By Helgi Library - October 20, 2019
AEON Financial Service stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of USD 3,477...
By Helgi Library - October 20, 2019
AEON Financial Service stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of USD 3,477...
By Helgi Library - October 23, 2019
AEON Financial Service stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of ...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | JPY bil | 121 | 137 | 150 |
| Net Fee Income | JPY bil | 161 | 180 | 191 |
| Other Income | JPY bil | 63.4 | 61.4 | 65.3 |
| Total Revenues | JPY bil | 346 | 378 | 406 |
| Operating Profit | JPY bil | 125 | 140 | 150 |
| Provisions | JPY bil | 36.9 | 40.7 | 43.7 |
| Net Profit | JPY bil | 39.5 | 38.7 | 39.4 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | JPY bil | 30.0 | 0 | 30.5 |
| Customer Loans | JPY bil | 1,815 | 2,213 | 2,329 |
| Total Assets | JPY bil | 4,187 | 4,853 | 5,342 |
| Shareholders' Equity | JPY bil | 401 | 438 | 449 |
| Interbank Borrowing | JPY bil | 312 | 384 | 418 |
| Customer Deposits | JPY bil | 2,542 | 3,050 | 3,469 |
| Issued Debt Securities | JPY bil | 411 | 381 | 402 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 10.6 | 9.22 | 8.89 |
| ROA | % | 0.995 | 0.856 | 0.773 |
| Costs (As % Of Assets) | % | 5.57 | 5.28 | 5.03 |
| Costs (As % Of Income) | % | 63.9 | 63.0 | 63.1 |
| Net Interest Margin | % | 3.06 | 3.02 | 2.94 |
| Loans (As % Of Deposits) | % | 71.4 | 72.6 | 67.1 |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | 11.5 | 13.6 | 12.3 | |
| Price/Book Value (P/BV) | 1.13 | 1.21 | 1.08 | |
| Earnings Per Share (EPS) | JPY | 184 | 170 | 173 |
| Book Value Per Share | JPY | 1,871 | 1,924 | 1,972 |
Get all company financials in excel:
| summary | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||
| Net Interest Income | JPY bil | 87.9 | 105 | 118 | 121 | ||
| Total Revenues | JPY bil | 256 | 299 | 330 | 346 | ||
| Operating Profit | JPY bil | 79.8 | 103 | 120 | 125 | ||
| Net Profit | JPY bil | 20.7 | 30.5 | 35.8 | 39.5 | ||
| balance sheet | |||||||
| Interbank Loans | JPY bil | 0 | 10.0 | 0 | 30.0 | ||
| Customer Loans | JPY bil | 1,229 | 1,425 | 1,625 | 1,815 | ||
| Debt Securities | JPY bil | 185 | 241 | 216 | 174 | ||
| Total Assets | JPY bil | 3,163 | 3,590 | 3,746 | 4,187 | ||
| Shareholders' Equity | JPY bil | 307 | 325 | 341 | 401 | ||
| Interbank Borrowing | JPY bil | 224 | 381 | 364 | 312 | ||
| Customer Deposits | JPY bil | 1,718 | 1,963 | 2,153 | 2,542 | ||
| Issued Debt Securities | JPY bil | 413 | 426 | 396 | 411 | ||
| ratios | |||||||
| ROE | % | 6.75 | 9.65 | 10.7 | 10.6 | ||
| ROA | % | 0.656 | 0.903 | 0.976 | 0.995 | ||
| Costs (As % Of Assets) | % | 5.58 | 5.80 | 5.73 | 5.57 | ||
| Costs (As % Of Income) | % | 68.9 | 65.4 | 63.6 | 63.9 | ||
| Net Interest Margin | % | 2.78 | 3.10 | 3.20 | 3.06 | ||
| Interest Income (As % Of Revenues) | % | 34.3 | 35.0 | 35.6 | 35.1 | ||
| Fee Income (As % Of Revenues) | % | 49.0 | 48.9 | 48.5 | 46.6 | ||
| Equity (As % Of Assets) | % | 9.71 | 9.05 | 9.10 | 9.58 | ||
| Loans (As % Of Deposits) | % | 71.6 | 72.6 | 75.5 | 71.4 | ||
| Loans (As % Assets) | % | 38.9 | 39.7 | 43.4 | 43.3 | ||
| valuation | |||||||
| Market Capitalisation (End Of Period) | USD mil | 4,564 | 5,032 | 4,380 | 3,873 | ||
| Number Of Shares (Average) | mil | 208 | 201 | 199 | 214 | ||
| Share Price (End Of Period) | JPY | 2,304 | 3,007 | 2,655 | 2,109 | ||
| Earnings Per Share (EPS) | JPY | 99.5 | 152 | 180 | 184 | ||
| Book Value Per Share | JPY | 1,474 | 1,620 | 1,715 | 1,871 | ||
| Price/Earnings (P/E) | 23.2 | 19.8 | 14.7 | 11.5 | |||
| Price/Book Value (P/BV) | 1.56 | 1.86 | 1.55 | 1.13 | |||
| Earnings Per Share Growth | % | ... | 52.8 | 18.4 | 2.20 | ||
| Book Value Per Share Growth | % | ... | 9.93 | 5.83 | 9.09 |
| income statement | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||
