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AEON Credit Service (M) BhdXKLS:5139 -0.88%88 Debt-to-Equity is 3.92 as of May. 2026, which is 3% above its 10-year median of 3.82. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.19 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 450 Credit Services companies, AEON Credit Service (M) Bhd ranks worse than 79.78% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for AEON Credit Service (M) Bhd's Debt-to-Equity or its related term are showing as below:
XKLS:5139'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.99 Med: 3.82 Max: 4.97
Current: 3.92
During the past 13 years, the highest Debt-to-Equity Ratio of AEON Credit Service (M) Bhd was 4.97. The lowest was 2.99. And the median was 3.82.
XKLS:5139's Debt-to-Equity is ranked worse than 79.78% of 450
companies
in the Credit Services industry
Industry Median: 1.22
vs XKLS:5139: 3.92
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
AEON Credit Service (M) Bhd Debt-to-Equity Related Terms
AEON Credit Service (M) Bhd Debt-to-Equity 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-Equity Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Debt-to-Equity 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 Debt-to-Equity of 3.92 as of May. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AEON Credit Service (M) Bhd and its competitors. This is near median its historical median of 3.82. Over the past decade, AEON Credit Service (M) Bhd's Debt-to-Equity has ranged from 2.99 to 4.97. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #359 out of 450 companies in the Credit Services industry, placing it in the top 79.8%.
Is AEON Credit Service (M) Bhd's Debt-to-Equity too high?
AEON Credit Service (M) Bhd's current Debt-to-Equity of 3.92 is near median its 10-year median of 3.82. Over the past 10 years, this metric has ranged from a low of 2.99 to a high of 4.97. The Credit Services industry median Debt-to-Equity is 1.22. AEON Credit Service (M) Bhd's value of 3.92 is 221.3% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #359 out of 450 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 Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #359 out of 450 companies for Debt-to-Equity. This places AEON Credit Service (M) Bhd in the lower half of its industry. The industry median Debt-to-Equity is 1.22. AEON Credit Service (M) Bhd's value of 3.92 is 221.3% above this benchmark. Historically, AEON Credit Service (M) Bhd's own Debt-to-Equity has ranged from 2.99 to 4.97 over the past decade. While the company's 10-year median is 3.82 vs. the industry median of 1.22, 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-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.22, based on 450 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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-Equity of 3.92 is 221.3% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.22 — 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-Equity is 3.92, which is near median its own 10-year median of 3.82. 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 RM5.62 — trading 21.8% below its estimated fair value. The current Debt-to-Equity is 3.92, which is near median its 10-year median of 3.82 and 221.3% above the Credit Services industry median of 1.22. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Debt-to-Equity is 3.92 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 RM5.62 is trading 21.8% 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:
Debt-to-Equity: 3.92 (near median its 10-year median of 3.82)
GF Value™: RM7.19 vs. price of RM5.62 (21.8% below fair value)
Industry Position: 221.3% above the Credit Services median (#359 of 450)
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
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