AEON Credit Service (M) Bhd (XKLS:5139) E10: RM0.78 (As of Feb. 2026)


XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
89 GF Score
Price RM5.85
GF Value RM7.79
Valuation Modestly Undervalued
! 4 Warning Signs
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What is AEON Credit Service (M) Bhd E10?

AEON Credit Service (M) Bhd XKLS:5139 +1.21% 89 E10 is RM0.78 as of Feb. 2026. GuruFocus rates XKLS:5139 with a GF Score™ of 89/100 and a GF Value™ of RM7.79 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

AEON Credit Service (M) Bhd's adjusted earnings per share data for the three months ended in Feb. 2026 was RM0.283. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is RM0.78 for the trailing ten years ended in Feb. 2026.

During the past 12 months, AEON Credit Service (M) Bhd's average E10 Growth Rate was 4.00% per year. During the past 3 years, the average E10 Growth Rate was 5.20% per year. During the past 5 years, the average E10 Growth Rate was 7.80% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of AEON Credit Service (M) Bhd was 10.10% per year. The lowest was 5.20% per year. And the median was 8.30% per year.

As of today (2026-06-29), AEON Credit Service (M) Bhd's current stock price is RM5.85. AEON Credit Service (M) Bhd's E10 for the quarter that ended in Feb. 2026 was RM0.78. AEON Credit Service (M) Bhd's Shiller PE Ratio of today is 7.50.

During the past 13 years, the highest Shiller PE Ratio of AEON Credit Service (M) Bhd was 13.47. The lowest was 6.49. And the median was 9.41.


AEON Credit Service (M) Bhd  (XKLS:5139) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

AEON Credit Service (M) Bhd's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=5.85/0.78
=7.50

* 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 Shiller P/E Ratio of AEON Credit Service (M) Bhd was 13.47. The lowest was 6.49. And the median was 9.41.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


AEON Credit Service (M) Bhd E10 Related Terms


AEON Credit Service (M) Bhd E10 Historical Data

* Premium members only.

The historical data trend for AEON Credit Service (M) Bhd's E10 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 E10 Chart

AEON Credit Service (M) Bhd Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.59 0.67 0.72 0.75 0.78

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
E10 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 0.75 0.75 0.76 0.76 0.78

XKLS:5139 vs V, MA, AXP: E10 Comparison

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

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

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


XKLS:5139
89GF Score
AEON Credit Service (M) Bhd XKLS:5139
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

AEON Credit Service (M) Bhd E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Feb. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Feb. 2026 (Change)*Current CPI (Feb. 2026)
=0.283/326.7850*326.7850
=0.283

Current CPI (Feb. 2026) = 326.7850.

AEON Credit Service (M) Bhd Quarterly Data

per share eps CPI Adj_EPS
201605 0.137 240.229 0.186
201608 0.135 240.849 0.183
201611 0.137 241.353 0.185
201702 0.178 243.603 0.239
201705 0.145 244.733 0.194
201708 0.137 245.519 0.182
201711 0.141 246.669 0.187
201802 0.159 248.991 0.209
201805 0.187 251.588 0.243
201808 0.152 252.146 0.197
201811 0.164 252.038 0.213
201902 0.165 252.776 0.213
201905 0.163 256.092 0.208
201908 0.080 256.558 0.102
201911 0.137 257.208 0.174
202002 0.157 258.678 0.198
202005 0.051 256.394 0.065
202008 0.092 259.918 0.116
202011 0.083 260.229 0.104
202102 0.213 263.014 0.265
202105 0.319 269.195 0.387
202108 0.138 273.567 0.165
202111 0.203 277.948 0.239
202202 0.036 283.716 0.041
202205 0.319 292.296 0.357
202208 0.138 296.171 0.152
202211 0.164 297.711 0.180
202302 0.177 300.840 0.192
202305 0.195 304.127 0.210
202308 0.226 307.026 0.241
202311 0.168 307.051 0.179
202402 0.223 310.326 0.235
202405 0.208 314.069 0.216
202408 0.139 314.796 0.144
202411 0.122 315.493 0.126
202502 0.257 319.082 0.263
202505 0.152 321.465 0.155
202508 0.142 323.976 0.143
202511 0.180 324.122 0.181
202602 0.283 326.785 0.283

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of RM0.78 mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a E10 of RM0.78 as of Feb. 2026. E10 represents the company's inflation-adjusted earnings 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 E10 too high?
AEON Credit Service (M) Bhd's current E10 is RM0.78. Overall, AEON Credit Service (M) Bhd has a GF Score™ of 89/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AEON Credit Service (M) Bhd's E10 compare to V and MA?
AEON Credit Service (M) Bhd's E10 of RM0.78 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 E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings 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 E10 is RM0.78. 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 RM7.79, compared to a current price of RM5.85 — trading 24.9% below its estimated fair value. The current E10 is RM0.78. AEON Credit Service (M) Bhd's overall GF Score™ is 89/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current E10 is RM0.78 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 RM5.85 is trading 24.9% below its estimated GF Value™ of RM7.79. GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5139:

  • E10: RM0.78
  • GF Value™: RM7.79 vs. price of RM5.85 (24.9% below fair value)
  • GF Score™: 89/100 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.
89GF Score

Get the complete analysis for XKLS:5139

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM5.85
Price
RM7.79
GF Value