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AEON Credit Service (M) BhdXKLS:5139 +0.89%88 ROC (Joel Greenblatt) % is 276.66% as of May. 2026, which is 26% above its 10-year median of 220.30. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.27 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 416 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 71.39% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. AEON Credit Service (M) Bhd's annualized ROC (Joel Greenblatt) % for the quarter that ended in May. 2026 was 276.66%.
The historical rank and industry rank for AEON Credit Service (M) Bhd's ROC (Joel Greenblatt) % or its related term are showing as below:
XKLS:5139'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 15.05 Med: 220.3 Max: 369.42
Current: 290.7
During the past 13 years, AEON Credit Service (M) Bhd's highest ROC (Joel Greenblatt) % was 369.42%. The lowest was 15.05%. And the median was 220.30%.
XKLS:5139's ROC (Joel Greenblatt) % is ranked better than 71.39% of 416
companies
in the Credit Services industry
Industry Median: 38.59
vs XKLS:5139: 290.70
AEON Credit Service (M) Bhd (XKLS:5139) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
* 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 ROC (Joel Greenblatt) % Chart
XKLS:5139 vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's ROC (Joel Greenblatt) % falls into.
AEON Credit Service (M) Bhd ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (May. 2026) EBIT 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.
What does a ROC (Joel Greenblatt) % of 276.66% mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a ROC (Joel Greenblatt) % of 276.66% as of May. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 26% above median its historical median of 220.30. Over the past decade, AEON Credit Service (M) Bhd's ROC (Joel Greenblatt) % has ranged from 15.05 to 369.42. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #119 out of 416 companies in the Credit Services industry, placing it in the top 28.6%.
Is AEON Credit Service (M) Bhd's ROC (Joel Greenblatt) % too high?
AEON Credit Service (M) Bhd's current ROC (Joel Greenblatt) % of 276.66% is 26% above median its 10-year median of 220.30. Over the past 10 years, this metric has ranged from a low of 15.05 to a high of 369.42. The Credit Services industry median ROC (Joel Greenblatt) % is 38.59. AEON Credit Service (M) Bhd's value of 276.66% is 616.9% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #119 out of 416 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #119 out of 416 companies for ROC (Joel Greenblatt) %. This puts AEON Credit Service (M) Bhd in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 38.59. AEON Credit Service (M) Bhd's value of 276.66% is 616.9% above this benchmark. Historically, AEON Credit Service (M) Bhd's own ROC (Joel Greenblatt) % has ranged from 15.05 to 369.42 over the past decade. While the company's 10-year median is 220.30 vs. the industry median of 38.59, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.59, based on 416 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current ROC (Joel Greenblatt) % of 276.66% is 616.9% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current ROC (Joel Greenblatt) % is 276.66%, which is 26% above median its own 10-year median of 220.30. 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 RM7.27, compared to a current price of RM5.65 — trading 22.3% below its estimated fair value. The current ROC (Joel Greenblatt) % is 276.66%, which is 26% above median its 10-year median of 220.30 and 616.9% above the Credit Services industry median of 38.59. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current ROC (Joel Greenblatt) % is 276.66% 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 RM5.65 is trading 22.3% below its estimated GF Value™ of RM7.27.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
ROC (Joel Greenblatt) %: 276.66% (26% above median its 10-year median of 220.30)
GF Value™: RM7.27 vs. price of RM5.65 (22.3% below fair value)
Industry Position: 616.9% above the Credit Services median (#119 of 416)
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
ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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