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AEON Credit Service (M) BhdXKLS:5139 -0.70%87 Debt-to-EBITDA is 20.92 as of May. 2026, which is 36% above its 10-year median of 15.39. GuruFocus rates XKLS:5139 with a GF Score™ of 87/100 and a GF Value™ of RM7.23 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 287 Credit Services companies, AEON Credit Service (M) Bhd ranks worse than 74.91% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
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: 12.42 Med: 15.39 Max: 19.83
Current: 19.73
During the past 13 years, the highest Debt-to-EBITDA Ratio of AEON Credit Service (M) Bhd was 19.83. The lowest was 12.42. And the median was 15.39.
XKLS:5139's Debt-to-EBITDA is ranked worse than 74.91% of 287
companies
in the Credit Services industry
Industry Median: 8.87
vs XKLS:5139: 19.73
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
AEON Credit Service (M) Bhd Debt-to-EBITDA 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.
XKLS:5139 vs V, MA, AXP: Debt-to-EBITDA Comparison
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 Debt-to-EBITDA vs 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.
* 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.
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 (May. 2026) EBITDA data.
AEON Credit Service (M) Bhd (XKLS:5139) has a Debt-to-EBITDA of 20.92 as of May. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on AEON Credit Service (M) Bhd. This is 36% above median its historical median of 15.39. Over the past decade, AEON Credit Service (M) Bhd's Debt-to-EBITDA has ranged from 12.42 to 19.83. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #215 out of 287 companies in the Credit Services industry, placing it in the top 74.9%.
Is AEON Credit Service (M) Bhd's Debt-to-EBITDA too high?
AEON Credit Service (M) Bhd's current Debt-to-EBITDA of 20.92 is 36% above median its 10-year median of 15.39. Over the past 10 years, this metric has ranged from a low of 12.42 to a high of 19.83. The Credit Services industry median Debt-to-EBITDA is 8.87. AEON Credit Service (M) Bhd's value of 20.92 is 135.9% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #215 out of 287 companies in the Credit Services industry, which is below the industry midpoint. Overall, AEON Credit Service (M) Bhd has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AEON Credit Service (M) Bhd's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #215 out of 287 companies for Debt-to-EBITDA. This places AEON Credit Service (M) Bhd in the lower half of its industry. The industry median Debt-to-EBITDA is 8.87. AEON Credit Service (M) Bhd's value of 20.92 is 135.9% above this benchmark. Historically, AEON Credit Service (M) Bhd's own Debt-to-EBITDA has ranged from 12.42 to 19.83 over the past decade. While the company's 10-year median is 15.39 vs. the industry median of 8.87, AEON Credit Service (M) Bhd has consistently been above 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.87, based on 287 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current Debt-to-EBITDA of 20.92 is 135.9% above 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on AEON Credit Service (M) Bhd. For the Credit Services industry, the median Debt-to-EBITDA is 8.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Debt-to-EBITDA is 20.92, which is 36% above median its own 10-year median of 15.39. 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 RM7.23, compared to a current price of RM5.70 — trading 21.2% below its estimated fair value. The current Debt-to-EBITDA is 20.92, which is 36% above median its 10-year median of 15.39 and 135.9% above the Credit Services industry median of 8.87. AEON Credit Service (M) Bhd's overall GF Score™ is 87/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Debt-to-EBITDA is 20.92 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 RM5.70 is trading 21.2% below its estimated GF Value™ of RM7.23.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
Debt-to-EBITDA: 20.92 (36% above median its 10-year median of 15.39)
GF Value™: RM7.23 vs. price of RM5.70 (21.2% below fair value)
Industry Position: 135.9% above the Credit Services median (#215 of 287)
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.
87GF Score
Get the complete analysis for XKLS:5139
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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