Aeon Credit Service Asia Co Ltd (0900) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Aeon Credit Service Asia Co Ltd HK$10.16, price HK$9.12, upside +11.4%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range HK$3.33 – HK$9.18 · fair‑value band HK$7.60 – HK$14.80 · the HK$9.12 price screens below the HK$10.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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AEON Credit Service (Asia) Company Limited, together with its subsidiaries, provides consumer finance products and services in Hong Kong and the People's Republic of China. It operates through three segments: Credit Cards, Personal Loans, and Insurance Intermediary Services.
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AEON Credit Service (Asia) Company Limited, together with its subsidiaries, provides consumer finance products and services in Hong Kong and the People's Republic of China. It operates through three segments: Credit Cards, Personal Loans, and Insurance Intermediary Services. The Credit Card segment offers credit card services to individuals and acquiring services for member stores. Its Personal Loans segment provides personal loan financing services to individuals. The Insurance Intermediary Services segment offers insurance agency and brokerage services. The company also provides card payment processing, insurance intermediary, and microfinance services. In addition, it offers life protection, saving, medical and critical illness, accident, travel, home, motor, and corporate insurance; e-statement services; and digital services. The company was founded in 1987 and is headquartered in Tsim Sha Tsui, Hong Kong. AEON Credit Service (Asia) Company Limited operates as a subsidiary of AEON Financial Service (Hong Kong) Co., Limited.
Stock analysis
Aeon Credit Service Asia Co Ltd (0900) currently trades at HK$9.12, while our model-based Fair Value estimate is HK$10.16, implying the stock looks roughly 10.2% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of HK$14.53 per share, and 6 of the 11 models we run sit above the HK$9.12 price.
Bear case: the Growth DCF group reads lowest at HK$3.07, and 5 of the 11 models stay below the price. Evidence for this calculation is high.
Scenario range: HK$7.60 (bear) to HK$14.80 (bull), the price of HK$9.12 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Aeon Credit Service Asia Co Ltd reported revenue of HK$1.8B in FY2026 versus HK$1.1B in FY2022, a compound +14.5%/yr. Reported net income was HK$468M in FY2026, compounding +8.1%/yr from FY2022.
Key figures
Market cap HK$3.8B (≈ $487M) · P/E ratio 7.6 · P/S ratio 1.92 · EPS (TTM) HK$1.18 · Dividend yield 6.4% · Net margin 25.4% · Return on equity 11.0% · Return on assets (EBIT) 9.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 11%, 0900 screens cheaper than that median.
Fair Value models
Bear HK$7.60Fair Value HK$10.16Bull HK$14.80
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (HK$0.3563 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.4%
Dividend (yield on the price)6.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.4% vs 5.2%, steady
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.34% → 36%
Start year 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+39.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Hong Kong: IMF forecast 2.1% a year to 2030, 1.8% from 2016 to 2025) that is about +36.6% a year for the price.
Compare Aeon Credit Service Asia Co Ltd with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 333 stocks
Beats the industry median on 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside+11.4% · Above median
Profitability
Return on equity (TTM)11.0% · Above median
Return on assets6.1% · Top 25%
Net margin (TTM)36.1% · Above median
Operating margin (TTM)45.6% · Above median
Growth and dividend
Revenue growth13.3% · Above median
Dividend yield (TTM)6.4% · Top 25%
Balance sheet
Debt / equity0.21× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Aeon Credit Service Asia Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/0900
Frequently asked questions
Is Aeon Credit Service Asia Co Ltd (0900) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$10.16 versus a price of HK$9.12, about +11% upside (undervalued).
What is the fair value of 0900?
Our model-based fair value for Aeon Credit Service Asia Co Ltd is HK$10.16 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$9.12.
What is the quality score of 0900?
Aeon Credit Service Asia Co Ltd has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Aeon Credit Service Asia Co Ltd (0900)?
Our model-based price target is the fair value of HK$10.16 (as of Sep 27, 2026) from 11 valuation models. Cautious scenario HK$7.60, optimistic scenario HK$14.80. It is a calculation from audited fundamentals, not an analyst target.
What is the Aeon Credit Service Asia Co Ltd stock forecast for 2026?
Our models put fair value at HK$10.16, about +11% upside versus a price of HK$9.12 (undervalued). Cautious scenario HK$7.60, optimistic scenario HK$14.80. The calculation is refreshed regularly with new filings.
What is the revenue of Aeon Credit Service Asia Co Ltd (0900)?
Aeon Credit Service Asia Co Ltd reported trailing-twelve-month revenue of about HK$1.4B (latest available figure, as of Sep 27, 2026).
Does Aeon Credit Service Asia Co Ltd pay a dividend?
Aeon Credit Service Asia Co Ltd currently shows a dividend yield of about 6.36% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Aeon Credit Service Asia Co Ltd (0900)?
For today's price to be fair in a discounted-cash-flow model, Aeon Credit Service Asia Co Ltd would have to grow free cash flow by +39.5 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.0 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 0900 use?
Our models discount Aeon Credit Service Asia Co Ltd at 10.3 %: a base by market capitalisation (small), damped by beta 0.15, country premium for Hong Kong. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Aeon Credit Service Asia Co Ltd that is +39.5 % per year a year over ten years, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has Aeon Credit Service Asia Co Ltd (0900) delivered so far?
