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
RM4.53
RM2.3B
5.73%
52-Week Range
4-engine score — Quality and Peers engines require SEC EDGAR (US stocks only)
Operating margin 25.3% — high profitability.
P/E 6.0× — 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 →Policy Rate
2.75%→
Moderate
CPI Inflation
1.80%→
Near target · +0.10% MoM
Unemployment
2.90%↓
Tight labour market
GDP Growth
6.00%↑
Strong
USD/MYR
4.08→
Current Account
1.61% GDP↑
Surplus
The Malaysia central bank policy rate stands at 2.75% — a moderately elevated rate environment; CPI inflation is 1.8% year-over-year (inflation near target); unemployment stands at 2.9% (tight labour market); GDP growth is 6.0% year-over-year (strong growth); USD/MYR is at 4.0806.
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.
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.
Technical Signals
Daily closes · 1-year dataAEON Credit Service (M) Berhad: common questions
Is AEON Credit Service (M) Berhad profitable?
Yes. AEON Credit Service (M) Berhad made a net profit of RM386M in its latest fiscal year (fiscal 2026), a net margin of 15.6%.
Is AEON Credit Service (M) Berhad's revenue growing?
Yes. Revenue grew 12.3% year on year, to MYR 2.5B.
What is AEON Credit Service (M) Berhad's P/E ratio?
AEON Credit Service (M) Berhad trades at 6.0× its trailing twelve-month earnings. In other words, the share price is about 6 times the profit per share the company earned over the past year.
Does AEON Credit Service (M) Berhad pay a dividend?
Yes. AEON Credit Service (M) Berhad's forward dividend yield is 5.73%, the expected annual dividend as a share of the current share price.
What are the main risks for AEON Credit Service (M) Berhad?
Fisclear's checks flag 1 medium- or high-severity risk. The most serious: Stock is within 10% of its 52-week low (4.79) — the market may be pricing in significant risk or sector weakness.
Answers are generated from the figures in this report (updated 9 Oct 2026). Information, not investment advice.
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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.