AEON Credit Service (M) BhdXKLS:5139 -0.51%89 Interest Coverage is 194.10 as of Feb. 2026, which is 306% above its 10-year median of 47.80. 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. Among 164 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 53.66% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. AEON Credit Service (M) Bhd's
Operating Income
for the
three
months ended in Feb. 2026 was RM232 Mil. AEON Credit Service (M) Bhd's Interest Expense for the
three
months ended in Feb. 2026 was RM-1 Mil.
AEON Credit Service (M) Bhd's interest coverage for the quarter that ended in Feb. 2026 was 194.10.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for AEON Credit Service (M) Bhd's Interest Coverage or its related term are showing as below:
XKLS:5139'
s Interest Coverage Range Over the Past 10 Years
Min: 10.31 Med: 47.8 Max: 193.13
Current: 65.49
XKLS:5139's Interest Coverage is ranked better than 53.66% of 164
companies
in the Credit Services industry
Industry Median: 49.41
vs XKLS:5139: 65.49
AEON Credit Service (M) Bhd (XKLS:5139) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
AEON Credit Service (M) Bhd Interest Coverage Related Terms
AEON Credit Service (M) Bhd Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
AEON Credit Service (M) Bhd Interest Coverage Chart
XKLS:5139 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Interest Coverage distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Interest Coverage falls into.
AEON Credit Service (M) Bhd Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 194.10 as of Feb. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 306% above median its historical median of 47.80. Over the past decade, AEON Credit Service (M) Bhd's Interest Coverage has ranged from 10.31 to 193.13. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #76 out of 164 companies in the Credit Services industry, placing it in the top 46.3%.
Is AEON Credit Service (M) Bhd's Interest Coverage too high?
AEON Credit Service (M) Bhd's current Interest Coverage of 194.10 is 306% above median its 10-year median of 47.80. Over the past 10 years, this metric has ranged from a low of 10.31 to a high of 193.13. The Credit Services industry median Interest Coverage is 49.41. AEON Credit Service (M) Bhd's value of 194.10 is 292.8% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #76 out of 164 companies in the Credit Services industry, which is above the industry midpoint. 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #76 out of 164 companies for Interest Coverage. This puts AEON Credit Service (M) Bhd in the upper half of its industry. The industry median Interest Coverage is 49.41. AEON Credit Service (M) Bhd's value of 194.10 is 292.8% above this benchmark. Historically, AEON Credit Service (M) Bhd's own Interest Coverage has ranged from 10.31 to 193.13 over the past decade. While the company's 10-year median is 47.80 vs. the industry median of 49.41, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current Interest Coverage of 194.10 is 292.8% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Interest Coverage is 194.10, which is 306% above median its own 10-year median of 47.80. 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 RM5.82 — trading 25.3% below its estimated fair value. The current Interest Coverage is 194.10, which is 306% above median its 10-year median of 47.80 and 292.8% above the Credit Services industry median of 49.41. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Interest Coverage is 194.10 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 RM5.82 is trading 25.3% 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:
Interest Coverage: 194.10 (306% above median its 10-year median of 47.80)
GF Value™: RM7.79 vs. price of RM5.82 (25.3% below fair value)
Industry Position: 292.8% above the Credit Services median (#76 of 164)
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
Get the complete analysis for XKLS:5139
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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