AEON Credit Service (M) Bhd (XKLS:5139) Margin of Safety % (DCF Earnings Based): 33.87% (As of Jun. 26, 2026)


XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
89 GF Score
Price RM5.78
GF Value RM7.79
Valuation Modestly Undervalued
! 4 Warning Signs
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What is AEON Credit Service (M) Bhd Margin of Safety % (DCF Earnings Based)?

AEON Credit Service (M) Bhd XKLS:5139 -0.17% 89 Margin of Safety % (DCF Earnings Based) is 33.87% as of Jun. 26, 2026. 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-26), AEON Credit Service (M) Bhd's Predictability Rank is 3.5-Stars. AEON Credit Service (M) Bhd's intrinsic value calculated from the Discounted Earnings model is RM8.74 and current share price is RM5.78. Consequently,

AEON Credit Service (M) Bhd's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 33.87%.

XKLS:5139 vs V, MA, AXP: Margin of Safety % (DCF Earnings Based) Comparison

For the Credit Services subindustry, AEON Credit Service (M) Bhd's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where AEON Credit Service (M) Bhd's Margin of Safety % (DCF Earnings Based) falls into.


XKLS:5139
89GF Score
AEON Credit Service (M) Bhd XKLS:5139
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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AEON Credit Service (M) Bhd Margin of Safety % (DCF Earnings Based) Calculation

AEON Credit Service (M) Bhd's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(8.74-5.78)/8.74
=33.87 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 33.87% mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a Margin of Safety % (DCF Earnings Based) of 33.87% as of Jun. 26, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on AEON Credit Service (M) Bhd.
Is AEON Credit Service (M) Bhd's Margin of Safety % (DCF Earnings Based) too high?
AEON Credit Service (M) Bhd's current Margin of Safety % (DCF Earnings Based) is 33.87%. 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 Margin of Safety % (DCF Earnings Based) compare to V and MA?
AEON Credit Service (M) Bhd's Margin of Safety % (DCF Earnings Based) of 33.87% 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 Margin of Safety % (DCF Earnings Based) for a Credit Services company?
A good Margin of Safety % (DCF Earnings Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on AEON Credit Service (M) Bhd. AEON Credit Service (M) Bhd's current Margin of Safety % (DCF Earnings Based) is 33.87%. 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 RM5.78 — trading 25.8% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 33.87%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Margin of Safety % (DCF Earnings Based) is 33.87% as of Jun. 26, 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 RM5.78 is trading 25.8% 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:

  • Margin of Safety % (DCF Earnings Based): 33.87%
  • GF Value™: RM7.79 vs. price of RM5.78 (25.8% 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

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM5.78
Price
RM7.79
GF Value