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Aeon Credit Service (Asia) CoHKSE:00900 +0.33%77 Return-on-Tangible-Equity is 12.04% as of May. 2026, which is 16% above its 10-year median of 10.40. GuruFocus rates HKSE:00900 with a GF Score™ of 77/100 and a GF Value™ of HK$7.98 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 530 Credit Services companies, Aeon Credit Service (Asia) Co ranks better than 63.96% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Aeon Credit Service (Asia) Co's annualized net income for the quarter that ended in May. 2026 was HK$544 Mil. Aeon Credit Service (Asia) Co's average shareholder tangible equity for the quarter that ended in May. 2026 was HK$4,518 Mil. Therefore, Aeon Credit Service (Asia) Co's annualized Return-on-Tangible-Equity for the quarter that ended in May. 2026 was 12.04%.
The historical rank and industry rank for Aeon Credit Service (Asia) Co's Return-on-Tangible-Equity or its related term are showing as below:
HKSE:00900'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.95 Med: 10.4 Max: 14.11
Current: 11.23
During the past 13 years, Aeon Credit Service (Asia) Co's highest Return-on-Tangible-Equity was 14.11%. The lowest was 8.95%. And the median was 10.40%.
HKSE:00900's Return-on-Tangible-Equity is ranked better than 63.96% of 530
companies
in the Credit Services industry
Industry Median: 7.195
vs HKSE:00900: 11.23
Aeon Credit Service (Asia) Co (HKSE:00900) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Aeon Credit Service (Asia) Co Return-on-Tangible-Equity Related Terms
Aeon Credit Service (Asia) Co Return-on-Tangible-Equity Historical Data
* 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 Return-on-Tangible-Equity Chart
HKSE:00900 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Aeon Credit Service (Asia) Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aeon Credit Service (Asia) Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Aeon Credit Service (Asia) Co's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (May. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.04% mean?
Aeon Credit Service (Asia) Co (HKSE:00900) has a Return-on-Tangible-Equity of 12.04% as of May. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Aeon Credit Service (Asia) Co and its competitors. This is 16% above median its historical median of 10.40. Over the past decade, Aeon Credit Service (Asia) Co's Return-on-Tangible-Equity has ranged from 8.95 to 14.11. According to the industry distribution chart, Aeon Credit Service (Asia) Co ranks #191 out of 530 companies in the Credit Services industry, placing it in the top 36%.
Is Aeon Credit Service (Asia) Co's Return-on-Tangible-Equity too high?
Aeon Credit Service (Asia) Co's current Return-on-Tangible-Equity of 12.04% is 16% above median its 10-year median of 10.40. Over the past 10 years, this metric has ranged from a low of 8.95 to a high of 14.11. The Credit Services industry median Return-on-Tangible-Equity is 7.20. Aeon Credit Service (Asia) Co's value of 12.04% is 67.3% above this industry median. Based on the distribution chart, Aeon Credit Service (Asia) Co ranks #191 out of 530 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Aeon Credit Service (Asia) Co ranks #191 out of 530 companies for Return-on-Tangible-Equity. This puts Aeon Credit Service (Asia) Co in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.20. Aeon Credit Service (Asia) Co's value of 12.04% is 67.3% above this benchmark. Historically, Aeon Credit Service (Asia) Co's own Return-on-Tangible-Equity has ranged from 8.95 to 14.11 over the past decade. While the company's 10-year median is 10.40 vs. the industry median of 7.20, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.20, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aeon Credit Service (Asia) Co's current Return-on-Tangible-Equity of 12.04% is 67.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Aeon Credit Service (Asia) Co and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aeon Credit Service (Asia) Co's current Return-on-Tangible-Equity is 12.04%, which is 16% above median its own 10-year median of 10.40. 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$7.98, compared to a current price of HK$9.12 — trading 14.3% above its estimated fair value. The current Return-on-Tangible-Equity is 12.04%, which is 16% above median its 10-year median of 10.40 and 67.3% above the Credit Services industry median of 7.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Aeon Credit Service (Asia) Co (HKSE:00900), the current Return-on-Tangible-Equity is 12.04% 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$9.12 is trading 14.3% above its estimated GF Value™ of HK$7.98.
GuruFocus considers Aeon Credit Service (Asia) Co to be Modestly Overvalued.
Key valuation signals for HKSE:00900:
Return-on-Tangible-Equity: 12.04% (16% above median its 10-year median of 10.40)
GF Value™: HK$7.98 vs. price of HK$9.12 (14.3% above fair value)
Industry Position: 67.3% above the Credit Services median (#191 of 530)
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 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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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