that helps businesses to verify the identity of customers remotely.
BURSA MALAYSIA –
Profit before tax (“PBT”) for the current quarter was recorded at RM37.086 million. The decrease was mainly due to revenue contraction and lower other income resulting from the Movement Control Order (“MCO”) imposed by the Malaysian Government since 18 March 2020 which had caused major disruptions to the Company’s operations nationwide. In addition, the lower PBT was due to higher impairment losses of RM174.37 million recorded for the quarter ended 31 May 2020 as compared to RM87.813 million for the immediate preceding quarter.
REMUNERATION STUDY –
In Financial Year End 2019, the directors’ remuneration was 3.29 million. It was slightly high compared to average in listed companies, considering the employees’ remuneration of 6.5 million and auditor’s remuneration of 190 thousands
BURSA MALAYSIA –
Profit before tax for the current quarter recorded at RM118.032 million. The increase was mainly due to lower impairment losses of RM87.813 million recorded for the quarter ended 29 February 2020 as compared to RM114.470 million for the immediate preceding quarter
INVESTING MALAYSIA –
AEONCR (17 DEC 19) Aeon Credit Service (M) Bhd is establishing a RM2 billion sukuk programme to fund disbursements to customers and refinancing of any existing loans/financing/sukuk.
Investing Malaysia –
Average investing volume for AEON Credit Service (M) Bhd in the past three months in stock market was 160.1k lots
Investing Malaysia –
AEONCR gets a score of 15.19 in our equity and assets quality test based on current share price of RM13.9
Investing Malaysia –
AEON Credit Service (M) Bhd gets a score of 23.11 in our stability test after the balance sheet, money statement study
Investing Malaysia –
Stock code of 5139 in Bursa Malaysia declared adjusted 3.25% dividend yield in past few years
Investing Malaysia –
AEONCR is estimated to have a profit consensus of 326.95 millions, with an adjusted market capitalization of 3483.16 millions
REMUNERATION STUDY –
In Financial Year End 2018, the directors’ remuneration was 3.78 million. It was high compared to average in listed companies, considering the employees’ remuneration of 5.9 million and auditor’s remuneration of 173 thousands