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[公司专区] 5139 Aeon Credit 永旺信貸

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x 0
发表于 2011-11-30 17:33 | 显示全部楼层
够力,RM6来了,够够力。在这里祝贺所有买了Aeoncr的人过个大肥年。

有人知道业绩几时出吗?
无聊人 发表于 2011-11-30 13:51


十二月中吧,通常是十多号尾到二十多号头。

x 0 我要送花

x 0
发表于 2011-12-15 19:50 | 显示全部楼层
Earnings lift for AEON Credit Service
Written by The Edge Financial Daily          
Thursday, 15 December 2011 12:08

0

AEON Credit Service (M) Bhd
(Dec 14, RM 6.23)

Maintain buy with revised target price of RM7 from RM5.70: Our net profit forecasts have been raised after factoring in lower operating expenses (mainly from provision of doubtful debts), which more than offset the smaller increase in revenue contributions from the personal financing segment (on lower blended finance charges) and credit card business (due to lower outstanding credit balance).

We are keeping our FY12F to FY14F loan financing assumptions at RM1.5 billion (+27.8% year-on-year [y-o-y]), RM1.7 billion (+12.4% y-o-y) and RM2 billion (+16.4% y-o-y) as demand for microfinancing products is expected to remain steady despite the uncertain economic outlook.


During the 2008/09 global financial crisis, the group posted loan growth of 8.4% (and non performing loans of 1.8%) in FY10 ended February.

Results for 3QFY12, to be released this Tuesday, should come in stronger vis-à-vis 3QFY11 net profit of RM16 million and 2QFY12’s RM23.5 million. The most recent quarter could have benefited from spillover festive spending for Hari Raya Aidilfitri (which fell at end-August).

Our revised net profit projections imply annual growth rates of 40.5% (to RM89 million) in FY12 and 22% (to RM108.6 million) in FY13.

This is based on a higher CY12 target price earnings ratio of eight times (seven times previously) after considering the expanding size of ACSM (from RM300 million to RM751 million in market cap as net profit posted a five-year compound annual growth rate of 35.2%) since its listing in 2007.

Our new target price offers a potential upside of 17%, including FY13F net dividend yield of 5%. Maintain “buy”. — Hwang DBS Vickers Research, Dec 14

x 0 我要送花

x 0
发表于 2011-12-20 19:02 | 显示全部楼层
本帖最后由 cht 于 2011-12-20 19:03 编辑
这支股潜力无穷。
vincent1983 发表于 2011-12-20 18:58


出了,靚到爆

    Aeoncr Post a impressive result EPS 21.05,25.255m
single quarter 57.5%increase,9month increase 54%67.89m,YEAH

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x 123
发表于 2011-12-20 19:44 | 显示全部楼层
Financial Results
Reference No CC-111216-58899

Company Name
:
AEON CREDIT SERVICE (M) BERHAD
Stock Name
:
AEONCR   
Date Announced
:
20/12/2011
Financial Year End
:
20/02/2012
Quarter
:
Other
Quarterly report for the financial period ended
:
20/11/2011
The figures
:
have not been audited

Converted attachment :



Please attach the full Quarterly Report here:




Remark:




  • DEFAULT CURRENCY
  • OTHER CURRENCY



Currency
:
Malaysian Ringgit (MYR)

SUMMARY OF KEY FINANCIAL INFORMATION
20/11/2011

    INDIVIDUAL PERIOD
    CUMULATIVE PERIOD
      Three Mths
      Three Mths
      Nine Mths
      Nine Mths
        21/08/2011
        21/08/2010
        21/02/2011
        21/02/2010
          To
          20/11/2011
          To
          20/11/2010
          To
          20/11/2011
          To
          20/11/2010
            $$'000
            $$'000
            $$'000
            $$'000
            1Revenue
            89,809
            68,188
            249,994
            195,885
            2Profit/(loss) before tax
            33,853
            21,495
            91,160
            59,012
            3Profit/(loss) for the period
            25,255
            16,041
            67,891
            44,026
            4Profit/(loss) attributable to ordinary equity holders of the parent
            25,255
            16,041
            67,891
            44,026
            5Basic earnings/(loss) per share (Subunit)
            21.05
            13.37
            56.58
            36.69
            6Proposed/Declared dividend per share (Subunit)
            0.00
            0.00
            13.20
            11.50








            AS AT END OF CURRENT QUARTER
            AS AT PRECEDING FINANCIAL YEAR END
            7
            Net assets per share attributable to ordinary equity holders of the parent ($$)
            2.5300
            2.3500

            Remarks :


            Definition of Subunit:
            In a currency system, there is usually a main unit (base) and subunit that is a fraction amount of the main unit.
            Example for the subunit as follows:

            Country Base Unit Subunit
            Malaysia Ringgit Sen
            United States Dollar Cent
            United Kingdom Pound Pence

            x 0 我要送花

            x 64
            发表于 2011-12-20 20:19 | 显示全部楼层
            这个股很够力一下. Revenue, profit, dividend 继续增长.

            MalaysiaStock.Biz

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            x 91
            发表于 2011-12-21 02:32 | 显示全部楼层
            apa ni?不記錄在虧損嗎?

