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AEON Credit Service (M) BhdXKLS:5139 -0.71%88 5-Year Yield-on-Cost % is 10.24 as of Aug. 02, 2026, which is 47% above its 10-year median of 6.96. GuruFocus rates XKLS:5139 with a GF Score™ of 88/100 and a GF Value™ of RM7.26 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 210 Credit Services companies, AEON Credit Service (M) Bhd ranks better than 83.81% on this metric.
The historical rank and industry rank for AEON Credit Service (M) Bhd's 5-Year Yield-on-Cost % or its related term are showing as below:
XKLS:5139'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.6 Med: 6.96 Max: 11.75
Current: 10.24
During the past 13 years, AEON Credit Service (M) Bhd's highest Yield on Cost was 11.75. The lowest was 3.60. And the median was 6.96.
XKLS:5139's 5-Year Yield-on-Cost % is ranked better than 83.81% of 210
companies
in the Credit Services industry
Industry Median: 4.54
vs XKLS:5139: 10.24
AEON Credit Service (M) Bhd (XKLS:5139) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
AEON Credit Service (M) Bhd 5-Year Yield-on-Cost % Related Terms
XKLS:5139 vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's 5-Year Yield-on-Cost % falls into.
AEON Credit Service (M) Bhd 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
AEON Credit Service (M) Bhd (XKLS:5139) has a 5-Year Yield-on-Cost % of 10.24 as of Aug. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 47% above median its historical median of 6.96. Over the past decade, AEON Credit Service (M) Bhd's 5-Year Yield-on-Cost % has ranged from 3.60 to 11.75. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #34 out of 210 companies in the Credit Services industry, placing it in the top 16.2%.
Is AEON Credit Service (M) Bhd's 5-Year Yield-on-Cost % too high?
AEON Credit Service (M) Bhd's current 5-Year Yield-on-Cost % of 10.24 is 47% above median its 10-year median of 6.96. Over the past 10 years, this metric has ranged from a low of 3.60 to a high of 11.75. The Credit Services industry median 5-Year Yield-on-Cost % is 4.54. AEON Credit Service (M) Bhd's value of 10.24 is 125.6% above this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #34 out of 210 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 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 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #34 out of 210 companies for 5-Year Yield-on-Cost %. This places AEON Credit Service (M) Bhd in the top 16% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.54. AEON Credit Service (M) Bhd's value of 10.24 is 125.6% above this benchmark. Historically, AEON Credit Service (M) Bhd's own 5-Year Yield-on-Cost % has ranged from 3.60 to 11.75 over the past decade. While the company's 10-year median is 6.96 vs. the industry median of 4.54, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.54, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current 5-Year Yield-on-Cost % of 10.24 is 125.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current 5-Year Yield-on-Cost % is 10.24, which is 47% above median its own 10-year median of 6.96. 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 RM7.26, compared to a current price of RM5.61 — trading 22.7% below its estimated fair value. The current 5-Year Yield-on-Cost % is 10.24, which is 47% above median its 10-year median of 6.96 and 125.6% above the Credit Services industry median of 4.54. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current 5-Year Yield-on-Cost % is 10.24 as of Aug. 02, 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 RM5.61 is trading 22.7% below its estimated GF Value™ of RM7.26.
GuruFocus considers AEON Credit Service (M) Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5139:
5-Year Yield-on-Cost %: 10.24 (47% above median its 10-year median of 6.96)
GF Value™: RM7.26 vs. price of RM5.61 (22.7% below fair value)
Industry Position: 125.6% above the Credit Services median (#34 of 210)
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
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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