AEON Credit Service (M) Bhd (XKLS:5139) Enterprise Value: RM14,510 Mil (As of Jul. 03, 2026) ***


XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
89 GF Score
Price RM5.56
GF Value RM7.78
Valuation Modestly Undervalued
! 4 Warning Signs
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What is AEON Credit Service (M) Bhd Enterprise Value?

AEON Credit Service (M) Bhd XKLS:5139 -0.36% 89 Enterprise Value is RM14,510 Mil as of Jul. 03, 2026. GuruFocus rates XKLS:5139 with a GF Score™ of 89/100 and a GF Value™ of RM7.78 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, AEON Credit Service (M) Bhd's Enterprise Value is RM14,510 Mil. AEON Credit Service (M) Bhd's EBIT for the trailing twelve months (TTM) ended in Feb. 2026 was RM547 Mil. Therefore, AEON Credit Service (M) Bhd's EV-to-EBIT ratio for today is 26.52.

EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, AEON Credit Service (M) Bhd's Enterprise Value is RM14,510 Mil. AEON Credit Service (M) Bhd's EBITDA for the trailing twelve months (TTM) ended in Feb. 2026 was RM612 Mil. Therefore, AEON Credit Service (M) Bhd's EV-to-EBITDA ratio for today is 23.72.

EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, AEON Credit Service (M) Bhd's Enterprise Value is RM14,510 Mil. AEON Credit Service (M) Bhd's Revenue for the trailing twelve months (TTM) ended in Feb. 2026 was RM2,472 Mil. Therefore, AEON Credit Service (M) Bhd's EV-to-Revenue ratio for today is 5.87.

EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations. As of today, AEON Credit Service (M) Bhd's Enterprise Value is RM14,510 Mil. AEON Credit Service (M) Bhd's Cash Flow from Operations for the trailing twelve months (TTM) ended in Feb. 2026 was RM-533 Mil. Therefore, AEON Credit Service (M) Bhd's EV-to-OCF ratio for today is -27.24.

EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, AEON Credit Service (M) Bhd's Enterprise Value is RM14,510 Mil. AEON Credit Service (M) Bhd's Free Cash Flow for the trailing twelve months (TTM) ended in Feb. 2026 was RM-582 Mil. Therefore, AEON Credit Service (M) Bhd's EV-to-FCF ratio for today is -24.93.

*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.


AEON Credit Service (M) Bhd  (XKLS:5139) Enterprise Value Explanation

When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.

If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.

The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.

For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.

Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.

1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.

AEON Credit Service (M) Bhd's EV-to-EBIT for today is

EV-to-EBIT=Enterprise Value (Today)/EBIT (TTM)
=14509.997/547.108
=26.52

AEON Credit Service (M) Bhd's current Enterprise Value is RM14,510 Mil.
AEON Credit Service (M) Bhd's 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.

2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.

AEON Credit Service (M) Bhd's EV-to-EBITDA for today is:

EV-to-EBITDA=Enterprise Value (Today)/EBITDA(TTM)
=14509.997/611.667
=23.72

AEON Credit Service (M) Bhd's current Enterprise Value is RM14,510 Mil.
AEON Credit Service (M) Bhd's EBITDA 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 RM612 Mil.

3. EV-to-Revenue is calculated as Enterprise Value divided by its Revenue.

AEON Credit Service (M) Bhd's EV-to-Revenue for today is:

EV-to-Revenue=Enterprise Value (Today)/Revenue (TTM)
=14509.997/2471.668
=5.87

AEON Credit Service (M) Bhd's current Enterprise Value is RM14,510 Mil.
AEON Credit Service (M) Bhd's Revenue 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 RM2,472 Mil.

4. EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations.

AEON Credit Service (M) Bhd's EV-to-OCF for today is:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=14509.997/-532.672
=-27.24

AEON Credit Service (M) Bhd's current Enterprise Value is RM14,510 Mil.
AEON Credit Service (M) Bhd's Cash Flow from Operations 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 RM-533 Mil.

5. EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow.

AEON Credit Service (M) Bhd's EV-to-FCF for today is:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=14509.997/-582.046
=-24.93

AEON Credit Service (M) Bhd's current Enterprise Value is RM14,510 Mil.
AEON Credit Service (M) Bhd's Free Cash Flow 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 RM-582 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 Enterprise Value Related Terms


AEON Credit Service (M) Bhd Enterprise Value Historical Data

* Premium members only.

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

AEON Credit Service (M) Bhd Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Enterprise Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10,675.20 10,766.96 12,600.25 13,747.40 14,632.54

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
Enterprise Value 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 13,747.40 13,842.06 13,796.50 14,240.86 14,632.54

XKLS:5139 vs V, MA, AXP: Enterprise Value Comparison

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

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

* The bar in red indicates where AEON Credit Service (M) Bhd's Enterprise Value falls into.


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

Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

AEON Credit Service (M) Bhd's Enterprise Value for the fiscal year that ended in Feb. 2026 is calculated as

AEON Credit Service (M) Bhd's Enterprise Value for the quarter that ended in Feb. 2026 is calculated as

* 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 Enterprise Value →
What does a Enterprise Value of RM14,510 Mil mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a Enterprise Value of RM14,510 Mil as of Jul. 03, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on AEON Credit Service (M) Bhd and its competitors.
Is AEON Credit Service (M) Bhd's Enterprise Value too high?
AEON Credit Service (M) Bhd's current Enterprise Value is RM14,510 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 Enterprise Value compare to V and MA?
AEON Credit Service (M) Bhd's Enterprise Value of RM14,510 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 Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on AEON Credit Service (M) Bhd and its competitors. AEON Credit Service (M) Bhd's current Enterprise Value is RM14,510 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 RM7.78, compared to a current price of RM5.56 — trading 28.5% below its estimated fair value. The current Enterprise Value is RM14,510 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Enterprise Value is RM14,510 Mil as of Jul. 03, 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 RM5.56 is trading 28.5% below its estimated GF Value™ of RM7.78. GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5139:

  • Enterprise Value: RM14,510 Mil
  • GF Value™: RM7.78 vs. price of RM5.56 (28.5% 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

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

RM5.56
Price
RM7.78
GF Value