Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
AEON Credit Service (M) BhdXKLS:5139 +0.18%88 Cyclically Adjusted PS Ratio is 1.41 as of Jul. 29, 2026, which is 30% below its 10-year median of 2.01. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.27 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 421 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 71.73% on this metric.
The historical rank and industry rank for AEON Credit Service (M) Bhd's Cyclically Adjusted PS Ratio or its related term are showing as below:
XKLS:5139'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.32 Med: 2.01 Max: 2.94
Current: 1.42
During the past years, AEON Credit Service (M) Bhd's highest Cyclically Adjusted PS Ratio was 2.94. The lowest was 1.32. And the median was 2.01.
XKLS:5139's Cyclically Adjusted PS Ratio is ranked better than 71.73% of 421
companies
in the Credit Services industry
Industry Median: 3.17
vs XKLS:5139: 1.42
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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
AEON Credit Service (M) Bhd's adjusted revenue per share data for the three months ended in May. 2026 was RM1.268. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is RM3.99 for the trailing ten years ended in May. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
AEON Credit Service (M) Bhd (XKLS:5139) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
AEON Credit Service (M) Bhd Cyclically Adjusted PS Ratio Related Terms
AEON Credit Service (M) Bhd Cyclically Adjusted PS 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.
AEON Credit Service (M) Bhd Cyclically Adjusted PS Ratio Chart
XKLS:5139 vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Cyclically Adjusted PS Ratio falls into.
AEON Credit Service (M) Bhd Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
* 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.
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.
What does a Cyclically Adjusted PS Ratio of 1.41 mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a Cyclically Adjusted PS Ratio of 1.41 as of Jul. 29, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 30% below median its historical median of 2.01. Over the past decade, AEON Credit Service (M) Bhd's Cyclically Adjusted PS Ratio has ranged from 1.32 to 2.94. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #119 out of 421 companies in the Credit Services industry, placing it in the top 28.3%.
Is AEON Credit Service (M) Bhd's Cyclically Adjusted PS Ratio too high?
AEON Credit Service (M) Bhd's current Cyclically Adjusted PS Ratio of 1.41 is 30% below median its 10-year median of 2.01. Over the past 10 years, this metric has ranged from a low of 1.32 to a high of 2.94. The Credit Services industry median Cyclically Adjusted PS Ratio is 3.17. AEON Credit Service (M) Bhd's value of 1.41 is 55.5% below this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #119 out of 421 companies in the Credit Services industry, which is above the industry midpoint. 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 PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #119 out of 421 companies for Cyclically Adjusted PS Ratio. This puts AEON Credit Service (M) Bhd in the upper half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.17. AEON Credit Service (M) Bhd's value of 1.41 is 55.5% below this benchmark. Historically, AEON Credit Service (M) Bhd's own Cyclically Adjusted PS Ratio has ranged from 1.32 to 2.94 over the past decade. While the company's 10-year median is 2.01 vs. the industry median of 3.17, 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 Cyclically Adjusted PS Ratio for a Credit Services company?
The median Cyclically Adjusted PS Ratio among Credit Services companies is 3.17, based on 421 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio of 1.41 is 55.5% 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 Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Cyclically Adjusted PS Ratio is 3.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Cyclically Adjusted PS Ratio is 1.41, which is 30% below median its own 10-year median of 2.01. 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 RM7.27, compared to a current price of RM5.61 — trading 22.8% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 1.41, which is 30% below median its 10-year median of 2.01 and 55.5% below the Credit Services industry median of 3.17. 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 PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Cyclically Adjusted PS Ratio is 1.41 as of Jul. 29, 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 RM5.61 is trading 22.8% below its estimated GF Value™ of RM7.27.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
Cyclically Adjusted PS Ratio: 1.41 (30% below median its 10-year median of 2.01)
GF Value™: RM7.27 vs. price of RM5.61 (22.8% below fair value)
Industry Position: 55.5% below the Credit Services median (#119 of 421)
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
Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:5139 has been successfully added to your 
