AEON Credit Service (M) Bhd (XKLS:5139) Debt-to-EBITDA : 17.78 (As of Nov. 2023)

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What is AEON Credit Service (M) Bhd Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

AEON Credit Service (M) Bhd's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Nov. 2023 was RM3,221 Mil. AEON Credit Service (M) Bhd's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Nov. 2023 was RM5,785 Mil. AEON Credit Service (M) Bhd's annualized EBITDA for the quarter that ended in Nov. 2023 was RM507 Mil. AEON Credit Service (M) Bhd's annualized Debt-to-EBITDA for the quarter that ended in Nov. 2023 was 17.78.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for AEON Credit Service (M) Bhd's Debt-to-EBITDA or its related term are showing as below:

XKLS:5139' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 11.45 Med: 13.13 Max: 19.14
Current: 15.16

During the past 13 years, the highest Debt-to-EBITDA Ratio of AEON Credit Service (M) Bhd was 19.14. The lowest was 11.45. And the median was 13.13.

XKLS:5139's Debt-to-EBITDA is ranked worse than
67.18% of 259 companies
in the Credit Services industry
Industry Median: 7.59 vs XKLS:5139: 15.16

AEON Credit Service (M) Bhd Debt-to-EBITDA Historical Data

The historical data trend for AEON Credit Service (M) Bhd's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

AEON Credit Service (M) Bhd Debt-to-EBITDA Chart

AEON Credit Service (M) Bhd Annual Data

Trend

Feb14

Feb15

Feb16

Feb17

Feb18

Feb19

Feb20

Feb21

Feb22

Feb23

Debt-to-EBITDA

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12.64

18.04

19.14

12.42

13.15

AEON Credit Service (M) Bhd Quarterly Data
	Feb19	May19	Aug19	Nov19	Feb20	May20	Aug20	Nov20	Feb21	May21	Aug21	Nov21	Feb22	May22	Aug22	Nov22	Feb23	May23	Aug23	Nov23
Debt-to-EBITDA	Get a 7-Day Free Trial															16.47	13.80	14.25	12.42	17.78

Competitive Comparison of AEON Credit Service (M) Bhd's Debt-to-EBITDA

For the Credit Services subindustry, AEON Credit Service (M) Bhd's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

AEON Credit Service (M) Bhd's Debt-to-EBITDA Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where AEON Credit Service (M) Bhd's Debt-to-EBITDA falls into.

AEON Credit Service (M) Bhd Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

AEON Credit Service (M) Bhd's Debt-to-EBITDA for the fiscal year that ended in Feb. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(1845.898	+	6199.164)	/	611.708
	=	13.15

AEON Credit Service (M) Bhd's annualized Debt-to-EBITDA for the quarter that ended in Nov. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(3221.466	+	5785.016)	/	506.652
	=	17.78

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Nov. 2023) EBITDA data.

AEON Credit Service (M) Bhd (XKLS:5139) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

AEON Credit Service (M) Bhd Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of AEON Credit Service (M) Bhd's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

AEON Credit Service (M) Bhd (XKLS:5139) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » AEON Credit Service (M) Bhd (XKLS:5139) » Definitions » Debt-to-EBITDA

Comparable Companies

Traded in Other Exchanges

N/A

Address

No. 8, Jalan Kerinchi, Avenue 10, Level 18, UOA Corporate Tower, The Vertical, Bangsar South City, Wilayah Persekutuan, Kuala Lumpur, SGR, MYS, 59200

Website

https://www.aeoncredit.com.my

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.

AEON Credit Service (M) Bhd (XKLS:5139) Headlines

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