AEON Credit Service (Asia) Company Limited (ACSA, stock code: 900) reported a 4.3% increase in revenue for the six months ended 31 August 2025, reaching HK$897.1 million. Profit after tax advanced 37.1% from the prior-year period to HK$233.6 million, while gross advances and receivables moved up 2.7% to HK$7,524.0 million.

During the period, net interest income rose 4.3% to HK$698.8 million, helped by lower interest expenses of HK$55.6 million. Operating expenses recorded a 1.9% decrease to HK$371.2 million, bringing the cost-to-income ratio down to 43.8%. Operating profit before impairment losses improved by 11.7% year-on-year to HK$475.6 million. At the same time, impairment losses and allowances were reduced by 12.7% to HK$206.0 million. Earnings per share reached 55.78 HK cents, up from 40.68 HK cents previously.

ACSA declared an interim dividend of 25.0 HK cents per share, representing a total payout of HK$104.7 million. It noted that steady credit card sales growth and effective risk management strategies contributed to the positive performance for the reporting period. The company also highlighted ongoing technology enhancements, credit assessment upgrades, and marketing initiatives aimed at sustaining sales momentum in the second half of the financial year.