Aeon Credit Service (Asia) Co (HKSE:00900) Moat Score: 0/10 (As of Aug. 19, 2026)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HKSE:00900 Aeon Credit Service (Asia) Co Ltd HKSE:00900
77 GF Score
Price HK$8.97
GF Value HK$7.95
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Aeon Credit Service (Asia) Co Moat Score?

Aeon Credit Service (Asia) Co has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Aeon Credit Service (Asia) Co has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Aeon Credit Service (Asia) Co might have No Moat - No discernible moat.

Aeon Credit Service (Asia) Co  (HKSE:00900) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Aeon Credit Service (Asia) Co Moat Score Related Terms

HKSE:00900
77GF Score
Aeon Credit Service (Asia) Co Ltd HKSE:00900
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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$8.97 is trading 12.8% above its estimated GF Value™ of HK$7.95. GuruFocus considers Aeon Credit Service (Asia) Co to be Modestly Overvalued.

Key valuation signals for HKSE:00900:

  • Moat Score: 0
  • GF Value™: HK$7.95 vs. price of HK$8.97 (12.8% 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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$8.97
Price
HK$7.95
GF Value