AEON Credit Service (M) BhdXKLS:5139 -4.12%89 Gross Margin % is 80.23% as of Feb. 2026, which is 17% above its 10-year median of 68.37. 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. Among 387 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 86.05% on this metric.
AEON Credit Service (M) Bhd (XKLS:5139) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
AEON Credit Service (M) Bhd had a gross margin of 80.23% for the quarter that ended in Feb. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
AEON Credit Service (M) Bhd Gross Margin % Related Terms
AEON Credit Service (M) Bhd Gross 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: Gross Margin % Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Gross Margin % distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
AEON Credit Service (M) Bhd (XKLS:5139) has a Gross Margin % of 80.23% as of Feb. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 17% above median its historical median of 68.37. Over the past decade, AEON Credit Service (M) Bhd's Gross Margin % has ranged from 65.96 to 80.71. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #54 out of 387 companies in the Credit Services industry, placing it in the top 14%.
Is AEON Credit Service (M) Bhd's Gross Margin % too high?
AEON Credit Service (M) Bhd's current Gross Margin % of 80.23% is 17% above median its 10-year median of 68.37. Over the past 10 years, this metric has ranged from a low of 65.96 to a high of 80.71. The Credit Services industry median Gross Margin % is 51.88. AEON Credit Service (M) Bhd's value of 80.23% is 54.6% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #54 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #54 out of 387 companies for Gross Margin %. This places AEON Credit Service (M) Bhd in the top 14% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.88. AEON Credit Service (M) Bhd's value of 80.23% is 54.6% above this benchmark. Historically, AEON Credit Service (M) Bhd's own Gross Margin % has ranged from 65.96 to 80.71 over the past decade. While the company's 10-year median is 68.37 vs. the industry median of 51.88, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.88, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross 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 Gross Margin % of 80.23% is 54.6% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Gross Margin % is 80.23%, which is 17% above median its own 10-year median of 68.37. 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 RM5.58 — trading 28.3% below its estimated fair value. The current Gross Margin % is 80.23%, which is 17% above median its 10-year median of 68.37 and 54.6% above the Credit Services industry median of 51.88. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Gross Margin % is 80.23% 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 RM5.58 is trading 28.3% 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:
Gross Margin %: 80.23% (17% above median its 10-year median of 68.37)
GF Value™: RM7.78 vs. price of RM5.58 (28.3% below fair value)
Industry Position: 54.6% above the Credit Services median (#54 of 387)
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.
89GF Score
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