AEON Credit Service (M) Bhd (XKLS:5139) Asset Turnover: 0.04 (As of Feb. 2026)


XKLS:5139 AEON Credit Service (M) Bhd XKLS:5139
89 GF Score
Price RM5.56
GF Value RM7.78
Valuation Modestly Undervalued
! 4 Warning Signs
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What is AEON Credit Service (M) Bhd Asset Turnover?

AEON Credit Service (M) Bhd XKLS:5139 -0.36% 89 Asset Turnover is 0.04 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.

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. AEON Credit Service (M) Bhd's Revenue for the three months ended in Feb. 2026 was RM631 Mil. AEON Credit Service (M) Bhd's Total Assets for the quarter that ended in Feb. 2026 was RM15,845 Mil. Therefore, AEON Credit Service (M) Bhd's Asset Turnover for the quarter that ended in Feb. 2026 was 0.04.

Asset Turnover is linked to ROE % through Du Pont Formula. AEON Credit Service (M) Bhd's annualized ROE % for the quarter that ended in Feb. 2026 was 19.34%. It is also linked to ROA % through Du Pont Formula. AEON Credit Service (M) Bhd's annualized ROA % for the quarter that ended in Feb. 2026 was 3.64%.


AEON Credit Service (M) Bhd  (XKLS:5139) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

AEON Credit Service (M) Bhd's annulized ROE % for the quarter that ended in Feb. 2026 is

ROE %**(Q: Feb. 2026 )
=Net Income/Total Stockholders Equity
=577.184/2985.0955
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(577.184 / 2525.824)*(2525.824 / 15845.496)*(15845.496/ 2985.0955)
=Net Margin %*Asset Turnover*Equity Multiplier
=22.85 %*0.1594*5.3082
=ROA %*Equity Multiplier
=3.64 %*5.3082
=19.34 %

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.

* 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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

AEON Credit Service (M) Bhd's annulized ROA % for the quarter that ended in Feb. 2026 is

ROA %(Q: Feb. 2026 )
=Net Income/Total Assets
=577.184/15845.496
=(Net Income / Revenue)*(Revenue / Total Assets)
=(577.184 / 2525.824)*(2525.824 / 15845.496)
=Net Margin %*Asset Turnover
=22.85 %*0.1594
=3.64 %

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.

* 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

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.


AEON Credit Service (M) Bhd Asset Turnover Related Terms


AEON Credit Service (M) Bhd Asset Turnover Historical Data

* Premium members only.

The historical data trend for AEON Credit Service (M) Bhd's Asset Turnover 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 Asset Turnover Chart

AEON Credit Service (M) Bhd Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Asset Turnover
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.15 0.15 0.16 0.16 0.16

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
Asset Turnover 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 0.04 0.04 0.04 0.04 0.04

XKLS:5139 vs V, MA, AXP: Asset Turnover Comparison

For the Credit Services subindustry, AEON Credit Service (M) Bhd's Asset Turnover, along with its competitors' market caps and Asset Turnover 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 Asset Turnover vs Credit Services Industry

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

* The bar in red indicates where AEON Credit Service (M) Bhd's Asset Turnover falls into.


XKLS:5139
89GF Score
AEON Credit Service (M) Bhd XKLS:5139
Asset Turnover is just one metric. See GF Score™, valuation, warning signs, and more.
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AEON Credit Service (M) Bhd Asset Turnover Calculation

Asset Turnover measures how quickly a company turns over its asset through sales.

AEON Credit Service (M) Bhd's Asset Turnover for the fiscal year that ended in Feb. 2026 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Feb. 2026 )/( (Total Assets (A: Feb. 2025 )+Total Assets (A: Feb. 2026 ))/ count )
=2471.668/( (14343.858+16070.517)/ 2 )
=2471.668/15207.1875
=0.16

AEON Credit Service (M) Bhd's Asset Turnover for the quarter that ended in Feb. 2026 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Feb. 2026 )/( (Total Assets (Q: Nov. 2025 )+Total Assets (Q: Feb. 2026 ))/ count )
=631.456/( (15620.475+16070.517)/ 2 )
=631.456/15845.496
=0.04

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.

Frequently Asked Questions Learn more about Asset Turnover →
What does a Asset Turnover of 0.04 mean?
AEON Credit Service (M) Bhd (XKLS:5139) has a Asset Turnover of 0.04 as of Feb. 2026. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on AEON Credit Service (M) Bhd and its competitors.
Is AEON Credit Service (M) Bhd's Asset Turnover too high?
AEON Credit Service (M) Bhd's current Asset Turnover is 0.04. 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 Asset Turnover compare to V and MA?
AEON Credit Service (M) Bhd's Asset Turnover of 0.04 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 Asset Turnover for a Credit Services company?
A good Asset Turnover depends on the Credit Services industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on AEON Credit Service (M) Bhd and its competitors. AEON Credit Service (M) Bhd's current Asset Turnover is 0.04. 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 RM5.56 — trading 28.5% below its estimated fair value. The current Asset Turnover is 0.04. 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 Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Asset Turnover is 0.04 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 RM5.56 is trading 28.5% 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:

  • Asset Turnover: 0.04
  • GF Value™: RM7.78 vs. price of RM5.56 (28.5% 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

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

RM5.56
Price
RM7.78
GF Value