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            x 0
            发表于 2011-12-21 07:20 | 显示全部楼层
            apa ni?不記錄在虧損嗎?
            vincent1983 发表于 2011-12-21 02:32


            应该是期货护盘的亏损,
            包括Interest Rate, Currency等护盘应该都算在这里。
            因为是mark-to-market accounting,
            所以一般波动很大,
            算在最后一栏不算进EPS。

            x 0 我要送花

            x 82
            发表于 2011-12-21 07:58 | 显示全部楼层
            应该是期货护盘的亏损,
            包括Interest Rate, Currency等护盘应该都算在这里。
            因为是mark-to-market  ...
            andrew90 发表于 2011-12-21 07:20


            Which is this recorded in Cash flow?
            Is it something like unrealized exchange losses?

            x 0 我要送花

            x 0
            发表于 2011-12-21 08:28 | 显示全部楼层
            Which is this recorded in Cash flow?
            Is it something like unrealized exchange losses?
            yeah 发表于 2011-12-21 07:58


            根据我的了解,
            这间公司用了一些derivatives如interest rate swaps, currency swaps来护盘。
            加在一起叫“cash flow hedge",因为简单来说他们是在把一些浮动的费用如利息固定化,
            这样就能比较简单的管理cash flow。
            这个项目变数很大,
            因为在mark-to-market的情况下每季都要把手上所有的contracts拿来revalue。
            对我们来说,应该没有主要业务的operating profit/loss重要,
            除非它连续多季在这里有庞大亏损,
            如果那样可能就有账目美化的嫌疑。

            x 0 我要送花

            x 5217
            发表于 2011-12-21 12:51 | 显示全部楼层
            apa ni?不記錄在虧損嗎?
            vincent1983 发表于 2011-12-21 02:32



                公司有大概一半的borrowing是美元和日元。(美元RM3.5亿+日元RM38million). 近来美元和日元对马币起了不少。所以有所亏损。如果美元下跌,亏损就减少了。但这borrowing 不是马上要还,暂时的亏损不必入账。只要公司把borrowing还清,虧損就必须入账。但是因该不可能还,因为公司需要更多的cash来继续贷款出去。

            x 0 我要送花

            x 0
            发表于 2011-12-21 15:54 | 显示全部楼层
            回复 121# cht


                为何不要送红股呢??对于一家有成长的公司送红股应该没有影响吧?盈利虽然会担簿,但股东的票相对的也会增加。只是看起来价钱变便宜了。好让其他资金小的投资者买进。(很多人看到5块钱的股就认为贵)!!

            x 0 我要送花

            x 82
            发表于 2011-12-21 18:08 | 显示全部楼层
            根据我的了解,
            这间公司用了一些derivatives如interest rate swaps, currency swaps来护盘。
            加在一 ...
            andrew90 发表于 2011-12-21 08:28


            所以这些losses几时才会算在P&L里面?
            contract到期时?

            x 0 我要送花

            x 0
            发表于 2011-12-21 18:24 | 显示全部楼层
            所以这些losses几时才会算在P&L里面?
            contract到期时?
            yeah 发表于 2011-12-21 18:08


            其实应该是已经算进Balance Sheet 里了。
            看看Net Tangible Asset/Book Value,既每股股东资金,
            上季(Q2 2011)报出来是RM 2.53,这季还是一样RM 2.53。
            本来说这季盈利既然有RM 0.21 Book Value也应该增加RM 0.21 才对,
            那RM 0.21去了哪里呢?
            其中RM 0.132成了我们的股息,
            剩下的就应该是被这些losses written-off了。

            结论是以股东的角度来看,
            我们账面上已失去这笔钱,
            只是因为是Hedging Loss, report的时候才没算进EPS。

            x 0 我要送花

            x 82
            发表于 2011-12-21 18:26 | 显示全部楼层
            其实应该是已经算进Balance Sheet 里了。
            看看Net Tangible Asset/Book Value,既每股股东资金,
            上季 ...
            andrew90 发表于 2011-12-21 18:24


            明白了。。
            他们有hedge很多USD.. 不懂hedge来做什么

            x 0 我要送花

            x 82
            发表于 2011-12-21 18:39 | 显示全部楼层
            跑来这里

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            x

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            x 0
            发表于 2011-12-21 18:48 | 显示全部楼层
            跑来这里
            yeah 发表于 2011-12-21 18:39


            OIC ...
            我猜有一天如果有任何realized gains/losses,
            和retained earnings栏互相抵消时说不定也要放进EPS里,
            不是很清楚哦,这里有人专会计的吗?

            x 0 我要送花

            x 0
            发表于 2011-12-21 18:53 | 显示全部楼层
            2011年年报有关Cash flow hedging ...

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            x 82
            发表于 2011-12-21 19:21 | 显示全部楼层
            OIC ...
            我猜有一天如果有任何realized gains/losses,
            和retained earnings栏互相抵消时说不定也要放 ...
            andrew90 发表于 2011-12-21 18:48


            contract到期里因该会进P&L..

            x 0 我要送花

            x 0
            发表于 2011-12-21 19:30 | 显示全部楼层
            contract到期里因该会进P&L..
            yeah 发表于 2011-12-21 19:21


            Erm 。。。
            但既然是Hedging against interest rate and currency risk only
            我想除非是护盘失败或不完整,
            等到contracts mature的时候,
            照讲P&L应该要归零。
            以2011年Annual Report一亿三千万的Hedging,
            现在这一千多万大概是10 %。。。
            蛮大的叻

            x 0 我要送花

            x 82
            发表于 2011-12-21 19:41 | 显示全部楼层
            Erm 。。。
            但既然是Hedging against interest rate and currency risk only
            我想除非是护盘失败或不 ...
            andrew90 发表于 2011-12-21 19:30


            不会归零把。。
            到时会把hedging reserve 那边搬出来放进P&L

            x 0 我要送花

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