AEON Credit Service (M) BhdXKLS:5139 -0.36%89 Altman Z-Score is 0.61 as of Jul. 03, 2026, which is 28% below its 10-year median of 0.85. 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. Among 406 Credit Services companies, AEON Credit Service (M) Bhd ranks worse than 81.03% on this metric.
The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.
Warning Sign:
Altman Z-score of 0.62 is in distress zone. This implies bankruptcy possibility in the next two years.
AEON Credit Service (M) Bhd has a Altman Z-Score of 0.61, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
The zones of discrimination were as such:
When Altman Z-Score <= 1.8, it is in Distress Zones.
When Altman Z-Score >= 3, it is in Safe Zones.
When Altman Z-Score is between 1.8 and 3, it is in Grey Zones.
The historical rank and industry rank for AEON Credit Service (M) Bhd's Altman Z-Score or its related term are showing as below:
XKLS:5139'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.62 Med: 0.85 Max: 1.09
Current: 0.62
During the past 13 years, AEON Credit Service (M) Bhd's highest Altman Z-Score was 1.09. The lowest was 0.62. And the median was 0.85.
AEON Credit Service (M) Bhd (XKLS:5139) Altman Z-Score Explanation
X1: The Working Capital/Total Assets (WC/TA) ratio is a measure of the net liquid assets of the firm relative to the total capitalization. Working capital is defined as the difference between current assets and current liabilities. Ordinarily, a firm experiencing consistent operating losses will have shrinking current assets in relation to total assets. Altman found this one proved to be the most valuable liquidity ratio comparing with the current ratio and the quick ratio. This is however the least significant of the five factors.
X2: Retained Earnings/Total Assets: the RE/TA ratio measures the leverage of a firm. Retained earnings is the account which reports the total amount of reinvested earnings and/or losses of a firm over its entire life. Those firms with high RE, relative to TA, have financed their assets through retention of profits and have not utilized as much debt.
X3, Earnings Before Interest and Taxes/Total Assets (EBIT/TA): This ratio is a measure of the true productivity of the firm's assets, independent of any tax or leverage factors. Since a firm's ultimate existence is based on the earning power of its assets, this ratio appears to be particularly appropriate for studies dealing with corporate failure. This ratio continually outperforms other profitability measures, including cash flow.
X4, Market Value of Equity/Book Value of Total Liabilities (MVE/TL): The measure shows how much the firm's assets can decline in value (measured by market value of equity plus debt) before the liabilities exceed the assets and the firm becomes insolvent.
X5, Revenue/Total Assets (S/TA): The capital-turnover ratio is a standard financial ratio illustrating the sales generating ability of the firm's assets.
* 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: Altman Z-Score Comparison
For the Credit Services subindustry, AEON Credit Service (M) Bhd's Altman Z-Score, along with its competitors' market caps and Altman Z-Score 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 Altman Z-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Credit Service (M) Bhd's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where AEON Credit Service (M) Bhd's Altman Z-Score falls into.
AEON Credit Service (M) Bhd Altman Z-Score Calculation
Altman Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
* 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. GuruFocus does not calculate Altman Z-Score when X4 or X5 value is 0.
AEON Credit Service (M) Bhd (XKLS:5139) has a Altman Z-Score of 0.61 as of Jul. 03, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on AEON Credit Service (M) Bhd and its competitors. This is 28% below median its historical median of 0.85. Over the past decade, AEON Credit Service (M) Bhd's Altman Z-Score has ranged from 0.62 to 1.09. According to the industry distribution chart, AEON Credit Service (M) Bhd ranks #329 out of 406 companies in the Credit Services industry, placing it in the top 81%.
Is AEON Credit Service (M) Bhd's Altman Z-Score too high?
AEON Credit Service (M) Bhd's current Altman Z-Score of 0.61 is 28% below median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 1.09. The Credit Services industry median Altman Z-Score is 1.74. AEON Credit Service (M) Bhd's value of 0.61 is 64.9% below this industry median. Based on the distribution chart, AEON Credit Service (M) Bhd ranks #329 out of 406 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Altman Z-Score compare to V and MA?
According to the Credit Services industry distribution chart, AEON Credit Service (M) Bhd ranks #329 out of 406 companies for Altman Z-Score. This places AEON Credit Service (M) Bhd in the lower half of its industry. The industry median Altman Z-Score is 1.74. AEON Credit Service (M) Bhd's value of 0.61 is 64.9% below this benchmark. Historically, AEON Credit Service (M) Bhd's own Altman Z-Score has ranged from 0.62 to 1.09 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.74, 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 Altman Z-Score for a Credit Services company?
The median Altman Z-Score among Credit Services companies is 1.74, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Altman Z-Score significantly above this median, while those in the bottom quartile fall well below. However, Altman Z-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AEON Credit Service (M) Bhd's current Altman Z-Score of 0.61 is 64.9% 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 Altman Z-Score mean?
A high Altman Z-Score can signal that a stock is expensive relative to its fundamentals. The Altman Z-score measures a company's bankruptcy risk. View historical data on AEON Credit Service (M) Bhd and its competitors. For the Credit Services industry, the median Altman Z-Score is 1.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Credit Service (M) Bhd's current Altman Z-Score is 0.61, which is 28% below median its own 10-year median of 0.85. 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 Altman Z-Score is 0.61, which is 28% below median its 10-year median of 0.85 and 64.9% below the Credit Services industry median of 1.74. 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 Altman Z-Score calculated?
Altman Z-Score is calculated from a company's financial statements. For AEON Credit Service (M) Bhd (XKLS:5139), the current Altman Z-Score is 0.61 as of Jul. 03, 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:
Altman Z-Score: 0.61 (28% below median its 10-year median of 0.85)
GF Value™: RM7.78 vs. price of RM5.56 (28.5% below fair value)
Industry Position: 64.9% below the Credit Services median (#329 of 406)
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.
89GF Score
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