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 +0.89%88 3-Year ROIIC % is 0.51 as of Feb. 2026, which is 73% below its 10-year median of 1.88. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.28 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 393 Credit Services companies, AEON Credit Service (M) Bhd ranks worse than 61.83% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
AEON Credit Service (M) Bhd's 3-Year ROIIC % for the quarter that ended in Feb. 2026 was 0.51%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for AEON Credit Service (M) Bhd's 3-Year ROIIC % or its related term are showing as below:
XKLS:5139's 3-Year ROIIC % is ranked worse than 61.83% of 393
companies
in the Credit Services industry
Industry Median: 2.76
vs XKLS:5139: 0.51
AEON Credit Service (M) Bhd (XKLS:5139) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
AEON Credit Service (M) Bhd 3-Year ROIIC % Related Terms
AEON Credit Service (M) Bhd 3-Year ROIIC % 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.
XKLS:5139 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
AEON Credit Service (M) Bhd (XKLS:5139) has a 3-Year ROIIC % of 0.51 as of Feb. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 73% below median its historical median of 1.88. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #243 out of 393 companies in the Credit Services industry, placing it in the top 61.8%.
Is AEON Credit Service (M) Bhd's 3-Year ROIIC % too high?
AEON Credit Service (M) Bhd's current 3-Year ROIIC % of 0.51 is 73% below median its 10-year median of 1.88. The Credit Services industry median 3-Year ROIIC % is 2.76. AEON Credit Service (M) Bhd's value of 0.51 is 81.5% below this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #243 out of 393 companies in the Credit Services industry, which is below 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 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #243 out of 393 companies for 3-Year ROIIC %. This places AEON Credit Service (M) Bhd in the lower half of its industry. The industry median 3-Year ROIIC % is 2.76. AEON Credit Service (M) Bhd's value of 0.51 is 81.5% below this benchmark. While the company's 10-year median is 1.88 vs. the industry median of 2.76, AEON Credit Service (M) Bhd has consistently been below 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.76, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current 3-Year ROIIC % of 0.51 is 81.5% below 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current 3-Year ROIIC % is 0.51, which is 73% below median its own 10-year median of 1.88. 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 RM7.28, compared to a current price of RM5.65 — trading 22.4% below its estimated fair value. The current 3-Year ROIIC % is 0.51, which is 73% below median its 10-year median of 1.88 and 81.5% below the Credit Services industry median of 2.76. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current 3-Year ROIIC % is 0.51 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 RM5.65 is trading 22.4% below its estimated GF Value™ of RM7.28.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
3-Year ROIIC %: 0.51 (73% below median its 10-year median of 1.88)
GF Value™: RM7.28 vs. price of RM5.65 (22.4% below fair value)
Industry Position: 81.5% below the Credit Services median (#243 of 393)
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
3-Year ROIIC % 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 
