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* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Aeon Credit Service (Asia) Co's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Aeon Credit Service (Asia) Co FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aeon Credit Service (Asia) Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Aeon Credit Service (Asia) Co's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Aeon Credit Service (Asia) Co (HKSE:00900) has a FCF Margin % of 41.46% as of May. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Aeon Credit Service (Asia) Co and its competitors. This is 170% above median its historical median of 15.34. According to the industry distribution chart, Aeon Credit Service (Asia) Co ranks #259 out of 534 companies in the Credit Services industry, placing it in the top 48.5%.
Is Aeon Credit Service (Asia) Co's FCF Margin % too high?
Aeon Credit Service (Asia) Co's current FCF Margin % of 41.46% is 170% above median its 10-year median of 15.34. The Credit Services industry median FCF Margin % is 0.39. Aeon Credit Service (Asia) Co's value of 41.46% is 10668.8% above this industry median. Based on the distribution chart, Aeon Credit Service (Asia) Co ranks #259 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, Aeon Credit Service (Asia) Co has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aeon Credit Service (Asia) Co's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Aeon Credit Service (Asia) Co ranks #259 out of 534 companies for FCF Margin %. This puts Aeon Credit Service (Asia) Co in the upper half of its industry. The industry median FCF Margin % is 0.39. Aeon Credit Service (Asia) Co's value of 41.46% is 10668.8% above this benchmark. While the company's 10-year median is 15.34 vs. the industry median of 0.39, Aeon Credit Service (Asia) Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.39, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aeon Credit Service (Asia) Co's current FCF Margin % of 41.46% is 10668.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Aeon Credit Service (Asia) Co and its competitors. For the Credit Services industry, the median FCF Margin % is 0.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aeon Credit Service (Asia) Co's current FCF Margin % is 41.46%, which is 170% above median its own 10-year median of 15.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aeon Credit Service (Asia) Co stock overvalued right now?
Based on GuruFocus' analysis, Aeon Credit Service (Asia) Co (HKSE:00900) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$7.87, compared to a current price of HK$8.76 — trading 11.3% above its estimated fair value. The current FCF Margin % is 41.46%, which is 170% above median its 10-year median of 15.34 and 10668.8% above the Credit Services industry median of 0.39. Aeon Credit Service (Asia) Co's overall GF Score™ is 77/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Aeon Credit Service (Asia) Co (HKSE:00900), the current FCF Margin % is 41.46% as of May. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Aeon Credit Service (Asia) Co (HKSE:00900) Overvalued in 2026?
Based on GuruFocus' analysis, Aeon Credit Service (Asia) Co stock appears to be overvalued.
The current stock price of HK$8.76 is trading 11.3% above its estimated GF Value™ of HK$7.87.
GuruFocus considers Aeon Credit Service (Asia) Co to be Modestly Overvalued.
Key valuation signals for HKSE:00900:
FCF Margin %: 41.46% (170% above median its 10-year median of 15.34)
GF Value™: HK$7.87 vs. price of HK$8.76 (11.3% above fair value)
Industry Position: 10668.8% above the Credit Services median (#259 of 534)
No single metric tells the full story. See the HKSE:00900 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aeon Credit Service (Asia) Co Business Description
Aeon Credit Service (Asia) Co Ltd is engaged in the consumer finance business, which includes the issuance of credit cards and the provision of personal loan financing, card payment processing services, insurance intermediary business and microfinance business. The Group is principally engaged in the provision of financial services, which includes the issuance of credit cards and the provision of personal loan financing, payment processing services, insurance intermediary business, and microfinance business. The Group operates across three primary segments: credit cards, personal loans, and insurance intermediary services. The company generates majority of revenue from Credit cards. The company has presence in Hong Kong, Chinese Mainland.
77GF Score
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