Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
AEON Credit Service (M) BhdXKLS:5139 -0.18%88 PB Ratio is 0.91 as of Jul. 19, 2026, which is 40% below its 10-year median of 1.51. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.29 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 526 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 57.41% on this metric.
AEON Credit Service (M) Bhd stock PB Ratio (=0.91) is close to 10-year low of 0.87.
The historical rank and industry rank for AEON Credit Service (M) Bhd's PB Ratio or its related term are showing as below:
XKLS:5139'
s PB Ratio Range Over the Past 10 Years
Min: 0.87 Med: 1.51 Max: 2.67
Current: 0.91
During the past 13 years, AEON Credit Service (M) Bhd's highest PB Ratio was 2.67. The lowest was 0.87. And the median was 1.51.
XKLS:5139's PB Ratio is ranked better than 57.41% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs XKLS:5139: 0.91
During the past 12 months, AEON Credit Service (M) Bhd's average Book Value Per Share Growth Rate was 9.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of AEON Credit Service (M) Bhd was 41.10% per year. The lowest was -0.30% per year. And the median was 16.15% per year.
Back to Basics: PB Ratio
AEON Credit Service (M) Bhd (XKLS:5139) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
AEON Credit Service (M) Bhd PB Ratio Related Terms
AEON Credit Service (M) Bhd PB Ratio 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.
For the Credit Services subindustry, AEON Credit Service (M) Bhd's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's PB Ratio distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
AEON Credit Service (M) Bhd (XKLS:5139) has a PB Ratio of 0.91 as of Jul. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 40% below median its historical median of 1.51. Over the past decade, AEON Credit Service (M) Bhd's PB Ratio has ranged from 0.87 to 2.67. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #224 out of 526 companies in the Credit Services industry, placing it in the top 42.6%.
Is AEON Credit Service (M) Bhd's PB Ratio too high?
AEON Credit Service (M) Bhd's current PB Ratio of 0.91 is 40% below median its 10-year median of 1.51. Over the past 10 years, this metric has ranged from a low of 0.87 to a high of 2.67. The Credit Services industry median PB Ratio is 1.06. AEON Credit Service (M) Bhd's value of 0.91 is 14.2% below this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #224 out of 526 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #224 out of 526 companies for PB Ratio. This puts AEON Credit Service (M) Bhd in the upper half of its industry. The industry median PB Ratio is 1.06. AEON Credit Service (M) Bhd's value of 0.91 is 14.2% below this benchmark. Historically, AEON Credit Service (M) Bhd's own PB Ratio has ranged from 0.87 to 2.67 over the past decade. While the company's 10-year median is 1.51 vs. the industry median of 1.06, AEON Credit Service (M) Bhd has consistently been below 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 526 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current PB Ratio of 0.91 is 14.2% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current PB Ratio is 0.91, which is 40% below median its own 10-year median of 1.51. 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 RM7.29, compared to a current price of RM5.61 — trading 23% below its estimated fair value. The current PB Ratio is 0.91, which is 40% below median its 10-year median of 1.51 and 14.2% below the Credit Services industry median of 1.06. AEON Credit Service (M) Bhd's overall GF Score™ is 88/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current PB Ratio is 0.91 as of Jul. 19, 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 RM5.61 is trading 23% below its estimated GF Value™ of RM7.29.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
PB Ratio: 0.91 (40% below median its 10-year median of 1.51)
GF Value™: RM7.29 vs. price of RM5.61 (23% below fair value)
Industry Position: 14.2% below the Credit Services median (#224 of 526)
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
Get the complete analysis for XKLS:5139
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:5139 has been successfully added to your 
