AEON Credit Service (M) Bhd (XKLS:5139) ROCE %: 7.15% (As of Feb. 2026)


XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
89 GF Score
Price RM5.78
GF Value RM7.79
Valuation Modestly Undervalued
! 4 Warning Signs
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What is AEON Credit Service (M) Bhd ROCE %?

AEON Credit Service (M) Bhd XKLS:5139 -1.53% 89 ROCE % is 7.15% as of Feb. 2026. GuruFocus rates XKLS:5139 with a GF Score™ of 89/100 and a GF Value™ of RM7.79 (Modestly Undervalued). The stock has 4 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. AEON Credit Service (M) Bhd's annualized ROCE % for the quarter that ended in Feb. 2026 was 7.15%.

AEON Credit Service (M) Bhd  (XKLS:5139) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

AEON Credit Service (M) Bhd ROCE % Related Terms

AEON Credit Service (M) Bhd ROCE % Historical Data

* Premium members only.

The historical data trend for AEON Credit Service (M) Bhd's ROCE % 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 ROCE % Chart

AEON Credit Service (M) Bhd Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.05 6.22 6.52 6.08 5.31

AEON Credit Service (M) Bhd Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
ROCE % 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 8.11 4.33 4.08 4.69 7.15
XKLS:5139
89GF Score
AEON Credit Service (M) Bhd XKLS:5139
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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AEON Credit Service (M) Bhd ROCE % Calculation

AEON Credit Service (M) Bhd's annualized ROCE % for the fiscal year that ended in Feb. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Feb. 2026 )  (A: Feb. 2025 )(A: Feb. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Feb. 2026 )  (A: Feb. 2025 )(A: Feb. 2026 )
=552.272/( ( (14343.858 - 4673.443) + (16070.517 - 4957.462) )/ 2 )
=552.272/( (9670.415+11113.055)/ 2 )
=552.272/10391.735
=5.31 %

AEON Credit Service (M) Bhd's ROCE % of for the quarter that ended in Feb. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Feb. 2026 )  (Q: Nov. 2025 )(Q: Feb. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Feb. 2026 )  (Q: Nov. 2025 )(Q: Feb. 2026 )
=804.584/( ( (15620.475 - 4234.65) + (16070.517 - 4957.462) )/ 2 )
=804.584/( ( 11385.825 + 11113.055 )/ 2 )
=804.584/11249.44
=7.15 %

(1) Note: The EBIT data used here is four times the quarterly (Feb. 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 7.15% mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a ROCE % of 7.15% as of Feb. 2026.
Is AEON Credit Service (M) Bhd's ROCE % too high?
AEON Credit Service (M) Bhd's current ROCE % is 7.15%. The Credit Services industry median ROCE % is 3.39. AEON Credit Service (M) Bhd's value of 7.15% is 110.9% above this industry median. 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 ROCE % compare to V and MA?
AEON Credit Service (M) Bhd's ROCE % of 7.15% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. AEON Credit Service (M) Bhd's value of 7.15% is 110.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current ROCE % of 7.15% is 110.9% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current ROCE % is 7.15%. 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 RM7.79, compared to a current price of RM5.78 — trading 25.8% below its estimated fair value. The current ROCE % is 7.15% and 110.9% above the Credit Services industry median of 3.39. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current ROCE % is 7.15% 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 RM5.78 is trading 25.8% below its estimated GF Value™ of RM7.79. GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5139:

  • ROCE %: 7.15%
  • GF Value™: RM7.79 vs. price of RM5.78 (25.8% below fair value)
  • GF Score™: 89/100 with 4 warning signs
  • Industry Position: 110.9% above the Credit Services median

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.
89GF Score

Get the complete analysis for XKLS:5139

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

RM5.78
Price
RM7.79
GF Value