Over the past 5 years revenue at Aeon Credit Service Asia Co Ltd grew +11.0 % a year. The price currently implies +39.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Aeon Credit Service Asia Co Ltd (0900) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Aeon Credit Service Asia Co Ltd (+39.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Aeon Credit Service Asia Co Ltd (0900)?
The free-cash-flow yield on the price is 1.72 %: that much free cash flow Aeon Credit Service Asia Co Ltd produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Aeon Credit Service Asia Co Ltd (0900)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Aeon Credit Service Asia Co Ltd it is HK$10.16 per share (as of Sep 27, 2026), against a price of HK$9.12. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Aeon Credit Service Asia Co Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 0900 trades below its calculated fair value: price HK$9.12, fair value HK$10.16, a gap of about +11% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0900?
No. The price is what the market pays today (HK$9.12); the fair value is what the company's own numbers justify (HK$10.16). For Aeon Credit Service Asia Co Ltd the two are HK$1.04 per share apart. That gap is exactly why we show both numbers side by side.
How much is Aeon Credit Service Asia Co Ltd worth?
The market values Aeon Credit Service Asia Co Ltd at about HK$3.8B (market capitalisation, as of Sep 27, 2026). Per share that is HK$9.12; our models calculate a fair value of HK$10.16 per share.
What do the bullish and bearish scenarios say about 0900?
Our models span a range for Aeon Credit Service Asia Co Ltd: cautious scenario HK$7.60, base HK$10.16, optimistic HK$14.80 per share (as of Sep 27, 2026, price HK$9.12). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0900?
Aeon Credit Service Asia Co Ltd trades at a price-to-earnings ratio of 7.6 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$10.16 is built from several models across several years. Other multiples: PEG 2.6, P/B 0.9, P/S 2.8, EV/EBITDA 5.8.
What is the PEG ratio of 0900?
The PEG ratio of Aeon Credit Service Asia Co Ltd is 2.64 (P/E divided by earnings growth, as of Sep 27, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Aeon Credit Service Asia Co Ltd (0900)?
Balance-sheet figures for Aeon Credit Service Asia Co Ltd (as of Sep 27, 2026): return on equity 11.0%, debt of 0.21 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 0900 from its 52-week high?
Aeon Credit Service Asia Co Ltd trades at HK$9.12, about 1% below its 52-week high of HK$9.18 and 28% above the low of HK$7.10 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$10.16 is for.
Which stocks are comparable to Aeon Credit Service Asia Co Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Aeon Credit Service Asia Co Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$9.12, calculated fair value HK$10.16 (+11%), Quality Score 60/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0900 calculated?
We run Aeon Credit Service Asia Co Ltd through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of HK$10.16, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. Aeon Credit Service Asia Co Ltd currently trades 10 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Aeon Credit Service Asia Co Ltd (0900)?
The closing price on Sep 30, 2026 was HK$9.12. Our model-based fair value is HK$10.16, about +11% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Aeon Credit Service Asia Co Ltd right now?
A fairly wide model range (HK$7.60 to HK$14.80) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Aeon Credit Service Asia Co Ltd (0900) come from?
Earnings per share at Aeon Credit Service Asia Co Ltd grew +4.7 % a year from 2015 to 2026. Broken into its drivers: revenue per share +3.5 %, EBIT margin +3.3 %, tax rate +0.3 %, residual (interest, one-offs) −2.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Aeon Credit Service Asia Co Ltd
How large is the market capitalisation of Aeon Credit Service Asia Co Ltd (0900)?
The market capitalisation of Aeon Credit Service Asia Co Ltd is HK$3.8B (≈ $487M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Aeon Credit Service Asia Co Ltd (0900)?
The price-to-sales ratio of Aeon Credit Service Asia Co Ltd is 1.92 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Aeon Credit Service Asia Co Ltd (0900)?
Earnings per share at Aeon Credit Service Asia Co Ltd are HK$1.18 (price ÷ EPS = P/E 7.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Aeon Credit Service Asia Co Ltd (0900)?
The dividend yield of Aeon Credit Service Asia Co Ltd is 6.4% (payout 48.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Aeon Credit Service Asia Co Ltd (0900)?
The net margin of Aeon Credit Service Asia Co Ltd is 25.4% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Aeon Credit Service Asia Co Ltd (0900)?
The return on equity (ROE) of Aeon Credit Service Asia Co Ltd is 11.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Aeon Credit Service Asia Co Ltd (0900)?
On an EBIT basis the return on assets of Aeon Credit Service Asia Co Ltd is 9.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Aeon Credit Service Asia Co Ltd (0900)?
The operating margin of Aeon Credit Service Asia Co Ltd is 45.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Aeon Credit Service Asia Co Ltd (0900)?
Revenue at Aeon Credit Service Asia Co Ltd is growing +13.3% versus a year earlier (3y avg +14.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Aeon Credit Service Asia Co Ltd (0900)?
Earnings per share at Aeon Credit Service Asia Co Ltd are growing +24.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Aeon Credit Service Asia Co Ltd (0900) carry?
The net debt of Aeon Credit Service Asia Co Ltd is HK$3.2B (fiscal year 2026, ≈ 48.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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