AEON Credit Service (M) Bhd (XKLS:5139) EBIT: RM547 Mil (TTM As of Feb. 2026)


XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
89 GF Score
Price RM5.78
GF Value RM7.79
Valuation Modestly Undervalued
! 4 Warning Signs
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What is AEON Credit Service (M) Bhd EBIT?

AEON Credit Service (M) Bhd XKLS:5139 -1.53% 89 EBIT is RM547 Mil 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.

AEON Credit Service (M) Bhd's earnings before interest and taxes (EBIT) for the three months ended in Feb. 2026 was RM201 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Feb. 2026 was RM547 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. AEON Credit Service (M) Bhd's annualized ROC % for the quarter that ended in Feb. 2026 was 4.38%. AEON Credit Service (M) Bhd's annualized ROC (Joel Greenblatt) % for the quarter that ended in Feb. 2026 was 419.38%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. AEON Credit Service (M) Bhd's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Feb. 2026 was 3.74%.


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

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

AEON Credit Service (M) Bhd's annualized ROC % for the quarter that ended in Feb. 2026 is calculated as:

ROC % (Q: Feb. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Nov. 2025 ) + Invested Capital (Q: Feb. 2026 ))/ count )
=929.328 * ( 1 - 28.47% )/( (14679.767 + 15702.347)/ 2 )
=664.7483184/15191.057
=4.38 %

where

Invested Capital(Q: Nov. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=15620.475 - 592.621 - ( 348.087 - max(0, 4234.65 - 4799.305+348.087))
=14679.767

Invested Capital(Q: Feb. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=16070.517 - 374.12 - ( 334.141 - max(0, 4957.462 - 4951.512+334.141))
=15702.347

Note: The Operating Income data used here is four times the quarterly (Feb. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

AEON Credit Service (M) Bhd's annualized ROC (Joel Greenblatt) % for the quarter that ended in Feb. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Feb. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Nov. 2025  Q: Feb. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=804.584/( ( (191.266 + max(-846.073, 0)) + (192.438 + max(-898.443, 0)) )/ 2 )
=804.584/( ( 191.266 + 192.438 )/ 2 )
=804.584/191.852
=419.38 %

where Working Capital is:

Working Capital(Q: Nov. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(3.941 + 0 + 5.0400000000009) - (592.621 + 0 + 262.433)
=-846.073

Working Capital(Q: Feb. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(4.55 + 0 + 100.484) - (374.12 + 0 + 629.357)
=-898.443

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Feb. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

AEON Credit Service (M) Bhd's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Feb. 2026 )
=547.108/14622.332
=3.74 %

* 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 EBIT Related Terms


AEON Credit Service (M) Bhd EBIT Historical Data

* Premium members only.

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

AEON Credit Service (M) Bhd Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 529.56 551.74 586.87 575.99 552.27

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
EBIT 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 199.10 109.64 107.84 128.49 201.15

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

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

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

* The bar in red indicates where AEON Credit Service (M) Bhd's EV-to-EBIT falls into.


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

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Feb. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was RM547 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of RM547 Mil mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a EBIT of RM547 Mil as of Feb. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on AEON Credit Service (M) Bhd.
Is AEON Credit Service (M) Bhd's EBIT too high?
AEON Credit Service (M) Bhd's current EBIT is RM547 Mil. 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 EBIT compare to V and MA?
AEON Credit Service (M) Bhd's EBIT of RM547 Mil 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 EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on AEON Credit Service (M) Bhd. AEON Credit Service (M) Bhd's current EBIT is RM547 Mil. 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 RM5.78 — trading 25.8% below its estimated fair value. The current EBIT is RM547 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current EBIT is RM547 Mil 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 RM5.78 is trading 25.8% 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:

  • EBIT: RM547 Mil
  • GF Value™: RM7.79 vs. price of RM5.78 (25.8% 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

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

RM5.78
Price
RM7.79
GF Value