AEONCR AEON CREDIT SERVICE (M) BERHAD
AEONCR scores 56/100 on fundamentals: in the top 38% of 1120 scored Bursa Malaysia stocks. Its strongest area is Business Strength (70/100); its weakest is Cash & Dividends (25/100). It carries 1 warning flag: Low-Price Yield.
- Carries a Low-Price Yield flag
Nearby peers
Ranks #27 of 38 in Financial Services by score
One-Minute Summary
Why AEONCR scores 56
An inexpensively priced stock, but cash & dividends needs attention.
After Jun '26 results: 50 → 51+1· Current Ratio Weak → OkaySee all movers →
Business Strength
70Why 70?
Show 3 charts
Net Profit & Equity, with ROE
Revenue & Net Profit, with Net Margin
Sales grew about 31.7% over 4 years: customers keep spending more with this company.
Profit has moved sideways: stable, but not compounding your money faster each year.
Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)
Sales grew about 19.6% over the last 8 quarters: customers keep spending more with this company.
Profit grew about 33.7% over the last 8 quarters: the business is keeping more of what it earns.
Financial Safety
50Why 50?
Show 2 charts
Debt vs Equity, with D/E ratio
Borrowings grew about 30.8% over 4 years: watch this; rising debt adds pressure in bad times.
Short-term assets vs bills, with Current Ratio
Cash & DividendsLowest pillar
25Why 25?
Show 3 charts
Operating vs Free Cash Flow
Cash flow has been weak or negative recently: the business is burning cash, not building it.
Cash vs Total Debt
Dividends per Share, with Yield
Dividends per share have been maintained or raised: management shares the rewards with you.
Price Fairness
67Why 67?
Show chart
Score vs Share Price
The share price has been roughly flat over the past year.
What happened, and how the price moved
After the last 3 results shown, the price beat the KLCI in the week of the news 1 times.
- 29 Sep 2026AEONCR Reports FY27Q2 Attributable Profit of RM59.3 Million, Down 17.9% YoY · Moomoo +3 moreScore 51 → 56Week▼10.0%KLCI −2.4%Monthtoo recent
- 28 Sep 2026AEON Credit Service (Asia) Declares HKD 0.28 Interim Dividend for First Half of 2026 · TipRanks +1 moreWeek▼10.0%KLCI −2.4%Monthtoo recent
- 7 Sep 2026AEON Credit Service's Net Profit Higher At RM95.16 Mln In 1QFY2027 · BernamaBiz +1 moreScore 50 → 51Week▼2.5%KLCI −1.3%Month▼12.1%KLCI −4.5%
- 1 Jul 2026AEONCR To Go Ex-Dividend On July 1st, 2026 With 0.1575 MYR Dividend Per Share And 0.02 MYR Special Dividend Per Share · MoomooWeek▼0.2%KLCI +0.7%Month▲0.8%KLCI +2.0%
- 1 Jul 2026Ex-dividend 17.8 sen a share3.3% yield at that priceWeek▼0.2%KLCI +0.7%Month▲0.8%KLCI +2.0%
- 7 Apr 2026Aeon Credit Service records higher earnings of RM385.88mil in FY26 · The StarWeek▲6.7%KLCI −0.2%Month▲9.7%KLCI +1.6%
Risk
70Why 70?
Get an email when AEONCR's score changes, and why
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AEONCR (5139.KL) scores 56/100 (Okay) on Score Your Stock's educational fundamentals model: in the top 38% of 1120 scored Bursa Malaysia stocks.
Its strongest pillar is Business Strength (70/100); its weakest is Cash & Dividends (25/100).
AEONCR ranks #27 of 38 scored Financial Services stocks on Score Your Stock.
Yes. AEONCR (5139.KL) has a dividend yield of 5.8%, from dividends with an ex-date in the last 12 months. It pays out 39% of its profit as dividends. Its Cash & Dividends pillar scores 25/100.
Open a trading account and a CDS account with any Bursa Malaysia broker, then place a buy order for 5139.KL in lots of 100 shares. Broker fees for the same trade differ a lot between brokers: compare them for your trade size at https://scoreyourstock.com/tools/brokerage-fee-calculator.
The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk (for banks, Financial Safety checks impaired loans, loan loss coverage and the CET1 capital ratio instead of debt and liquidity). Full methodology, the default weights, and how to set your own: https://scoreyourstock.com/how. This is an educational tool, not investment advice.
Consumer lender behind AEON credit cards, motorcycle and car financing, personal loans and AEON Bank. On Score Your Stock's fundamentals check, it scores 56/100, rated Okay. Its biggest strength is Business Strength (70/100); its main watch-out is Cash & Dividends (25/100). Shares currently cost about 6 years of its current profit to buy (P/E 6.2×). It also pays back about 5.8% of the share price as dividends each year. Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/klse/5139-aeoncr
Full Financial History
Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.
| Financial Year | Revenue | Net Profit | Operating Cash Flow | Free Cash Flow | CapEx | Cash | Total Debt | Short-Term Debt | Equity | Current Assets | Current Liabilities | Total Assets | Total Liabilities | Dividends | Return on Equity (ROE) | Net Profit Margin | Debt-to-Equity | Current Ratio | Interest Coverage | Dividend Payout Ratio | Div yield | P/E Ratio | P/B Ratio | PEG Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2027 | RM 2.5b | RM 403.5m | RM -407.3m | RM -453.1m | RM -45.8m | RM 490.9m | RM 12.4b | RM 3.2b | RM 3.2b | RM 5.2b | RM 4.2b | RM 16.5b | RM 13.3b | - | 13% | 16% | 3.9× | 1.2× | 268.1× | - | - | - | - | - |
| 2026 | RM 2.5b | RM 385.9m | RM -532.7m | RM -582.0m | RM -49.4m | RM 334.1m | RM 12.0b | RM 3.9b | RM 3.1b | RM 5.0b | RM 5.0b | RM 16.1b | RM 13.0b | - | 13% | 16% | 3.9× | 1.0× | 239.8× | 36% | 3% | 7.2× | 0.9× | - |
| 2025 | RM 2.2b | RM 370.6m | RM -897.3m | RM -968.9m | RM -71.6m | RM 57.2m | RM 10.8b | RM 4.0b | RM 2.8b | RM 4.4b | RM 4.7b | RM 14.3b | RM 11.5b | RM 27.5m | 13% | 17% | 3.8× | 0.9× | 265.3× | 39% | 5% | 7.2× | 0.9× | - |
| 2024 | RM 1.9b | RM 424.0m | RM -654.2m | RM -686.0m | RM -31.8m | RM 91.6m | RM 9.5b | RM 2.8b | RM 2.6b | RM 4.1b | RM 3.4b | RM 12.6b | RM 10.0b | RM 28.3m | 16% | 22% | 3.6× | 1.2× | 361.7× | 30% | 5% | 6.7× | 1.1× | 4.4 |