AEON Credit Service (M) BhdXKLS:5139 -0.36%89 Pretax Margin % is 31.66% as of Feb. 2026, which is 3% above its 10-year median of 30.71. GuruFocus rates XKLS:5139 with a GF Score™ of 89/100 and a GF Value™ of RM7.78 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 533 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 53.66% on this metric.
The historical rank and industry rank for AEON Credit Service (M) Bhd's Pretax Margin % or its related term are showing as below:
XKLS:5139'
s Pretax Margin % Range Over the Past 10 Years
Min: 20.81 Med: 30.71 Max: 34.57
Current: 21.75
XKLS:5139's Pretax Margin % is ranked better than 53.66% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs XKLS:5139: 21.75
AEON Credit Service (M) Bhd (XKLS:5139) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
AEON Credit Service (M) Bhd Pretax Margin % Related Terms
AEON Credit Service (M) Bhd Pretax 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.
XKLS:5139 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Pretax Margin % 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.
AEON Credit Service (M) Bhd (XKLS:5139) has a Pretax Margin % of 31.66% as of Feb. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on AEON Credit Service (M) Bhd and its competitors. This is near median its historical median of 30.71. Over the past decade, AEON Credit Service (M) Bhd's Pretax Margin % has ranged from 20.81 to 34.57. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #247 out of 533 companies in the Credit Services industry, placing it in the top 46.3%.
Is AEON Credit Service (M) Bhd's Pretax Margin % too high?
AEON Credit Service (M) Bhd's current Pretax Margin % of 31.66% is near median its 10-year median of 30.71. Over the past 10 years, this metric has ranged from a low of 20.81 to a high of 34.57. The Credit Services industry median Pretax Margin % is 20.02. AEON Credit Service (M) Bhd's value of 31.66% is 58.1% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #247 out of 533 companies in the Credit Services industry, which is above the industry midpoint. 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #247 out of 533 companies for Pretax Margin %. This puts AEON Credit Service (M) Bhd in the upper half of its industry. The industry median Pretax Margin % is 20.02. AEON Credit Service (M) Bhd's value of 31.66% is 58.1% above this benchmark. Historically, AEON Credit Service (M) Bhd's own Pretax Margin % has ranged from 20.81 to 34.57 over the past decade. While the company's 10-year median is 30.71 vs. the industry median of 20.02, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax 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 Pretax Margin % of 31.66% is 58.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Pretax Margin % is 31.66%, which is near median its own 10-year median of 30.71. 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 RM7.78, compared to a current price of RM5.56 — trading 28.5% below its estimated fair value. The current Pretax Margin % is 31.66%, which is near median its 10-year median of 30.71 and 58.1% above the Credit Services industry median of 20.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Pretax Margin % is 31.66% 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 RM5.56 is trading 28.5% below its estimated GF Value™ of RM7.78.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
Pretax Margin %: 31.66% (near median its 10-year median of 30.71)
GF Value™: RM7.78 vs. price of RM5.56 (28.5% below fair value)
Industry Position: 58.1% above the Credit Services median (#247 of 533)
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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