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.
Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
As of May. 2026, AEON Credit Service (M) Bhd has a Sloan Ratio of 5.90%, indicating the company is in the safe zone and there is no funny business with accruals.
AEON Credit Service (M) Bhd (XKLS:5139) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of May. 2026, AEON Credit Service (M) Bhd has a Sloan Ratio of 5.90%, indicating the company is in the safe zone and there is no funny business with accruals.
AEON Credit Service (M) Bhd Sloan Ratio % Related Terms
AEON Credit Service (M) Bhd Sloan Ratio % 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.
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Sloan Ratio %, along with its competitors' market caps and Sloan Ratio % 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 Sloan Ratio % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Sloan Ratio % falls into.
AEON Credit Service (M) Bhd Sloan Ratio % Calculation
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
AEON Credit Service (M) Bhd's Net Income for the trailing twelve months (TTM) ended in May. 2026 was 72.23 (Aug. 2025 ) + 90.382 (Nov. 2025 ) + 144.296 (Feb. 2026 ) + 95.163 (May. 2026 ) = RM402 Mil.
AEON Credit Service (M) Bhd's Cash Flow from Operations for the trailing twelve months (TTM) ended in May. 2026 was -226.381 (Aug. 2025 ) + -92.975 (Nov. 2025 ) + -3.457 (Feb. 2026 ) + -84.454 (May. 2026 ) = RM-407 Mil.
AEON Credit Service (M) Bhd's Cash Flow from Investing for the trailing twelve months (TTM) ended in May. 2026 was -8.076 (Aug. 2025 ) + -7.594 (Nov. 2025 ) + -137.977 (Feb. 2026 ) + -9.333 (May. 2026 ) = RM-163 Mil.
* 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 (XKLS:5139) has a Sloan Ratio % of 5.90% as of May. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on AEON Credit Service (M) Bhd and its competitors.
Is AEON Credit Service (M) Bhd's Sloan Ratio % too high?
AEON Credit Service (M) Bhd's current Sloan Ratio % is 5.90%. 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 Sloan Ratio % compare to V and MA?
AEON Credit Service (M) Bhd's Sloan Ratio % of 5.90% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Sloan Ratio % for a Credit Services company?
A good Sloan Ratio % depends on the Credit Services industry context. However, Sloan Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on AEON Credit Service (M) Bhd and its competitors. AEON Credit Service (M) Bhd's current Sloan Ratio % is 5.90%. 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 RM7.19, compared to a current price of RM5.62 — trading 21.8% below its estimated fair value. The current Sloan Ratio % is 5.90%. 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 Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Sloan Ratio % is 5.90% 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 RM5.62 is trading 21.8% below its estimated GF Value™ of RM7.19.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
Sloan Ratio %: 5.90%
GF Value™: RM7.19 vs. price of RM5.62 (21.8% below fair value)
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
Sloan Ratio % 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 
