AEON Credit Service (M) BhdXKLS:5139 +2.68%88 PEG Ratio is 1.15 as of Jul. 09, 2026, which is 22% below its 10-year median of 1.48. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.77 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 234 Credit Services companies, AEON Credit Service (M) Bhd ranks worse than 57.69% on this metric.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for AEON Credit Service (M) Bhd's PEG Ratio or its related term are showing as below:
XKLS:5139'
s PEG Ratio Range Over the Past 10 Years
Min: 0.28 Med: 1.48 Max: 14.33
Current: 1.15
During the past 13 years, AEON Credit Service (M) Bhd's highest PEG Ratio was 14.33. The lowest was 0.28. And the median was 1.48.
XKLS:5139's PEG Ratio is ranked worse than 57.69% of 234
companies
in the Credit Services industry
Industry Median: 0.88
vs XKLS:5139: 1.15
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
AEON Credit Service (M) Bhd (XKLS:5139) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
AEON Credit Service (M) Bhd PEG Ratio Related Terms
AEON Credit Service (M) Bhd PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's PEG Ratio distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's PEG Ratio falls into.
* 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
AEON Credit Service (M) Bhd (XKLS:5139) has a PEG Ratio of 1.15 as of Jul. 09, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 22% below median its historical median of 1.48. Over the past decade, AEON Credit Service (M) Bhd's PEG Ratio has ranged from 0.28 to 14.33. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #135 out of 234 companies in the Credit Services industry, placing it in the top 57.7%.
Is AEON Credit Service (M) Bhd's PEG Ratio too high?
AEON Credit Service (M) Bhd's current PEG Ratio of 1.15 is 22% below median its 10-year median of 1.48. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 14.33. The Credit Services industry median PEG Ratio is 0.88. AEON Credit Service (M) Bhd's value of 1.15 is 30.7% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #135 out of 234 companies in the Credit Services industry, which is below 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 PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #135 out of 234 companies for PEG Ratio. This places AEON Credit Service (M) Bhd in the lower half of its industry. The industry median PEG Ratio is 0.88. AEON Credit Service (M) Bhd's value of 1.15 is 30.7% above this benchmark. Historically, AEON Credit Service (M) Bhd's own PEG Ratio has ranged from 0.28 to 14.33 over the past decade. While the company's 10-year median is 1.48 vs. the industry median of 0.88, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.88, based on 234 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG 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 PEG Ratio of 1.15 is 30.7% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median PEG Ratio is 0.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current PEG Ratio is 1.15, which is 22% below median its own 10-year median of 1.48. 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 RM7.77, compared to a current price of RM5.75 — trading 26% below its estimated fair value. The current PEG Ratio is 1.15, which is 22% below median its 10-year median of 1.48 and 30.7% above the Credit Services industry median of 0.88. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current PEG Ratio is 1.15 as of Jul. 09, 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 RM5.75 is trading 26% 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:
PEG Ratio: 1.15 (22% below median its 10-year median of 1.48)
GF Value™: RM7.77 vs. price of RM5.75 (26% below fair value)
Industry Position: 30.7% above the Credit Services median (#135 of 234)
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
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