The historical rank and industry rank for AEON Credit Service (M) Bhd's ROE % or its related term are showing as below:
XKLS:5139'
s ROE % Range Over the Past 10 Years
Min: 12.82 Med: 17.06 Max: 23.13
Current: 13.21
During the past 13 years, AEON Credit Service (M) Bhd's highest ROE % was 23.13%. The lowest was 12.82%. And the median was 17.06%.
XKLS:5139's ROE % is ranked better than 75.99% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs XKLS:5139: 13.21
AEON Credit Service (M) Bhd (XKLS:5139) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Feb. 2026) net income data. The Revenue data used here is four times the quarterly (Feb. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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.
For the Credit Services subindustry, AEON Credit Service (M) Bhd's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's ROE % distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Feb. 2026) net income data.
ROE % is displayed in the 30-year financial page.
AEON Credit Service (M) Bhd (XKLS:5139) has a ROE % of 19.34% as of Feb. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 13% above median its historical median of 17.06. Over the past decade, AEON Credit Service (M) Bhd's ROE % has ranged from 12.82 to 23.13. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #127 out of 529 companies in the Credit Services industry, placing it in the top 24%.
Is AEON Credit Service (M) Bhd's ROE % too high?
AEON Credit Service (M) Bhd's current ROE % of 19.34% is 13% above median its 10-year median of 17.06. Over the past 10 years, this metric has ranged from a low of 12.82 to a high of 23.13. The Credit Services industry median ROE % is 6.61. AEON Credit Service (M) Bhd's value of 19.34% is 192.6% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #127 out of 529 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #127 out of 529 companies for ROE %. This places AEON Credit Service (M) Bhd in the top 24% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. AEON Credit Service (M) Bhd's value of 19.34% is 192.6% above this benchmark. Historically, AEON Credit Service (M) Bhd's own ROE % has ranged from 12.82 to 23.13 over the past decade. While the company's 10-year median is 17.06 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current ROE % of 19.34% is 192.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current ROE % is 19.34%, which is 13% above median its own 10-year median of 17.06. 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 ROE % is 19.34%, which is 13% above median its 10-year median of 17.06 and 192.6% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current ROE % is 19.34% 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:
ROE %: 19.34% (13% above median its 10-year median of 17.06)
GF Value™: RM7.79 vs. price of RM5.78 (25.8% below fair value)
Industry Position: 192.6% above the Credit Services median (#127 of 529)
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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