| Interest Income | JPY bil | 107 | 125 | 139 | 140 | ||
| Interest Cost | JPY bil | 19.5 | 20.7 | 21.3 | 19.0 | ||
| Net Interest Income | JPY bil | 87.9 | 105 | 118 | 121 | ||
| Net Fee Income | JPY bil | 126 | 146 | 160 | 161 | ||
| Other Income | JPY bil | 42.8 | 48.2 | 52.6 | 63.4 | ||
| Total Revenues | JPY bil | 256 | 299 | 330 | 346 | ||
| Operating Cost | JPY bil | 176 | 196 | 210 | 221 | ||
| Operating Profit | JPY bil | 79.8 | 103 | 120 | 125 | ||
| Provisions | JPY bil | 18.4 | 28.6 | 36.3 | 36.9 | ||
| Extra and Other Cost | JPY bil | 21.6 | 22.2 | 24.8 | 28.3 | ||
| Pre-Tax Profit | JPY bil | 39.8 | 52.8 | 59.3 | 59.7 | ||
| Tax | JPY bil | 11.9 | 14.1 | 14.8 | 12.1 | ||
| Minorities | JPY bil | 7.14 | 8.20 | 8.68 | 8.15 | ||
| Net Profit | JPY bil | 20.7 | 30.5 | 35.8 | 39.5 | ||
| growth rates | |||||||
| Net Interest Income Growth | % | ... | 19.2 | 12.1 | 3.18 | ||
| Net Fee Income Growth | % | ... | 16.7 | 9.53 | 0.458 | ||
| Total Revenue Growth | % | ... | 16.8 | 10.4 | 4.64 | ||
| Operating Cost Growth | % | ... | 11.0 | 7.25 | 5.11 | ||
| Operating Profit Growth | % | ... | 29.7 | 16.3 | 3.82 | ||
| Pre-Tax Profit Growth | % | ... | 32.6 | 12.3 | 0.700 | ||
| Net Profit Growth | % | ... | 47.0 | 17.4 | 10.3 |
| balance sheet | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||
| Cash | JPY bil | 417 | 468 | 444 | 532 | ||
| Interbank Loans | JPY bil | 0 | 10.0 | 0 | 30.0 | ||
| Customer Loans | JPY bil | 1,229 | 1,425 | 1,625 | 1,815 | ||
| Debt Securities | JPY bil | 185 | 241 | 216 | 174 | ||
| Fixed Assets | JPY bil | 98.9 | 107 | 114 | 125 | ||
| Total Assets | JPY bil | 3,163 | 3,590 | 3,746 | 4,187 | ||
| Shareholders' Equity | JPY bil | 307 | 325 | 341 | 401 | ||
| Of Which Minority Interest | JPY bil | 35.6 | 51.2 | 49.6 | 54.9 | ||
| Liabilities | JPY bil | 2,856 | 3,265 | 3,405 | 3,786 | ||
| Interbank Borrowing | JPY bil | 224 | 381 | 364 | 312 | ||
| Customer Deposits | JPY bil | 1,718 | 1,963 | 2,153 | 2,542 | ||
| Issued Debt Securities | JPY bil | 413 | 426 | 396 | 411 | ||
| Other Liabilities | JPY bil | 501 | 495 | 491 | 521 | ||
| asset quality | |||||||
| Gross Loans | JPY bil | 1,277 | 1,474 | 1,674 | 1,865 | ||
| Total Provisions | JPY bil | 47.6 | 49.3 | 49.5 | 50.4 | ||
| growth rates | |||||||
| Customer Loan Growth | % | ... | 15.9 | 14.0 | 11.7 | ||
| Total Asset Growth | % | ... | 13.5 | 4.35 | 11.8 | ||
| Shareholders' Equity Growth | % | ... | 5.75 | 4.90 | 17.7 | ||
| Customer Deposit Growth | % | ... | 14.3 | 9.67 | 18.1 | ||
| market share | |||||||
| Market Share in Customer Loans | % | 0.268 | 0.301 | 0.332 | 0.360 | ... | |
| Market Share in Total Assets | % | 0.322 | 0.355 | 0.347 | 0.379 | ... |
| ratios | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||
| ROE | % | 6.75 | 9.65 | 10.7 | 10.6 | ||
| ROA | % | 0.656 | 0.903 | 0.976 | 0.995 | ||
| Costs (As % Of Assets) | % | 5.58 | 5.80 | 5.73 | 5.57 | ||
| Costs (As % Of Income) | % | 68.9 | 65.4 | 63.6 | 63.9 | ||
| Net Interest Margin | % | 2.78 | 3.10 | 3.20 | 3.06 | ||
| Interest Spread | % | ... | 3.04 | 3.15 | 3.01 | ||
| Asset Yield | % | 3.40 | 3.72 | 3.78 | 3.54 | ||
| Cost Of Liabilities | % | ... | 0.676 | 0.639 | 0.528 | ||
| Interest Income (As % Of Revenues) | % | 34.3 | 35.0 | 35.6 | 35.1 | ||
| Fee Income (As % Of Revenues) | % | 49.0 | 48.9 | 48.5 | 46.6 | ||
| Other Income (As % Of Revenues) | % | 16.7 | 16.1 | 15.9 | 18.3 | ||
| Equity (As % Of Assets) | % | 9.71 | 9.05 | 9.10 | 9.58 | ||
| Loans (As % Of Deposits) | % | 71.6 | 72.6 | 75.5 | 71.4 | ||
| Loans (As % Assets) | % | 38.9 | 39.7 | 43.4 | 43.3 | ||
| Provisions (As % Of Loans) | % | 3.87 | 3.46 | 3.04 | 2.78 | ||
| Cost of Provisions (As % Of Loans) | % | 1.50 | 2.15 | 2.38 | 2.15 |
| other data | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||
