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AEON Credit Service (M) BhdXKLS:5139 -0.71%87 EV-to-EBITDA is 23.55 as of Aug. 25, 2026, which is 9% above its 10-year median of 21.57. GuruFocus rates XKLS:5139 with a GF Score™ of 87/100 and a GF Value™ of RM7.21 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 328 Credit Services companies, AEON Credit Service (M) Bhd ranks worse than 55.79% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, AEON Credit Service (M) Bhd's enterprise value is RM14,760 Mil.
AEON Credit Service (M) Bhd's EBITDA for the trailing twelve months (TTM) ended in May. 2026 was RM627 Mil. Therefore, AEON Credit Service (M) Bhd's EV-to-EBITDA for today is 23.55.
The historical rank and industry rank for AEON Credit Service (M) Bhd's EV-to-EBITDA or its related term are showing as below:
XKLS:5139'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 14.39 Med: 21.57 Max: 28.66
Current: 23.56
During the past 13 years, the highest EV-to-EBITDA of AEON Credit Service (M) Bhd was 28.66. The lowest was 14.39. And the median was 21.57.
XKLS:5139's EV-to-EBITDA is ranked worse than 55.79% of 328
companies
in the Credit Services industry
Industry Median: 21.22
vs XKLS:5139: 23.56
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
AEON Credit Service (M) Bhd (XKLS:5139) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
AEON Credit Service (M) Bhd's PE Ratio (TTM) for today is calculated as:
AEON Credit Service (M) Bhd's share price for today is RM5.61.
AEON Credit Service (M) Bhd's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in May. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was RM0.791.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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.
For the Credit Services subindustry, AEON Credit Service (M) Bhd's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's EV-to-EBITDA falls into.
AEON Credit Service (M) Bhd's current Enterprise Value is RM14,760 Mil.
AEON Credit Service (M) Bhd's EBITDA for the trailing twelve months (TTM) ended in May. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was RM627 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.
AEON Credit Service (M) Bhd (XKLS:5139) has a EV-to-EBITDA of 23.55 as of Aug. 25, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on AEON Credit Service (M) Bhd. This is near median its historical median of 21.57. Over the past decade, AEON Credit Service (M) Bhd's EV-to-EBITDA has ranged from 14.39 to 28.66. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #183 out of 328 companies in the Credit Services industry, placing it in the top 55.8%.
Is AEON Credit Service (M) Bhd's EV-to-EBITDA too high?
AEON Credit Service (M) Bhd's current EV-to-EBITDA of 23.55 is near median its 10-year median of 21.57. Over the past 10 years, this metric has ranged from a low of 14.39 to a high of 28.66. The Credit Services industry median EV-to-EBITDA is 21.22. AEON Credit Service (M) Bhd's value of 23.55 is 11% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #183 out of 328 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 EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #183 out of 328 companies for EV-to-EBITDA. This places AEON Credit Service (M) Bhd in the lower half of its industry. The industry median EV-to-EBITDA is 21.22. AEON Credit Service (M) Bhd's value of 23.55 is 11% above this benchmark. Historically, AEON Credit Service (M) Bhd's own EV-to-EBITDA has ranged from 14.39 to 28.66 over the past decade. While the company's 10-year median is 21.57 vs. the industry median of 21.22, 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.22, based on 328 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-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 EV-to-EBITDA of 23.55 is 11% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on AEON Credit Service (M) Bhd. For the Credit Services industry, the median EV-to-EBITDA is 21.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current EV-to-EBITDA is 23.55, which is near median its own 10-year median of 21.57. 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 RM7.21, compared to a current price of RM5.61 — trading 22.2% below its estimated fair value. The current EV-to-EBITDA is 23.55, which is near median its 10-year median of 21.57 and 11% above the Credit Services industry median of 21.22. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current EV-to-EBITDA is 23.55 as of Aug. 25, 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 RM5.61 is trading 22.2% below its estimated GF Value™ of RM7.21.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
EV-to-EBITDA: 23.55 (near median its 10-year median of 21.57)
GF Value™: RM7.21 vs. price of RM5.61 (22.2% below fair value)
Industry Position: 11% above the Credit Services median (#183 of 328)
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
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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