In short
AEON Credit Service (M) Berhad (5139.KL) has revenue up 12.3% to MYR 2.5B and net income up 4.1% to MYR 385.9M year on year. Its net margin is 15.6% and gross margin 70.0%, and it trades at 6.4× trailing earnings. Fisclear flags 1 medium-severity risk and no high-severity ones. How we calculate this
Valuation
Financial ServicesLive · Yahoo FinancePrice
RM4.85
RM2.5B
5.36%
52-Week Range
4-engine score — Quality and Peers engines require SEC EDGAR (US stocks only)
Operating margin 25.3% — high profitability.
P/E 6.4× — low multiple.
⚠ Negative FCF — consuming cash.
Based on filing period ending Feb 2026
International FisclearScore uses 4 engines (no EDGAR data). Based on Yahoo Finance & Alpha Vantage reported financials. Not financial advice.
🇲🇾 Malaysia Macro Indicators
Full dashboard →CPI Inflation
1.38%→
Near target
Unemployment
3.76%↓
Tight labour market
GDP Growth
5.17%↑
Strong
USD/MYR
4.08→
Current Account
1.61% GDP↑
Surplus
CPI inflation is 1.4% year-over-year (inflation near target); unemployment stands at 3.8% (tight labour market); GDP growth is 5.2% year-over-year (strong growth); USD/MYR is at 4.0810.
SWOT Analysis — 5139.KL
Inflationary BoomStrengths
Operating Cash Flow: -MYR 532.7M (+40.6% YoY) — Negative operating cash flow — the business consumed more cash than it produced from operations.
Revenue: MYR 2.5B (+12.3% YoY) — Revenue grew 12% — the company sold more goods or services than the prior year.
Gross Profit: MYR 1.7B (+12.2% YoY) — Gross profit rose 12% — the spread between revenue and direct costs improved.
Total Assets: MYR 16.1B (+12.0% YoY) — Total assets grew 12% — the company's resource base expanded.
Weaknesses
Price-to-book ratio of 0.79x — stock trades below book value, which may indicate market concerns about asset quality or profitability.
Opportunities
Net Income: MYR 385.9M (+4.1% YoY) — Profit grew 4% — the company kept more of each dollar earned.
Threats
Stock is within 10% of its 52-week low (4.79) — the market may be pricing in significant risk or sector weakness.
Financial Charts
Year-over-Year Changes
Operating Cash Flow
-MYR 532.7M
was -MYR 897.3M
Negative operating cash flow — the business consumed more cash than it produced from operations.
Revenue
MYR 2.5B
was MYR 2.2B
Revenue grew 12% — the company sold more goods or services than the prior year.
Gross Profit
MYR 1.7B
was MYR 1.5B
Gross profit rose 12% — the spread between revenue and direct costs improved.
Total Assets
MYR 16.1B
was MYR 14.3B
Total assets grew 12% — the company's resource base expanded.
Net Income
MYR 385.9M
was MYR 370.6M
Profit grew 4% — the company kept more of each dollar earned.
Risk Flags
0 high · 1 medium · 1 low- ◈ Medium
Stock is within 10% of its 52-week low (4.79) — the market may be pricing in significant risk or sector weakness.
- ○ Low
Price-to-book ratio of 0.79x — stock trades below book value, which may indicate market concerns about asset quality or profitability.
Price HistoryMYR
Technical Signals
Daily closes · 1-year dataLatest News
via FinnhubGet the weekly digest
5 company reports + macro context every week, free. No spam.
- Unlimited goal simulations
- 5 free company report summaries per day
- Weekly financial insights newsletter
External Links
Research AEON Credit Service (M) Berhad
Data sourced from Bursa Malaysia, FRED (Federal Reserve), OECD, BIS, and Yahoo Finance. For informational purposes only. Not financial advice.