AEON CREDIT SERVICE (M) BERHAD
Last Price: 6.32
TTM Dividend Yield : 4%
Coming Quarter Report: ~ 2025-04-08
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Sector: Banking Services
AEON Credit Service (M) Berhad (AEON Credit) is engaged is the provision of payment schemes, personal financing schemes based on Islamic principles and credit cards business, all of which are categorized under consumer financing business. The Company offers credit cards under the brand names of Visa and MasterCard. The Company offers AEON Credit Cards, such as AEON Express Card, Touch ‘n Go Zing Card, AEON Prepaid MasterCard and Supplementary Card. The Company has approximately five regional offices, over 60 branches and service centers located in shopping centers and towns, and a network of approximately 11,000 participating merchant outlets across the nation. AEON Credit is a subsidiary of AEON Financial Service Co., Ltd. Japan (AFSJ). AFSJ is involved in the issuance of credit cards.
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**Data before 2015 may not be accurate
**Dividend Yield calculated base on the last price of the year
AEONCR Dividend Yield Trend
AEONCR Quarter DY Yield
| Year | Financial Year | DY_Type | Announced | EX Date | Payment Date | DY($) | Yield% |
|---|---|---|---|---|---|---|---|
| 2025 | 28/02/2025 | Interim | 26/09/2024 | 11/10/2024 | 07/11/2024 | 0.1425 | 1.94 |
| 2024 | 29/02/2024 | Final | 08/04/2024 | 04/07/2024 | 25/07/2024 | 0.14 | 1.90 |
| 2024 | 29/02/2024 | Interim | 26/09/2023 | 12/10/2023 | 02/11/2023 | 0.285 | 3.88 |
| 2023 | 28/02/2023 | Final | 11/04/2023 | 04/07/2023 | 20/07/2023 | 0.21 | 2.86 |
| 2023 | 28/02/2023 | Interim | 29/09/2022 | 14/10/2022 | 03/11/2022 | 0.285 | 3.88 |
| 2022 | 28/02/2022 | Final | 05/04/2022 | 06/07/2022 | 21/07/2022 | 0.15 | 2.04 |
| 2022 | 28/02/2022 | Special | 05/04/2022 | 06/07/2022 | 21/07/2022 | 0.05 | 0.68 |
| 2022 | 28/02/2022 | Interim | 28/09/2021 | 13/10/2021 | 03/11/2021 | 0.285 | 3.88 |
| 2021 | 28/02/2021 | Final | 08/04/2021 | 30/06/2021 | 15/07/2021 | 0.2 | 2.72 |
| 2021 | 28/02/2021 | Interim | 29/09/2020 | 14/10/2020 | 05/11/2020 | 0.092 | 1.25 |
| 2020 | 29/02/2020 | Final | 09/04/2020 | 01/07/2020 | 16/07/2020 | 0.14 | 1.90 |
| 2020 | 29/02/2020 | Interim | 26/09/2019 | 17/10/2019 | 07/11/2019 | 0.2225 | 3.03 |
| 2019 | 28/02/2019 | Final | 29/04/2019 | 03/07/2019 | 18/07/2019 | 0.2235 | 3.04 |
| 2019 | 28/02/2019 | Interim | 04/10/2018 | 16/10/2018 | 08/11/2018 | 0.2225 | 3.03 |
| 2018 | 28/02/2018 | Final | 27/04/2018 | 27/06/2018 | 19/07/2018 | 0.2 | 2.72 |
| 2018 | 28/02/2018 | Interim | 05/10/2017 | 17/10/2017 | 07/11/2017 | 0.2113 | 2.87 |
| 2017 | 28/02/2017 | Final | 25/04/2017 | 23/06/2017 | 19/07/2017 | 0.325 | 4.42 |
| 2017 | 28/02/2017 | Interim | 04/10/2016 | 18/10/2016 | 07/11/2016 | 0.305 | 4.15 |
| 2016 | 29/02/2016 | Final | 21/04/2016 | 24/06/2016 | 15/07/2016 | 0.296 | 4.03 |
| 2016 | 29/02/2016 | Interim | 06/10/2015 | 20/10/2015 | 04/11/2015 | 0.2985 | 4.06 |
| 2015 | 28/02/2015 | Final | 20/04/2015 | 29/06/2015 | 15/07/2015 | 0.296 | 4.03 |
| 2015 | 20/02/2015 | Interim | 18/09/2014 | 01/10/2014 | 21/10/2014 | 0.274 | 3.73 |
| 2014 | 20/02/2014 | Final | 16/04/2014 | 30/06/2014 | 16/07/2014 | 0.24 | 3.27 |
| 2014 | 20/02/2014 | Interim | 28/11/2013 | 11/12/2013 | 30/12/2013 | 0.223 | 3.03 |
| 2013 | 20/02/2013 | Final | 18/04/2013 | 28/06/2013 | 16/07/2013 | 0.195 | 2.65 |
| 2013 | 20/02/2013 | Interim | 20/09/2012 | 02/10/2012 | 22/10/2012 | 0.16 | 2.18 |
| 2012 | 20/02/2012 | Final | 19/04/2012 | 26/06/2012 | 13/07/2012 | 0.168 | 2.29 |
| 2012 | 20/02/2012 | Interim | 21/09/2011 | 03/10/2011 | 20/10/2011 | 0.132 | 1.80 |
| 2011 | 20/02/2011 | Final | 19/04/2011 | 24/06/2011 | 13/07/2011 | 0.15 | 2.04 |
| 2011 | 20/02/2011 | Interim | 21/09/2010 | 01/10/2010 | 20/10/2010 | 0.115 | 1.56 |
| 2010 | 20/02/2010 | Final | 19/04/2010 | 25/06/2010 | 13/07/2010 | 0.12 | 1.63 |
| 2010 | 20/02/2010 | Interim | 17/09/2009 | 02/10/2009 | 20/10/2009 | 0.105 | 1.43 |
