AEON Credit Service (M) Bhd (XKLS:5139) Retained Earnings: RM2,587 Mil (As of May. 2026)

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XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
87 GF Score
Price RM5.69
GF Value RM7.25
Valuation Modestly Undervalued
! 3 Warning Signs
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What is AEON Credit Service (M) Bhd Retained Earnings?

AEON Credit Service (M) Bhd XKLS:5139 +1.07% 87 Retained Earnings is RM2,587 Mil as of May. 2026. GuruFocus rates XKLS:5139 with a GF Score™ of 87/100 and a GF Value™ of RM7.25 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. AEON Credit Service (M) Bhd's retained earnings for the quarter that ended in May. 2026 was RM2,587 Mil.

AEON Credit Service (M) Bhd's quarterly retained earnings increased from Nov. 2025 (RM2,348 Mil) to Feb. 2026 (RM2,492 Mil) and increased from Feb. 2026 (RM2,492 Mil) to May. 2026 (RM2,587 Mil).

AEON Credit Service (M) Bhd's annual retained earnings increased from Feb. 2024 (RM2,033 Mil) to Feb. 2025 (RM2,247 Mil) and increased from Feb. 2025 (RM2,247 Mil) to Feb. 2026 (RM2,492 Mil).


AEON Credit Service (M) Bhd  (XKLS:5139) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


AEON Credit Service (M) Bhd Retained Earnings Historical Data

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The historical data trend for AEON Credit Service (M) Bhd's Retained Earnings can be seen below:

* 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 Retained Earnings Chart

AEON Credit Service (M) Bhd Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,462.41 1,746.11 2,033.47 2,246.83 2,492.29

AEON Credit Service (M) Bhd Quarterly Data
Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,324.38 2,322.57 2,348.00 2,492.29 2,587.46
XKLS:5139
87GF Score
AEON Credit Service (M) Bhd XKLS:5139
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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AEON Credit Service (M) Bhd Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of RM2,587 Mil mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a Retained Earnings of RM2,587 Mil as of May. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on AEON Credit Service (M) Bhd and its competitors.
Is AEON Credit Service (M) Bhd's Retained Earnings too high?
AEON Credit Service (M) Bhd's current Retained Earnings is RM2,587 Mil. Overall, AEON Credit Service (M) Bhd has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AEON Credit Service (M) Bhd's Retained Earnings compare to V and MA?
AEON Credit Service (M) Bhd's Retained Earnings of RM2,587 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Credit Services company?
A good Retained Earnings depends on the Credit Services industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on AEON Credit Service (M) Bhd and its competitors. AEON Credit Service (M) Bhd's current Retained Earnings is RM2,587 Mil. 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 RM7.25, compared to a current price of RM5.69 — trading 21.5% below its estimated fair value. The current Retained Earnings is RM2,587 Mil. AEON Credit Service (M) Bhd's overall GF Score™ is 87/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Retained Earnings is RM2,587 Mil as of May. 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 RM5.69 is trading 21.5% below its estimated GF Value™ of RM7.25. GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5139:

  • Retained Earnings: RM2,587 Mil
  • GF Value™: RM7.25 vs. price of RM5.69 (21.5% below fair value)
  • GF Score™: 87/100 with 3 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.
87GF Score

Get the complete analysis for XKLS:5139

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

RM5.69
Price
RM7.25
GF Value