Aeon Credit Service (Asia) Co (HKSE:00900) LT-Debt-to-Total-Asset: 0.40 (As of May. 2026)

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HKSE:00900 Aeon Credit Service (Asia) Co Ltd HKSE:00900
77 GF Score
Price HK$9.06
GF Value HK$7.97
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Aeon Credit Service (Asia) Co LT-Debt-to-Total-Asset?

Aeon Credit Service (Asia) Co HKSE:00900 -0.39% 77 LT-Debt-to-Total-Asset is 0.40 as of May. 2026. GuruFocus rates HKSE:00900 with a GF Score™ of 77/100 and a GF Value™ of HK$7.97 (Modestly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Aeon Credit Service (Asia) Co's long-term debt to total assests ratio for the quarter that ended in May. 2026 was 0.40.

Aeon Credit Service (Asia) Co's long-term debt to total assets ratio declined from May. 2025 (0.40) to May. 2026 (0.40). It may suggest that Aeon Credit Service (Asia) Co is progressively becoming less dependent on debt to grow their business.

Aeon Credit Service (Asia) Co  (HKSE:00900) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Aeon Credit Service (Asia) Co LT-Debt-to-Total-Asset Related Terms

Aeon Credit Service (Asia) Co LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Aeon Credit Service (Asia) Co's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

Aeon Credit Service (Asia) Co Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.22 0.33 0.41 0.42 0.41

Aeon Credit Service (Asia) Co Quarterly Data
Feb20 Aug20 Feb21 Aug21 Feb22 Aug22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.40 0.40 0.41 0.41 0.40
HKSE:00900
77GF Score
Aeon Credit Service (Asia) Co Ltd HKSE:00900
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Aeon Credit Service (Asia) Co LT-Debt-to-Total-Asset Calculation

Aeon Credit Service (Asia) Co's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Feb. 2026 is calculated as

LT Debt to Total Assets (A: Feb. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Feb. 2026 )/Total Assets (A: Feb. 2026 )
=3471.383/8382.162
=0.41

Aeon Credit Service (Asia) Co's Long-Term Debt to Total Asset Ratio for the quarter that ended in May. 2026 is calculated as

LT Debt to Total Assets (Q: May. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: May. 2026 )/Total Assets (Q: May. 2026 )
=3322.006/8384.479
=0.40

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.40 mean?
Aeon Credit Service (Asia) Co (HKSE:00900) has a LT-Debt-to-Total-Asset of 0.40 as of May. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Aeon Credit Service (Asia) Co and its competitors.
Is Aeon Credit Service (Asia) Co's LT-Debt-to-Total-Asset too high?
Aeon Credit Service (Asia) Co's current LT-Debt-to-Total-Asset is 0.40. 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 LT-Debt-to-Total-Asset compare to V and MA?
Aeon Credit Service (Asia) Co's LT-Debt-to-Total-Asset of 0.40 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Aeon Credit Service (Asia) Co and its competitors. Aeon Credit Service (Asia) Co's current LT-Debt-to-Total-Asset is 0.40. 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$7.97, compared to a current price of HK$9.06 — trading 13.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.40. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Aeon Credit Service (Asia) Co (HKSE:00900), the current LT-Debt-to-Total-Asset is 0.40 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$9.06 is trading 13.6% above its estimated GF Value™ of HK$7.97. GuruFocus considers Aeon Credit Service (Asia) Co to be Modestly Overvalued.

Key valuation signals for HKSE:00900:

  • LT-Debt-to-Total-Asset: 0.40
  • GF Value™: HK$7.97 vs. price of HK$9.06 (13.6% above fair value)
  • GF Score™: 77/100 with 7 warning signs

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

Address 132 Nathan Road, 20th Floor, Mira Place Tower A, Tsimshatsui, Kowloon, Hong Kong, HKG
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

Get the complete analysis for HKSE:00900

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$9.06
Price
HK$7.97
GF Value