| Employees | 12,220 | 14,965 | 17,244 | 17,340 | |||
| On-balance Sheet Loans | JPY bil | 1,229 | 1,425 | 1,625 | 1,815 |
Get all company financials in excel:
By Helgi Library - October 23, 2019
AEON Financial Service stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of USD 3,477 mil. Over the last five years, the stock has depreciated by 36.4 implying an annual average growth of -8.65% In a...
By Helgi Library - October 20, 2019
AEON Financial Service generated total banking revenues of JPY 106 bil in the second quarter of 2019, up 11.9% when compared to the same period of last year and 0.453% when compared to the previous quarter. Historically, the bank’s revenues containing of inte...
By Helgi Library - October 20, 2019
AEON Financial Service made a net profit of JPY 7.20 bil under revenues of JPY 106 bil in the second quarter of 2019, down 2.74% and up 11.9% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time ...
By Helgi Library - October 20, 2019
AEON Financial Service generated total banking revenues of JPY 106 bil in the second quarter of 2019, up 11.9% when compared to the same period of last year and 0.453% when compared to the previous quarter. Historically, the bank’s revenues containing of inte...
By Helgi Library - October 20, 2019
AEON Financial Service made a net profit of JPY 7.20 bil under revenues of JPY 106 bil in the second quarter of 2019, down 2.74% and up 11.9% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time ...
By Helgi Library - October 20, 2019
AEON Financial Service's customer loan growth reached -31.5% in 2019-06-30, down from 17.7% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 22.0% in 2018-03-31 and an all time low of -31.5% in 2019-06-30. I...
By Helgi Library - October 20, 2019
AEON Financial Service's net interest margin amounted to 3.08% in the second quarter of 2019, up from 2.87% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.33% in 4Q2015 and an all time low of...
By Helgi Library - October 20, 2019
AEON Financial Service's customer loan growth reached -31.5% in 2019-06-30, down from 17.7% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 22.0% in 2018-03-31 and an all time low of -31.5% in 2019-06-30. I...
By Helgi Library - October 20, 2019
AEON Financial Service's net interest margin amounted to 3.08% in the second quarter of 2019, up from 2.87% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.33% in 4Q2015 and an all time low of...
By Helgi Library - October 20, 2019
AEON Financial Service stock traded at JPY 1,645 per share at the end second quarter of 2019 implying a market capitalization of USD 3,477 mil. Since the end of 2Q2014, the stock has depreciated by -36.4 % implying an annual average growth of -8.65 %. In absolute term...
AEON Financial Service has been growing its revenues and asset by 7.11% and 12.6% a year on average in the last 3 years. Its loans and deposits have grown by 12.8% and 17.2% a year during that time and loans to deposits ratio reached 67.1% at the end of 2018. The company achieved an average return on equity of 9.58% in the last three years with net profit growing 3.27% a year on average. In terms of operating efficiency, its cost to income ratio reached 63.1% in 2018, compared to 63.3% average in the last three years.
Equity represented 8.40% of total assets or 19.3% of loans at the end of 2018. AEON Financial Service's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.
AEON Financial Service stock traded at JPY 2,137 per share at the end of 2018 resulting in a market capitalization of USD 4,386 mil. Over the previous five years, stock price fell by 7.26% or 1.5% a year on average. That’s compared to an average ROE of 9.83% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 12.3x and price to book value (PBV) of 1.08x in 2018.
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