AEON Credit Service (M) Berhad (5139) Fair Value & Analysis
Financial Services · MY · Market cap 2.9B MYR
Fair value as of: Jul 13, 2026
From 9 valuation models · updated 28 days ago
Share price −0.5% over the past month.
Below-average quality, screening 72% undervalued on our models.
What matters now
- The price is below even our cautious bear case (7.37 MYR). The market is more pessimistic than our downside scenario.
- Solid quality (47/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range 4.72 MYR – 7.06 MYR · fair‑value band 7.37 MYR – 12.28 MYR · the 5.72 MYR price screens below the 9.82 MYR fair value. Dashed = 300-day average. As of Jul 13, 2026.
Analysis
AEON Credit Service (M) Berhad (5139) currently trades at 5.72 MYR, while our model-based Fair Value estimate is 9.82 MYR, implying the stock looks roughly 71.7% undervalued today. The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, AEON Credit Service (M) Berhad generated revenue of 2.0B MYR at a net margin of 19.7%. Revenue grew 25.6% year over year. It earns a return on equity of 13.0%. Net debt stands at 11.5B MYR. Fundamentals as of Jul 13, 2026
Our scenario range runs from 7.37 MYR (bear case) to 12.28 MYR (bull case); at 5.72 MYR, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 7% below its 52-week high and 21% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 72%, 5139 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 9 models by family
Widest divergence: Earnings-Based (10.75 MYR) versus Asset-Based (4.02 MYR). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 35 · Market factors (momentum, volatility) 63
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
AEON Credit Service (M) Berhad provides consumer financial services in Malaysia. It offers easy payment and personal financing schemes based on Islamic principles; and issues payment cards under the Visa and MasterCard brand names.
Full company description
AEON Credit Service (M) Berhad provides consumer financial services in Malaysia. It offers easy payment and personal financing schemes based on Islamic principles; and issues payment cards under the Visa and MasterCard brand names. The company also provides credit and prepaid cards; AEON Wallet app; hire purchase financing for motor vehicles; insurance brokerage; motorcycle, auto, SME, and objective financing; Islamic digital banking; and other related services. It operates through various branches and service centers. The company was incorporated in 1996 and is headquartered in Kuala Lumpur, Malaysia. AEON Credit Service (M) Berhad is a subsidiary of AEON Financial Service Co., Ltd.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
AEON Credit Service (M) Berhad reported revenue of 2.7B MYR in FY2026 versus 1.5B MYR in FY2022, a compound +15.2%/yr. Reported net income was 386M MYR in FY2026, compounding +1.4%/yr from FY2022.
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Peer Group
Credit Services · 333 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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