Aeon Credit Service Asia Co Ltd
Aeon Credit Service Asia Co Ltd provides consumer lending services in Asia, primarily generating revenue through interest income and fees from personal loans and credit products.
Business. Aeon Credit Service Asia Co Ltd (0900.HK) is a consumer lending company headquartered in Asia, operating within the Banking & Investment Services sector. The firm generates revenue primarily through fee-income models associated with its banking activities. It is listed on the Hong Kong Stock Exchange under the ticker 0900.HK. Specific details regarding operating segments and geographic revenue mix are not available.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
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Synthesis
Aeon Credit Service Asia Co Ltd (0900.HK) is a consumer lending company headquartered in Asia, operating within the Banking & Investment Services sector. The firm generates revenue primarily through fee-income models associated with its banking activities. It is listed on the Hong Kong Stock Exchange under the ticker 0900.HK. Specific details regarding operating segments and geographic revenue mix are not available.
Aeon Credit Service Asia Co Ltd maintains a conservative capital structure with a debt-to-equity ratio of 0.77, below the median for the Consumer Lending industry. The company's liquidity position is characterized as medium, with a current ratio of 2.24, indicating sufficient short-term assets to cover liabilities. However, the firm's net cash position is negative after subtracting total debt, signaling potential refinancing needs in the near term.
Profitability metrics show a return on equity (ROE) of 10.44% and a return on assets (ROA) of 5.59%, both exceeding the industry median for ROE but slightly below the median for ROA. This suggests that the company is effectively utilizing equity capital but may face challenges in asset efficiency compared to peers.
Geographically, Aeon Credit Service Asia Co Ltd is concentrated in the Asia-Pacific region, with no disclosed revenue breakdown by segment or geography. This lack of diversification could expose the company to regional economic downturns or regulatory shifts, particularly in markets where it has a significant presence.
The company's growth trajectory is modest, with revenue increasing from 1,841,295,000 HKD in the last reported period to 1,731,813,000 HKD in the most recent period. Analysts project a mean revenue estimate of 1,967,000,000 HKD for the upcoming period, indicating a potential year-over-year growth of approximately 12.3%.
Risk factors include medium liquidity risk due to the negative net cash position and the need for ongoing debt management. The firm's dilution risk is assessed as low, with no significant changes in shares outstanding between basic and diluted figures. However, the company's capital expenditure of -22,527,000 HKD suggests a reduction in investment, which may impact long-term growth.
Recent events include consistent earnings performance, with the last actual EPS of 1.12 HKD compared to a mean estimate of 1.30 HKD. Analysts have set a uniform price target of 12.00 HKD, reflecting a consensus view of the company's intrinsic value and growth potential.
- Aeon Credit Service Asia Co Ltd maintains a conservative debt-to-equity ratio of 0.77, indicating a balanced capital structure.
- The company's ROE of 10.44% is above the industry median, suggesting strong equity utilization.
- Revenue growth is projected at 12.3% for the upcoming period, based on analyst estimates.
- The firm's liquidity risk is moderate, with a current ratio of 2.24 but a negative net cash position after debt.
- Analysts have set a uniform price target of 12.00 HKD, reflecting a consensus on the company's valuation.
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| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 1,30 |
| Revenue | —no estimate | —no estimate | 2,0B HKD |
| Operating income | —no estimate | —no estimate | 1,0B HKD |
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- Net cash is negative after subtracting total debt.
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- Aeon Credit Service Asia Co Ltd Market data — financials · 2026-05-26
- Aeon Credit Service Asia Co Ltd Market data — analyst estimates · 2026-05-26