AEON Credit Service (M) Bhd (XKLS:5139) Cyclically Adjusted FCF per Share: RM-0.64 (As of May. 2026)

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XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
88 GF Score
Price RM5.64
GF Value RM7.28
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is AEON Credit Service (M) Bhd Cyclically Adjusted FCF per Share?

AEON Credit Service (M) Bhd XKLS:5139 +0.36% 88 Cyclically Adjusted FCF per Share is RM-0.64 as of May. 2026. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.28 (Modestly Undervalued). The stock has 3 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

AEON Credit Service (M) Bhd's adjusted free cash flow per share for the three months ended in May. 2026 was RM-0.188. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is RM-0.64 for the trailing ten years ended in May. 2026.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 11.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 11.90% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of AEON Credit Service (M) Bhd was 15.10% per year. The lowest was 10.10% per year. And the median was 11.00% per year.

As of today (2026-07-23), AEON Credit Service (M) Bhd's current stock price is RM5.64. AEON Credit Service (M) Bhd's Cyclically Adjusted FCF per Share for the quarter that ended in May. 2026 was RM-0.64. AEON Credit Service (M) Bhd's Cyclically Adjusted Price-to-FCF of today is .


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


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


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

* Premium members only.

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

AEON Credit Service (M) Bhd Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.06 -0.95 -0.79 -0.77 -0.67

AEON Credit Service (M) Bhd Quarterly Data
Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
Cyclically Adjusted FCF 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 -0.78 -0.78 -0.74 -0.67 -0.64

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

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

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

* The bar in red indicates where AEON Credit Service (M) Bhd's Cyclically Adjusted Price-to-FCF falls into.


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

AEON Credit Service (M) Bhd Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in May. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of May. 2026 (Change)*Current CPI (May. 2026)
=-0.188/335.1230*335.1230
=-0.188

Current CPI (May. 2026) = 335.1230.

AEON Credit Service (M) Bhd Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201608 -0.449 240.849 -0.625
201611 -0.456 241.353 -0.633
201702 0.094 243.603 0.129
201705 -0.213 244.733 -0.292
201708 -0.123 245.519 -0.168
201711 -0.152 246.669 -0.207
201802 0.033 248.991 0.044
201805 -0.145 251.588 -0.193
201808 -0.395 252.146 -0.525
201811 -0.613 252.038 -0.815
201902 -0.435 252.776 -0.577
201905 -0.589 256.092 -0.771
201908 -0.490 256.558 -0.640
201911 -0.490 257.208 -0.638
202002 -0.349 258.678 -0.452
202005 0.048 256.394 0.063
202008 0.905 259.918 1.167
202011 0.612 260.229 0.788
202102 0.609 263.014 0.776
202105 0.309 269.195 0.385
202108 1.180 273.567 1.446
202111 0.433 277.948 0.522
202202 -0.063 283.716 -0.074
202205 0.228 292.296 0.261
202208 -0.215 296.171 -0.243
202211 -0.155 297.711 -0.174
202302 -0.084 300.840 -0.094
202305 -0.374 304.127 -0.412
202308 -0.317 307.026 -0.346
202311 -0.406 307.051 -0.443
202402 -0.247 310.326 -0.267
202405 -0.397 314.069 -0.424
202408 -0.615 314.796 -0.655
202411 -0.479 315.493 -0.509
202502 -0.406 319.082 -0.426
202505 -0.440 321.465 -0.459
202508 -0.461 323.976 -0.477
202511 -0.201 324.122 -0.208
202602 -0.038 326.785 -0.039
202605 -0.188 335.123 -0.188

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of RM-0.64 mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a Cyclically Adjusted FCF per Share of RM-0.64 as of May. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share too high?
AEON Credit Service (M) Bhd's current Cyclically Adjusted FCF per Share is RM-0.64. 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 FCF per Share compare to V and MA?
AEON Credit Service (M) Bhd's Cyclically Adjusted FCF per Share of RM-0.64 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 FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share is RM-0.64. 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 RM7.28, compared to a current price of RM5.64 — trading 22.5% below its estimated fair value. The current Cyclically Adjusted FCF per Share is RM-0.64. 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 Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Cyclically Adjusted FCF per Share is RM-0.64 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 RM5.64 is trading 22.5% below its estimated GF Value™ of RM7.28. GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5139:

  • Cyclically Adjusted FCF per Share: RM-0.64
  • GF Value™: RM7.28 vs. price of RM5.64 (22.5% below fair value)
  • GF Score™: 88/100 with 3 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 FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM5.64
Price
RM7.28
GF Value