AEON Credit Service (M) Bhd (XKLS:5139) Cyclically Adjusted Book per Share: RM4.86 (As of Feb. 2026)


XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
88 GF Score
Price RM5.75
GF Value RM7.77
Valuation Modestly Undervalued
! 4 Warning Signs
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What is AEON Credit Service (M) Bhd Cyclically Adjusted Book per Share?

AEON Credit Service (M) Bhd XKLS:5139 +2.68% 88 Cyclically Adjusted Book per Share is RM4.86 as of Feb. 2026. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.77 (Modestly Undervalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

AEON Credit Service (M) Bhd's adjusted book value per share for the three months ended in Feb. 2026 was RM5.997. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is RM4.86 for the trailing ten years ended in Feb. 2026.

During the past 12 months, AEON Credit Service (M) Bhd's average Cyclically Adjusted Book Growth Rate was 8.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 10.30% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 13.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of AEON Credit Service (M) Bhd was 17.50% per year. The lowest was 10.30% per year. And the median was 13.70% per year.

As of today (2026-07-08), AEON Credit Service (M) Bhd's current stock price is RM5.75. AEON Credit Service (M) Bhd's Cyclically Adjusted Book per Share for the quarter that ended in Feb. 2026 was RM4.86. AEON Credit Service (M) Bhd's Cyclically Adjusted PB Ratio of today is 1.18.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of AEON Credit Service (M) Bhd was 2.68. The lowest was 1.05. And the median was 1.69.


AEON Credit Service (M) Bhd  (XKLS:5139) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

AEON Credit Service (M) Bhd's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=5.75/4.86
=1.18

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of AEON Credit Service (M) Bhd was 2.68. The lowest was 1.05. And the median was 1.69.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


AEON Credit Service (M) Bhd Cyclically Adjusted Book per Share Related Terms


AEON Credit Service (M) Bhd Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for AEON Credit Service (M) Bhd's Cyclically Adjusted Book per Share 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.

AEON Credit Service (M) Bhd Cyclically Adjusted Book per Share Chart

AEON Credit Service (M) Bhd Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.06 3.62 4.09 4.50 4.86

AEON Credit Service (M) Bhd Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.50 4.60 4.69 4.76 4.86

XKLS:5139 vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, AEON Credit Service (M) Bhd's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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 Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where AEON Credit Service (M) Bhd's Cyclically Adjusted PB Ratio falls into.


XKLS:5139
88GF Score
AEON Credit Service (M) Bhd XKLS:5139
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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AEON Credit Service (M) Bhd Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, AEON Credit Service (M) Bhd's adjusted Book Value per Share data for the three months ended in Feb. 2026 was:

Adj_Book= Book Value per Share /CPI of Feb. 2026 (Change)*Current CPI (Feb. 2026)
=5.997/326.7850*326.7850
=5.997

Current CPI (Feb. 2026) = 326.7850.

AEON Credit Service (M) Bhd Quarterly Data

Book Value per Share CPI Adj_Book
201605 2.616 240.229 3.559
201608 2.616 240.849 3.549
201611 2.682 241.353 3.631
201702 2.850 243.603 3.823
201705 3.016 244.733 4.027
201708 3.062 245.519 4.076
201711 3.579 246.669 4.741
201802 3.738 248.991 4.906
201805 3.279 251.588 4.259
201808 3.341 252.146 4.330
201811 3.183 252.038 4.127
201902 3.737 252.776 4.831
201905 3.780 256.092 4.823
201908 3.695 256.558 4.706
201911 3.669 257.208 4.661
202002 3.464 258.678 4.376
202005 3.398 256.394 4.331
202008 3.381 259.918 4.251
202011 3.411 260.229 4.283
202102 3.708 263.014 4.607
202105 4.050 269.195 4.916
202108 4.099 273.567 4.896
202111 4.208 277.948 4.947
202202 4.311 283.716 4.965
202205 4.743 292.296 5.303
202208 4.764 296.171 5.256
202211 4.820 297.711 5.291
202302 4.945 300.840 5.371
202305 5.153 304.127 5.537
202308 5.291 307.026 5.632
202311 5.314 307.051 5.656
202402 5.166 310.326 5.440
202405 5.347 314.069 5.563
202408 5.336 314.796 5.539
202411 5.306 315.493 5.496
202502 5.546 319.082 5.680
202505 5.634 321.465 5.727
202508 5.631 323.976 5.680
202511 5.696 324.122 5.743
202602 5.997 326.785 5.997

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of RM4.86 mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a Cyclically Adjusted Book per Share of RM4.86 as of Feb. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on AEON Credit Service (M) Bhd and its competitors.
Is AEON Credit Service (M) Bhd's Cyclically Adjusted Book per Share too high?
AEON Credit Service (M) Bhd's current Cyclically Adjusted Book per Share is RM4.86. 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 Cyclically Adjusted Book per Share compare to V and MA?
AEON Credit Service (M) Bhd's Cyclically Adjusted Book per Share of RM4.86 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on AEON Credit Service (M) Bhd and its competitors. AEON Credit Service (M) Bhd's current Cyclically Adjusted Book per Share is RM4.86. 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 RM7.77, compared to a current price of RM5.75 — trading 26% below its estimated fair value. The current Cyclically Adjusted Book per Share is RM4.86. AEON Credit Service (M) Bhd's overall GF Score™ is 88/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Cyclically Adjusted Book per Share is RM4.86 as of Feb. 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 RM5.75 is trading 26% below its estimated GF Value™ of RM7.77. GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5139:

  • Cyclically Adjusted Book per Share: RM4.86
  • GF Value™: RM7.77 vs. price of RM5.75 (26% below fair value)
  • GF Score™: 88/100 with 4 warning signs

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 Business Description

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

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM5.75
Price
RM7.77
GF Value