AEON Credit Service (M) Bhd (XKLS:5139) Moat Score: 0/10 (As of Jul. 09, 2026)


XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
88 GF Score
Price RM5.78
GF Value RM7.77
Valuation Modestly Undervalued
! 4 Warning Signs
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What is AEON Credit Service (M) Bhd Moat Score?

AEON Credit Service (M) Bhd has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

AEON Credit Service (M) Bhd has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes AEON Credit Service (M) Bhd might have No Moat - No discernible moat.

AEON Credit Service (M) Bhd  (XKLS:5139) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

AEON Credit Service (M) Bhd Moat Score Related Terms

XKLS:5139
88GF Score
AEON Credit Service (M) Bhd XKLS:5139
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 25.6% below its estimated GF Value™ of RM7.77. GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5139:

  • Moat Score: 0
  • GF Value™: RM7.77 vs. price of RM5.78 (25.6% below fair value)
  • GF Score™: 88/100 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.
88GF Score

Get the complete analysis for XKLS:5139

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

RM5.78
Price
RM7.77
GF Value