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 -0.71%88 Return-on-Tangible-Asset is 2.34% as of May. 2026, which is 35% below its 10-year median of 3.58. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.26 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 548 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 59.49% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. AEON Credit Service (M) Bhd's annualizedNet Income for the quarter that ended in May. 2026 was RM381 Mil. AEON Credit Service (M) Bhd's average total tangible assets for the quarter that ended in May. 2026 was RM16,276 Mil. Therefore, AEON Credit Service (M) Bhd's annualized Return-on-Tangible-Asset for the quarter that ended in May. 2026 was 2.34%.
The historical rank and industry rank for AEON Credit Service (M) Bhd's Return-on-Tangible-Asset or its related term are showing as below:
XKLS:5139'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.26 Med: 3.58 Max: 4.33
Current: 2.57
During the past 13 years, AEON Credit Service (M) Bhd's highest Return-on-Tangible-Asset was 4.33%. The lowest was 2.26%. And the median was 3.58%.
XKLS:5139's Return-on-Tangible-Asset is ranked better than 59.49% of 548
companies
in the Credit Services industry
Industry Median: 1.93
vs XKLS:5139: 2.57
AEON Credit Service (M) Bhd (XKLS:5139) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
AEON Credit Service (M) Bhd Return-on-Tangible-Asset Related Terms
AEON Credit Service (M) Bhd Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
XKLS:5139 vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (May. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.34% mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a Return-on-Tangible-Asset of 2.34% as of May. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 35% below median its historical median of 3.58. Over the past decade, AEON Credit Service (M) Bhd's Return-on-Tangible-Asset has ranged from 2.26 to 4.33. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #222 out of 548 companies in the Credit Services industry, placing it in the top 40.5%.
Is AEON Credit Service (M) Bhd's Return-on-Tangible-Asset too high?
AEON Credit Service (M) Bhd's current Return-on-Tangible-Asset of 2.34% is 35% below median its 10-year median of 3.58. Over the past 10 years, this metric has ranged from a low of 2.26 to a high of 4.33. The Credit Services industry median Return-on-Tangible-Asset is 1.93. AEON Credit Service (M) Bhd's value of 2.34% is 21.2% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #222 out of 548 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 Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #222 out of 548 companies for Return-on-Tangible-Asset. This puts AEON Credit Service (M) Bhd in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.93. AEON Credit Service (M) Bhd's value of 2.34% is 21.2% above this benchmark. Historically, AEON Credit Service (M) Bhd's own Return-on-Tangible-Asset has ranged from 2.26 to 4.33 over the past decade. While the company's 10-year median is 3.58 vs. the industry median of 1.93, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current Return-on-Tangible-Asset of 2.34% is 21.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Return-on-Tangible-Asset is 2.34%, which is 35% below median its own 10-year median of 3.58. 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 RM7.26, compared to a current price of RM5.61 — trading 22.7% below its estimated fair value. The current Return-on-Tangible-Asset is 2.34%, which is 35% below median its 10-year median of 3.58 and 21.2% above the Credit Services industry median of 1.93. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Return-on-Tangible-Asset is 2.34% 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 RM5.61 is trading 22.7% below its estimated GF Value™ of RM7.26.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
Return-on-Tangible-Asset: 2.34% (35% below median its 10-year median of 3.58)
GF Value™: RM7.26 vs. price of RM5.61 (22.7% below fair value)
Industry Position: 21.2% above the Credit Services median (#222 of 548)
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
Return-on-Tangible-Asset 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 
