AEON Credit Service (M) BhdXKLS:5139 +1.21%89 Median PS Value is RM9.75 as of Jun. 29, 2026, which is 100% below its 10-year median of 0.78. 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 288 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 76.04% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for AEON Credit Service (M) Bhd's Median PS Value or its related term are showing as below:
XKLS:5139'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.59 Med: 0.78 Max: 1
Current: 0.6
During the past 13 years, the highest Price to Median PS Value of AEON Credit Service (M) Bhd was 1.00. The lowest was 0.59. And the median was 0.78.
XKLS:5139's Price-to-Median-PS-Value is ranked better than 76.04% of 288
companies
in the Credit Services industry
Industry Median: 0.9
vs XKLS:5139: 0.60
AEON Credit Service (M) Bhd (XKLS:5139) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
AEON Credit Service (M) Bhd's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
5.85
/
9.75
=
0.60
* 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 Median PS Value Related Terms
AEON Credit Service (M) Bhd Median PS Value 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: Median PS Value Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.014.
AEON Credit Service (M) Bhd's Revenue per Share 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 RM4.841.
* 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 Median PS Value of RM9.75 as of Jun. 29, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on AEON Credit Service (M) Bhd and its competitors. This is 1150% above median its historical median of 0.78. Over the past decade, AEON Credit Service (M) Bhd's Median PS Value has ranged from 0.59 to 1.00. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #69 out of 288 companies in the Credit Services industry, placing it in the top 24%.
Is AEON Credit Service (M) Bhd's Median PS Value too high?
AEON Credit Service (M) Bhd's current Median PS Value of RM9.75 is 1150% above median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 1.00. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #69 out of 288 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 Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #69 out of 288 companies for Median PS Value. This places AEON Credit Service (M) Bhd in the top 24% of its industry — outperforming the majority of peers. The industry median Median PS Value is 0.90. Historically, AEON Credit Service (M) Bhd's own Median PS Value has ranged from 0.59 to 1.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.90, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Median PS Value is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Median PS Value is RM9.75, which is 1150% above median its own 10-year median of 0.78. 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 RM5.85 — trading 24.9% below its estimated fair value. The current Median PS Value is RM9.75, which is 1150% above median its 10-year median of 0.78. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Median PS Value is RM9.75 as of Jun. 29, 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 RM5.85 is trading 24.9% 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:
Median PS Value: RM9.75 (1150% above median its 10-year median of 0.78)
GF Value™: RM7.79 vs. price of RM5.85 (24.9% below fair value)
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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Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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