Aeon Credit Service Bhd (5139) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Aeon Credit Service Bhd MYR 8.13, price MYR 5.34, upside +52.3%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 4.72 MYR – 7.06 MYR · fair‑value band 5.30 MYR – 12.28 MYR · the 5.34 MYR price screens below the 8.13 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
Aeon Credit Service Bhd (5139) currently trades at 5.34 MYR, while our model-based Fair Value estimate is 8.13 MYR, implying the stock looks roughly 34.3% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 17.02 MYR per share, and 6 of the 9 models we run sit above the 5.34 MYR price.
Bear case: the Dividend Discount group reads lowest at 3.52 MYR, and 3 of the 9 models stay below the price. Evidence for this calculation is high.
Scenario range: 5.30 MYR (bear) to 12.28 MYR (bull), the price of 5.34 MYR sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Aeon Credit Service Bhd 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.
Key figures
Market cap 2.7B MYR (≈ $669M) · P/E ratio 6.8 · P/S ratio 0.97 · EPS (TTM) 0.7900 MYR · Dividend yield 5.4% · Net margin 14.4% · Return on equity 13.2% · Return on assets (EBIT) 7.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 52%, 5139 screens cheaper than that median.
Fair Value models
Bear 5.30 MYRFair Value 8.13 MYRBull 12.28 MYR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (0.2861 MYR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+22.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.5%
Start year 2021 (pandemic). Over 10 years: +10.8% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.1%
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What shareholders gained per year (last 5 years), in MYR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in MYR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−2.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.0%
Dividend (yield on the price)5.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−8% vs −3%, slowing
Profit margin 2006 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.41% → 41%
Compare Aeon Credit Service Bhd with another stock
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Peer Groupⓘ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.Credit Services · 330 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score43 · Below median
Fair Value upside+52% · Above median
Profitability
Return on equity (TTM)13% · Above median
Return on assets3% · Above median
Net margin (TTM)20% · Below median
Operating margin (TTM)29% · Below median
Growth and dividend
Revenue growth7% · Below median
Dividend yield (TTM)5.4% · Above median
Balance sheet
Debt / equity2.61× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Aeon Credit Service Bhd Fair Value". https://www.fairvalue-calculator.com/stock/5139
Frequently asked questions
Is Aeon Credit Service Bhd (5139) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 8.13 MYR versus a price of 5.34 MYR, about +52% upside (undervalued).
What is the fair value of 5139?
Our model-based fair value for Aeon Credit Service Bhd is 8.13 MYR (as of Sep 24, 2026), built from audited fundamentals. The current price: 5.34 MYR.
What is the quality score of 5139?
Aeon Credit Service Bhd has a Quality Score of 47/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Aeon Credit Service Bhd (5139)?
Our model-based price target is the fair value of 8.13 MYR (as of Sep 24, 2026) from 9 valuation models. Cautious scenario 5.30 MYR, optimistic scenario 12.28 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Aeon Credit Service Bhd stock forecast for 2026?
Our models put fair value at 8.13 MYR, about +52% upside versus a price of 5.34 MYR (undervalued). Cautious scenario 5.30 MYR, optimistic scenario 12.28 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Aeon Credit Service Bhd (5139)?
Aeon Credit Service Bhd reported trailing-twelve-month revenue of about 2.0B MYR (latest available figure, as of Sep 24, 2026).
Does Aeon Credit Service Bhd pay a dividend?
Aeon Credit Service Bhd currently shows a dividend yield of about 5.39% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Aeon Credit Service Bhd (5139)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Aeon Credit Service Bhd it is 8.13 MYR per share (as of Sep 24, 2026), against a price of 5.34 MYR. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Aeon Credit Service Bhd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 5139 trades below its calculated fair value: price 5.34 MYR, fair value 8.13 MYR, a gap of about +52% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 5139?
