AEON Credit Service (M) Bhd (XKLS:5139) Scaled Net Operating Assets: 0.94 (As of Feb. 2026)


XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
89 GF Score
Price RM5.59
GF Value RM7.78
Valuation Modestly Undervalued
! 4 Warning Signs
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What is AEON Credit Service (M) Bhd Scaled Net Operating Assets?

AEON Credit Service (M) Bhd XKLS:5139 +0.54% 89 Scaled Net Operating Assets is 0.94 as of Feb. 2026. GuruFocus rates XKLS:5139 with a GF Score™ of 89/100 and a GF Value™ of RM7.78 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AEON Credit Service (M) Bhd's operating assets for the quarter that ended in Feb. 2026 was RM15,736 Mil. AEON Credit Service (M) Bhd's operating liabilities for the quarter that ended in Feb. 2026 was RM1,003 Mil. AEON Credit Service (M) Bhd's Total Assets for the quarter that ended in Nov. 2025 was RM15,620 Mil. Therefore, AEON Credit Service (M) Bhd's scaled net operating assets (SNOA) for the quarter that ended in Feb. 2026 was 0.94.


AEON Credit Service (M) Bhd Scaled Net Operating Assets Historical Data

* Premium members only.

The historical data trend for AEON Credit Service (M) Bhd's Scaled Net Operating Assets 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 Scaled Net Operating Assets Chart

AEON Credit Service (M) Bhd Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Scaled Net Operating Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.89 1.01 1.08 1.08 1.03

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
Scaled Net Operating Assets 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 0.98 0.96 0.96 0.95 0.94

XKLS:5139 vs V, MA, AXP: Scaled Net Operating Assets Comparison

For the Credit Services subindustry, AEON Credit Service (M) Bhd's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry

For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where AEON Credit Service (M) Bhd's Scaled Net Operating Assets falls into.


XKLS:5139
89GF Score
AEON Credit Service (M) Bhd XKLS:5139
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

AEON Credit Service (M) Bhd Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AEON Credit Service (M) Bhd's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Feb. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Feb. 2026 )
=(Operating Assets (A: Feb. 2026 )-Operating Liabilities (A: Feb. 2026 ))/Total Assets (A: Feb. 2025 )
=(15736.376-1003.477)/14343.858
=1.03

where

Operating Assets(A: Feb. 2026 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=16070.517 - 334.141
=15736.376

Operating Liabilities(A: Feb. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=12986.801 - 8029.339 - 3953.985
=1003.477

AEON Credit Service (M) Bhd's Scaled Net Operating Assets (SNOA) for the quarter that ended in Feb. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Feb. 2026 )
=(Operating Assets (Q: Feb. 2026 )-Operating Liabilities (Q: Feb. 2026 ))/Total Assets (Q: Nov. 2025 )
=(15736.376-1003.477)/15620.475
=0.94

where

Operating Assets(Q: Feb. 2026 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=16070.517 - 334.141
=15736.376

Operating Liabilities(Q: Feb. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=12986.801 - 8029.339 - 3953.985
=1003.477

* 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 Scaled Net Operating Assets of 0.94 mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a Scaled Net Operating Assets of 0.94 as of Feb. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on AEON Credit Service (M) Bhd and its competitors.
Is AEON Credit Service (M) Bhd's Scaled Net Operating Assets too high?
AEON Credit Service (M) Bhd's current Scaled Net Operating Assets is 0.94. 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 Scaled Net Operating Assets compare to V and MA?
AEON Credit Service (M) Bhd's Scaled Net Operating Assets of 0.94 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on AEON Credit Service (M) Bhd and its competitors. AEON Credit Service (M) Bhd's current Scaled Net Operating Assets is 0.94. 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 RM7.78, compared to a current price of RM5.59 — trading 28.1% below its estimated fair value. The current Scaled Net Operating Assets is 0.94. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Scaled Net Operating Assets is 0.94 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 RM5.59 is trading 28.1% below its estimated GF Value™ of RM7.78. GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.

Key valuation signals for XKLS:5139:

  • Scaled Net Operating Assets: 0.94
  • GF Value™: RM7.78 vs. price of RM5.59 (28.1% below fair value)
  • GF Score™: 89/100 with 4 warning signs

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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RM5.59
Price
RM7.78
GF Value