| 2009 | 20/02/2009 | Final | 17/04/2009 | 26/06/2009 | 14/07/2009 | 0.1134 | 1.54 |
| 2009 | 20/02/2009 | Interim | 25/09/2008 | 10/10/2008 | 24/10/2008 | 0.0876 | 1.19 |
| 2008 | 20/02/2008 | Final | 15/04/2008 | 30/06/2008 | 18/07/2008 | 0.0744 | 1.01 |
| 2008 | 20/02/2008 | Interim | 17/12/2007 | 02/01/2008 | 17/01/2008 | 0.054 | 0.73 |
AEONCR Annual DY Yield
| Year | Annual DY($) | Frequency per yr | SpecialDY | Yield% |
|---|---|---|---|---|
| 2025 | 0.1425 | 1 | No | 1.94 |
| 2024 | 0.425 | 2 | No | 5.78 |
| 2023 | 0.495 | 2 | No | 6.73 |
| 2022 | 0.485 | 3 | Yes | 6.60 |
| 2021 | 0.292 | 2 | No | 3.97 |
| 2020 | 0.3625 | 2 | No | 4.93 |
| 2019 | 0.446 | 2 | No | 6.07 |
| 2018 | 0.4113 | 2 | No | 5.60 |
| 2017 | 0.63 | 2 | No | 8.57 |
| 2016 | 0.5945 | 2 | No | 8.09 |
| 2015 | 0.57 | 2 | No | 7.76 |
| 2014 | 0.463 | 2 | No | 6.30 |
| 2013 | 0.355 | 2 | No | 4.83 |
| 2012 | 0.3 | 2 | No | 4.08 |
| 2011 | 0.265 | 2 | No | 3.61 |
| 2010 | 0.225 | 2 | No | 3.06 |
| 2009 | 0.201 | 2 | No | 2.73 |
| 2008 | 0.1284 | 2 | No | 1.75 |
AEONCR Quarter Report History
| Q Date | Announced | Revenue | P/L | EPS | Margin | QoQ% | YoY% |
|---|---|---|---|---|---|---|---|
| 30/11/2024 | 19/12/2024 | 562,000,000 | 62,100,000.00 | 12.16 | 11.05 | -12.78 | -27.37 |
| 31/08/2024 | 26/09/2024 | 541,400,000 | 71,200,000.00 | 13.94 | 13.15 | -33.08 | -40.77 |
| 31/05/2024 | 10/07/2024 | 522,300,000 | 106,400,000.00 | 20.84 | 20.37 | -10.51 | 7.04 |
| 29/02/2024 | 08/04/2024 | 501,600,000 | 118,900,000.00 | 22.32 | 23.70 | 39.06 | 24.76 |
| 30/11/2023 | 21/12/2023 | 486,500,000 | 85,500,000.00 | 16.75 | 17.57 | -28.87 | 2.27 |
| 31/08/2023 | 26/09/2023 | 471,700,000 | 120,200,000.00 | 45.10 | 25.48 | 20.93 | 58.99 |
| 31/05/2023 | 10/07/2023 | 452,700,000 | 99,400,000.00 | 38.92 | 21.96 | 4.30 | -39.06 |
| 28/02/2023 | 11/04/2023 | 432,700,000 | 95,300,000.00 | 35.34 | 22.02 | 14.00 | 307.26 |
| 30/11/2022 | 21/12/2022 | 417,800,000 | 83,600,000.00 | 32.76 | 20.01 | 10.58 | -19.23 |
| 31/08/2022 | 29/09/2022 | 399,200,000 | 75,600,000.00 | 27.66 | 18.94 | -53.65 | 0.13 |
AEONCR Quarter Profit Trend
AEONCR Annual Profit Trend
Cash Flow
In financial accounting, operating cash flow (OCF), cash flow provided by operations, cash flow from operating activities (CFO) or free cash flow from operations (FCFO), refers to the amount of cash a company generates from the revenues it brings in, excluding costs associated with long – term investment  on capital items or investment in securities.(From Wiki)
AEONCR Annual Cash Flow
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ROE & Payout Ratio
Return on equity (ROE) is a measure of financial performance calculated by dividing net income by shareholders’ equity. Because shareholders’ equity is equal to a company’s assets minus its debt, ROE is considered the return on net assets. ROE is considered a measure of the profitability of a corporation in relation to stockholders’ equity. (From Investopedia)
The payout ratio is a financial metric showing the proportion of earnings a company pays its shareholders in the form of dividends, expressed as a percentage of the company’s total earnings. On some occasions, the payout ratio refers to the dividends paid out as a percentage of a company’s cash flow. The payout ratio is also known as the dividend payout ratio. (From Investopedia)
Aeon Credit Service M Bhd offers credit cards and other loans and financing options to consumers in Malaysia. The company earns more than 80% of its revenue from interest and financing charges on the loans it provides. Fees provide the remaining revenue. Vehicle financing, with a roughly even split between cars and motorcycles, accounts for more than half of the loans the company has outstanding. Remaining loans outstanding are in the personal financing, consumer durables financing, and credit card categories. Aeon Credit issues credit cards under the Visa and Mastercard brand names.