AEON Credit Service (M) BhdXKLS:5139 +0.34%88 Operating Margin % is 36.79% as of Feb. 2026, which is 15% above its 10-year median of 32.02. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.79 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 412 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 59.22% on this metric.
AEON Credit Service (M) Bhd operating margin is expanding. Margin expansion is usually a good sign.
The historical rank and industry rank for AEON Credit Service (M) Bhd's Operating Margin % or its related term are showing as below:
XKLS:5139'
s Operating Margin % Range Over the Past 10 Years
Min: 21.83 Med: 32.02 Max: 35.11
Current: 25.58
XKLS:5139's Operating Margin % is ranked better than 59.22% of 412
companies
in the Credit Services industry
Industry Median: 17.325
vs XKLS:5139: 25.58
AEON Credit Service (M) Bhd (XKLS:5139) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
AEON Credit Service (M) Bhd Operating Margin % Related Terms
AEON Credit Service (M) Bhd Operating 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.
AEON Credit Service (M) Bhd Operating Margin % Chart
XKLS:5139 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Operating Margin % distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Operating Margin % falls into.
AEON Credit Service (M) Bhd Operating Margin % Calculation
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
AEON Credit Service (M) Bhd's Operating Margin % for the fiscal year that ended in Feb. 2026 is calculated as
* 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 Operating Margin % of 36.79% as of Feb. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 15% above median its historical median of 32.02. Over the past decade, AEON Credit Service (M) Bhd's Operating Margin % has ranged from 21.83 to 35.11. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #168 out of 412 companies in the Credit Services industry, placing it in the top 40.8%.
Is AEON Credit Service (M) Bhd's Operating Margin % too high?
AEON Credit Service (M) Bhd's current Operating Margin % of 36.79% is 15% above median its 10-year median of 32.02. Over the past 10 years, this metric has ranged from a low of 21.83 to a high of 35.11. The Credit Services industry median Operating Margin % is 17.33. AEON Credit Service (M) Bhd's value of 36.79% is 112.4% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #168 out of 412 companies in the Credit Services industry, which is above the industry midpoint. Overall, AEON Credit Service (M) Bhd has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AEON Credit Service (M) Bhd's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #168 out of 412 companies for Operating Margin %. This puts AEON Credit Service (M) Bhd in the upper half of its industry. The industry median Operating Margin % is 17.33. AEON Credit Service (M) Bhd's value of 36.79% is 112.4% above this benchmark. Historically, AEON Credit Service (M) Bhd's own Operating Margin % has ranged from 21.83 to 35.11 over the past decade. While the company's 10-year median is 32.02 vs. the industry median of 17.33, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating 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 Operating Margin % of 36.79% is 112.4% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Operating Margin % is 36.79%, which is 15% above median its own 10-year median of 32.02. 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 RM5.88 — trading 24.5% below its estimated fair value. The current Operating Margin % is 36.79%, which is 15% above median its 10-year median of 32.02 and 112.4% above the Credit Services industry median of 17.33. AEON Credit Service (M) Bhd's overall GF Score™ is 88/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Operating Margin % is 36.79% 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 RM5.88 is trading 24.5% 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:
Operating Margin %: 36.79% (15% above median its 10-year median of 32.02)
GF Value™: RM7.79 vs. price of RM5.88 (24.5% below fair value)
Industry Position: 112.4% above the Credit Services median (#168 of 412)
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.
88GF Score
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