---
title: "AEON信贷财务(亚洲)有限公司 (00900.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/00900.HK.md"
symbol: "00900.HK"
name: "AEON信贷财务(亚洲)有限公司"
industry: "消费金融"
---

# AEON信贷财务(亚洲)有限公司 (00900.HK)

| Item | Detail |
|------|--------|
| Industry | 消费金融 |
| Location | 港股市场 |
| Website | [www.aeon.com.hk/tc/index.html](https://www.aeon.com.hk/tc/index.html) |

## Company Profile

AEON 信贷财务 (亚洲) 有限公司是一家主要从事提供金融服务业务的公司。该公司通过三个分部运营业务。信用卡分部主要从事提供信用卡服务及为会员商号提供收单服务。私人贷款分部主要从事提供私人贷款融资。保险分部主要从事提供保险代理及顾问服务。

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-20T04:30:10.000Z

**Overall: C (0.45)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 7 / 30 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 10.39% |  |
| Net Profit YoY | 24.02% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.72 |  |
| Dividend Ratio | 6.61% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 3.17B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 1.32B |  |


**Multi Score**: C

#### Profit Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 11.21% | B |
| Profit Margin | 36.08% | A |
| Gross Margin | 100.00% | A |

#### Growth Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 10.39% | B |
| Net Profit YoY | 24.02% | B |
| Total Assets YoY | 4.70% | C |
| Net Assets YoY | 6.25% | B |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 277.16% | C |
| OCF YoY | 10.39% | B |

#### Operating Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.16 | D |

#### Debt Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 46.93% | C |


```chart-data:radar
{
  "title": "Longbridge Financial Score - AEON信贷财务(亚洲)有限公司",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "A",
      "indicators": [
        {
          "name": "ROE",
          "value": "11.21%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "36.08%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "100.00%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "B",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "10.39%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "24.02%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "4.70%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "6.25%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "277.16%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "10.39%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "D",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.16",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "C",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "46.93%",
          "rating": "C"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | 联合集团 (HK.373) | C | A | E | B | A | B |
| 02 | 新鸿基公司 (HK.86) | B | A | E | B | B | B |
| 03 | 威华达控股 (HK.622) | B | A | E | A | B | B |
| 04 | 丰银禾控股 (HK.8030) | A | C | C | B | D | B |
| 05 | 易鑫集团 (HK.2858) | B | B | D | D | B | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 6.66 | 5/30 | 7.01 | 6.72 | 6.50 |
| PB | 0.72 | 21/30 | 0.71 | 0.69 | 0.62 |
| PS (TTM) | 1.86 | 12/30 | 1.85 | 1.79 | 1.59 |
| Dividend Yield | 6.58% | 4/30 | 7.66% | 6.87% | 6.66% |

## Institutional View

### Analyst Rating Distribution

> As of 2025-12-28T16:00:00.000Z

Total Analysts: **1**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 0 | 0% |
| Overweight | 0 | 0% |
| Hold | 0 | 0% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 7.60 |
| Highest Target | 12.00 |
| Lowest Target | 12.00 |

## References

- [Company Overview](https://longbridge.com/en/quote/00900.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/00900.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/00900.HK/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.
