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AEON Credit Service (M) BhdXKLS:5139 +0.35%87 EBITDA Margin % is 22.82% as of May. 2026, which is 32% below its 10-year median of 33.36. GuruFocus rates XKLS:5139 with a GF Score™ of 87/100 and a GF Value™ of RM7.35 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 415 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 54.46% on this metric.
AEON Credit Service (M) Bhd (XKLS:5139) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
AEON Credit Service (M) Bhd EBITDA Margin % Related Terms
AEON Credit Service (M) Bhd EBITDA Margin % 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: EBITDA Margin % Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's EBITDA Margin % 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 EBITDA Margin % of 22.82% as of May. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 32% below median its historical median of 33.36. Over the past decade, AEON Credit Service (M) Bhd's EBITDA Margin % has ranged from 24.45 to 39.26. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #189 out of 415 companies in the Credit Services industry, placing it in the top 45.5%.
Is AEON Credit Service (M) Bhd's EBITDA Margin % too high?
AEON Credit Service (M) Bhd's current EBITDA Margin % of 22.82% is 32% below median its 10-year median of 33.36. Over the past 10 years, this metric has ranged from a low of 24.45 to a high of 39.26. The Credit Services industry median EBITDA Margin % is 21.04. AEON Credit Service (M) Bhd's value of 22.82% is 8.5% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #189 out of 415 companies in the Credit Services industry, which is above 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #189 out of 415 companies for EBITDA Margin %. This puts AEON Credit Service (M) Bhd in the upper half of its industry. The industry median EBITDA Margin % is 21.04. AEON Credit Service (M) Bhd's value of 22.82% is 8.5% above this benchmark. Historically, AEON Credit Service (M) Bhd's own EBITDA Margin % has ranged from 24.45 to 39.26 over the past decade. While the company's 10-year median is 33.36 vs. the industry median of 21.04, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.04, based on 415 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current EBITDA Margin % of 22.82% is 8.5% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current EBITDA Margin % is 22.82%, which is 32% below median its own 10-year median of 33.36. 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 RM7.35, compared to a current price of RM5.74 — trading 21.9% below its estimated fair value. The current EBITDA Margin % is 22.82%, which is 32% below median its 10-year median of 33.36 and 8.5% above the Credit Services industry median of 21.04. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current EBITDA Margin % is 22.82% 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 RM5.74 is trading 21.9% below its estimated GF Value™ of RM7.35.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
EBITDA Margin %: 22.82% (32% below median its 10-year median of 33.36)
GF Value™: RM7.35 vs. price of RM5.74 (21.9% below fair value)
Industry Position: 8.5% above the Credit Services median (#189 of 415)
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
EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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