No. The price is what the market pays today (5.34 MYR); the fair value is what the company's own numbers justify (8.13 MYR). For Aeon Credit Service Bhd the two are 2.79 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Aeon Credit Service Bhd worth?
The market values Aeon Credit Service Bhd at about 2.7B MYR (market capitalisation, as of Sep 24, 2026). Per share that is 5.34 MYR; our models calculate a fair value of 8.13 MYR per share.
What do the bullish and bearish scenarios say about 5139?
Our models span a range for Aeon Credit Service Bhd: cautious scenario 5.30 MYR, base 8.13 MYR, optimistic 12.28 MYR per share (as of Sep 24, 2026, price 5.34 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5139?
Aeon Credit Service Bhd trades at a price-to-earnings ratio of 6.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 8.13 MYR is built from several models across several years. Other multiples: P/B 0.2, P/S 0.3, EV/EBITDA 7.6.
How solid is the balance sheet of Aeon Credit Service Bhd (5139)?
Balance-sheet figures for Aeon Credit Service Bhd (as of Sep 24, 2026): return on equity 13.2%, debt of 2.61 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is 5139 from its 52-week high?
Aeon Credit Service Bhd trades at 5.34 MYR, about 12% below its 52-week high of 6.07 MYR and 4% above the low of 5.14 MYR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 8.13 MYR is for.
Which stocks are comparable to Aeon Credit Service Bhd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Aeon Credit Service Bhd stock attractive at the current price?
The data as of Sep 24, 2026: price 5.34 MYR, calculated fair value 8.13 MYR (+52%), Quality Score 47/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 5139 calculated?
We run Aeon Credit Service Bhd through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 8.13 MYR, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Aeon Credit Service Bhd currently trades 52 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Aeon Credit Service Bhd (5139)?
The closing price on Sep 23, 2026 was 5.34 MYR. Our model-based fair value is 8.13 MYR, about +52% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Aeon Credit Service Bhd right now?
Solid quality (47/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (5.30 MYR to 12.28 MYR) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Aeon Credit Service Bhd (5139) come from?
Earnings per share at Aeon Credit Service Bhd grew −3.4 % a year from 2015 to 2026. Broken into its drivers: revenue per share +0.6 %, EBIT margin −1.3 %, tax rate −0.4 %, residual (interest, one-offs) −2.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Aeon Credit Service Bhd
How large is the market capitalisation of Aeon Credit Service Bhd (5139)?
The market capitalisation of Aeon Credit Service Bhd is 2.7B MYR (≈ $669M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Aeon Credit Service Bhd (5139)?
The price-to-sales ratio of Aeon Credit Service Bhd is 0.97 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Aeon Credit Service Bhd (5139)?
Earnings per share at Aeon Credit Service Bhd are 0.7900 MYR (price ÷ EPS = P/E 6.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Aeon Credit Service Bhd (5139)?
The dividend yield of Aeon Credit Service Bhd is 5.4% (payout 36.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Aeon Credit Service Bhd (5139)?
The net margin of Aeon Credit Service Bhd is 14.4% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Aeon Credit Service Bhd (5139)?
The return on equity (ROE) of Aeon Credit Service Bhd is 13.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Aeon Credit Service Bhd (5139)?
On an EBIT basis the return on assets of Aeon Credit Service Bhd is 7.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Aeon Credit Service Bhd (5139)?
The operating margin of Aeon Credit Service Bhd is 28.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Aeon Credit Service Bhd (5139)?
Revenue at Aeon Credit Service Bhd is growing +7.1% versus a year earlier (3y avg +17.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Aeon Credit Service Bhd (5139)?
Earnings per share at Aeon Credit Service Bhd are growing +22.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Aeon Credit Service Bhd (5139) generate?
The free cash flow of Aeon Credit Service Bhd is −576M MYR (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Aeon Credit Service Bhd (5139) carry?
The net debt of Aeon Credit Service Bhd is 11.5B MYR (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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