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AEON Credit Service (M) Bhd has a Cash Ratio of 0.12. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for AEON Credit Service (M) Bhd's Cash Ratio or its related term are showing as below:
XKLS:5139'
s Cash Ratio Range Over the Past 10 Years
Min: 0.01 Med: 0.07 Max: 0.67
Current: 0.12
During the past 13 years, AEON Credit Service (M) Bhd's highest Cash Ratio was 0.67. The lowest was 0.01. And the median was 0.07.
XKLS:5139's Cash Ratio is ranked worse than 78.21% of 390
companies
in the Credit Services industry
Industry Median: 0.54
vs XKLS:5139: 0.12
AEON Credit Service (M) Bhd (XKLS:5139) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
AEON Credit Service (M) Bhd Cash Ratio Related Terms
AEON Credit Service (M) Bhd Cash Ratio Historical Data
* 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.
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Cash Ratio, along with its competitors' market caps and Cash Ratio 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 Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Cash Ratio distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Cash Ratio falls into.
* 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.
AEON Credit Service (M) Bhd (XKLS:5139) has a Cash Ratio of 0.12 as of May. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 71% above median its historical median of 0.07. Over the past decade, AEON Credit Service (M) Bhd's Cash Ratio has ranged from 0.01 to 0.67. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #305 out of 390 companies in the Credit Services industry, placing it in the top 78.2%.
Is AEON Credit Service (M) Bhd's Cash Ratio too high?
AEON Credit Service (M) Bhd's current Cash Ratio of 0.12 is 71% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.67. The Credit Services industry median Cash Ratio is 0.54. AEON Credit Service (M) Bhd's value of 0.12 is 77.8% below this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #305 out of 390 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, AEON Credit Service (M) Bhd has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AEON Credit Service (M) Bhd's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #305 out of 390 companies for Cash Ratio. This places AEON Credit Service (M) Bhd in the lower half of its industry. The industry median Cash Ratio is 0.54. AEON Credit Service (M) Bhd's value of 0.12 is 77.8% below this benchmark. Historically, AEON Credit Service (M) Bhd's own Cash Ratio has ranged from 0.01 to 0.67 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.54, AEON Credit Service (M) Bhd has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.54, based on 390 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current Cash Ratio of 0.12 is 77.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Cash Ratio is 0.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Cash Ratio is 0.12, which is 71% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AEON Credit Service (M) Bhd stock overvalued right now?
Based on GuruFocus' analysis, AEON Credit Service (M) Bhd (XKLS:5139) is currently considered Modestly Undervalued. The stock's GF Value™ is RM7.19, compared to a current price of RM5.53 — trading 23.1% below its estimated fair value. The current Cash Ratio is 0.12, which is 71% above median its 10-year median of 0.07 and 77.8% below the Credit Services industry median of 0.54. AEON Credit Service (M) Bhd's overall GF Score™ is 88/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Cash Ratio is 0.12 as of May. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AEON Credit Service (M) Bhd (XKLS:5139) Overvalued in 2026?
Based on GuruFocus' analysis, AEON Credit Service (M) Bhd stock appears to be undervalued.
The current stock price of RM5.53 is trading 23.1% below its estimated GF Value™ of RM7.19.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
Cash Ratio: 0.12 (71% above median its 10-year median of 0.07)
GF Value™: RM7.19 vs. price of RM5.53 (23.1% below fair value)
Industry Position: 77.8% below the Credit Services median (#305 of 390)
No single metric tells the full story. See the XKLS:5139 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AEON Credit Service (M) Bhd offers credit cards and other loans and financing options to consumers in Malaysia. It is engaged in the provision of easy payment schemes, personal financing schemes, and issuance of payment cards under the international brand names of Visa and MasterCard.
88GF Score
Get the complete analysis for XKLS:5139
Cash Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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