AEON Credit Service (M) Bhd offers credit cards and other loans and financing options to consumers in Malaysia. The company earns more than 80% of its revenue from interest and financing charges on the loans it provides. Fees provide the remaining revenue. Vehicle financing, with a roughly even split between cars and motorcycles, accounts for more than half of the loans the company has outstanding. Remaining loans outstanding are in the personal financing, consumer durables financing, and credit card categories. Aeon Credit issues credit cards under the Visa and Mastercard brand names.

Financial Strength

3/10

Name	Current	Vs Industry
Cash-To-Debt	0.03
Equity-to-Asset	0.22
Debt-to-Equity	3.32
Debt-to-EBITDA	15.16
Interest Coverage	366.3
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.78	Distress Grey Safe
Beneish M-Score	-2.22	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	0.9
	3-Year EBITDA Growth Rate	10.1
	3-Year EPS without NRI Growth Rate	35
	3-Year FCF Growth Rate	51
	3-Year Book Growth Rate	12.6
	Future 3-5Y Total Revenue Growth Rate	3.43

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	52.63
	9-Day RSI	59.82
	14-Day RSI	63.47
	6-1 Month Momentum %	12.94
	12-1 Month Momentum %	14.09

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.11
	Quick Ratio	1.11
	Cash Ratio	0.08
	Days Sales Outstanding	0.39
	Days Payable	23.92

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.46
	Dividend Payout Ratio	0.4
	3-Year Dividend Growth Rate	-0.8
	Forward Dividend Yield %	3.95
	5-Year Yield-on-Cost %	3.39
	3-Year Average Share Buyback Ratio	-0.2
	Shareholder Yield %	-22.81

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	71.52
	Operating Margin %	31.73
	Net Margin %	21.72
	FCF Margin %	-32.69
	ROE %	15.36
	ROA %	3.48
	ROIC %	4.1
	ROC (Joel Greenblatt) %	359.06
	ROCE %	6.17
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.34
	Forward PE Ratio	8.58
	PE Ratio without NRI	11.53
	Shiller PE Ratio	10.11
	PEG Ratio	3.6
	PS Ratio	1.98
	PB Ratio	1.35
	Price-to-Tangible-Book	1.35
	EV-to-EBIT	23.16
	EV-to-EBITDA	20.82
	EV-to-Revenue	6.71
	EV-to-Forward-Revenue	7.02
	EV-to-FCF	-20.5
	Price-to-Projected-FCF	2.58
	Price-to-DCF (Earnings Based)	0.89
	Price-to-Median-PS-Value	0.89
	Price-to-Peter-Lynch-Fair-Value	2.07
	Price-to-Graham-Number	0.83
	Earnings Yield (Greenblatt) %	4.31
	FCF Yield %	-16.51
	Forward Rate of Return (Yacktman) %	4.9

Financials

Annual Quarterly TTM

XKLS:5139's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

AEON Credit Service (M) Bhd Executives

Details

GF Value: RM6.9

XKLS:5139

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Severe warning signs with 5139. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil RM)	1,843.581
	EPS (TTM) (RM)	0.766
	Beta	0.74
	Volatility %	24.21
	14-Day RSI	63.47
	14-Day ATR (RM)	0.116519
	20-Day SMA (RM)	7.075
	12-1 Month Momentum %	14.09
	52-Week Range (RM)	5.5 - 7.39
	Shares Outstanding (Mil)	510.62

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

AEON Credit Service (M) Bhd Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

AEON Credit Service (M) Bhd Stock Events

Financials Calendars

	Event	Date	Price(RM)
No Event Data

AEON Credit Service (M) Bhd Frequently Asked Questions

What is AEON Credit Service (M) Bhd(XKLS:5139)'s stock price today?

The current price of XKLS:5139 is RM7.15. The 52 week high of XKLS:5139 is RM7.39 and 52 week low is RM5.50.

When is next earnings date of AEON Credit Service (M) Bhd(XKLS:5139)?

The next earnings date of AEON Credit Service (M) Bhd(XKLS:5139) is .

Does AEON Credit Service (M) Bhd(XKLS:5139) pay dividends? If so, how much?

The Dividend Yield % of AEON Credit Service (M) Bhd(XKLS:5139) is 3.46% (As of Today), Highest Dividend Payout Ratio of AEON Credit Service (M) Bhd(XKLS:5139) was 0.69. The lowest was 0.27. And the median was 0.43. The Forward Dividend Yield % of AEON Credit Service (M) Bhd(XKLS:5139) is 3.95%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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