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AEON Credit Service (M) Berhad (5139.KL)
Kuala Lumpur, MY
Operating in Malaysia, AEON Credit Service (M) Berhad specializes in providing a diverse array of financial solutions to individual consumers. Its primary services include Sharia-compliant easy payment and personal financing schemes, in addition to issuing payment cards under both Visa and MasterCard brands. The company's extensive portfolio also features credit and prepaid cards, the AEON Wallet mobile application, and a variety of financing options such as hire purchase for motor vehicles, as well as loans for motorcycles, automobiles, small and medium-sized enterprises (SMEs), and 'objective financing,' alongside insurance brokerage services. A range of other related financial services further completes its offerings. Customers can access these services through an extensive network of physical branches, cash deposit machines, and e-money kiosks. Established in 1996 and headquartered in Kuala Lumpur, Malaysia, AEON Credit Service (M) Berhad functions as a subsidiary of AEON Financial Service Co., Ltd.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -0.17% | +0.85% | +2.76% | +11.40% | +3.83% | +4.01% | +2.58% | -49.92% | -35.50% | +220.43% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 4 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%+22.1% ★ Q2'26: +17.1% (vs Q2'25)
-
EPS growth Financial - Credit Services: +24.0%+4.1% Q2'26: +26.7% (vs Q2'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-72.7% Q2'26: -33.6% (vs Q2'25)
-
EBIT margin Financial - Credit Services: +28.7%+38.1% ★ Q2'26: +37.2% (vs Q2'25)
-
ROIC Financial - Credit Services: +5.0%+5.0% Q2'26: +5.0% (vs Q2'25)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q2'26: +0.0% (vs Q2'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×11.01× Q2'26: 11.14× (vs Q2'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Feb 2015 actual |
Feb 2016 actual |
Feb 2017 actual |
Feb 2018 actual |
Feb 2019 actual |
Feb 2020 actual |
Feb 2021 actual |
Feb 2022 actual |
Feb 2023 actual |
Feb 2024 actual |
Feb 2025 actual |
Feb 2026 2 Rev. Ana. 4 EPS Ana. |
Feb 2027 2 Rev. Ana. 1 EPS Ana. |
Feb 2028 2 Rev. Ana. 4 EPS Ana. |
Feb 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
871.60M
est: 834.12M (+4.5%)
|
965.23M
est: 935.72M (+3.2%)
|
1.10B
est: 1.08B (+2.4%)
|
1.24B
est: 1.24B (+0.0%)
|
1.37B
est: 1.36B (+0.7%)
|
1.60B
est: 1.57B (+1.7%)
|
1.56B
est: 1.48B (+5.5%)
|
1.52B
est: 1.50B (+1.5%)
|
1.64B
est: 1.49B (+10.3%)
|
2.11B
est: 1.67B (+26.4%)
|
2.20B
est: 2.01B (+9.4%)
|
2.17B
2.10B – 2.24B
+8.0% YoY
|
2.38B
2.31B – 2.45B
+9.3% YoY
|
2.58B
2.55B – 2.61B
+8.6% YoY
|
2.88B
2.82B – 2.94B
+11.5% YoY
|
| EBITDA |
318.26M
est: 270.50M (+17.7%)
|
331.61M
est: 303.45M (+9.3%)
|
380.86M
est: 348.87M (+9.2%)
|
430.23M
est: 400.51M (+7.4%)
|
515.78M
est: 439.81M (+17.3%)
|
487.80M
est: 509.91M (-4.3%)
|
411.95M
est: 479.92M (-14.2%)
|
599.06M
est: 487.38M (+22.9%)
|
614.63M
est: 482.46M (+27.4%)
|
646.99M
est: 540.32M (+19.7%)
|
622.87M
est: 709.46M (-12.2%)
|
766.41M
741.81M – 791.01M
+8.0% YoY
|
838.07M
813.12M – 863.02M
+9.3% YoY
|
909.99M
898.31M – 921.68M
+8.6% YoY
|
1.01B
993.35M – 1.04B
+11.5% YoY
|
| EBIT |
299.18M
est: 239.73M (+24.8%)
|
312.11M
est: 268.93M (+16.1%)
|
357.97M
est: 309.19M (+15.8%)
|
405.02M
est: 354.95M (+14.1%)
|
479.62M
est: 389.78M (+23.0%)
|
422.86M
est: 451.91M (-6.4%)
|
340.86M
est: 425.33M (-19.9%)
|
529.56M
est: 431.94M (+22.6%)
|
551.74M
est: 427.58M (+29.0%)
|
586.87M
est: 478.86M (+22.6%)
|
564.62M
est: 643.88M (-12.3%)
|
695.57M
673.24M – 717.89M
+8.0% YoY
|
760.60M
737.96M – 783.24M
+9.3% YoY
|
825.88M
815.28M – 836.48M
+8.6% YoY
|
920.80M
901.53M – 940.08M
+11.5% YoY
|
| Net Income |
215.73M
est: 250.17M (-13.8%)
|
228.22M
est: 259.15M (-11.9%)
|
265.03M
est: 290.17M (-8.7%)
|
300.06M
est: 288.50M (+4.0%)
|
354.62M
est: 346.32M (+2.4%)
|
292.05M
est: 280.64M (+4.1%)
|
233.96M
est: 175.18M (+33.6%)
|
365.42M
est: 393.38M (-7.1%)
|
417.69M
est: 405.43M (+3.0%)
|
414.02M
est: 408.33M (+1.4%)
|
370.61M
est: 371.70M (-0.3%)
|
347.34M
330.36M – 354.70M
-6.6% YoY
|
389.69M
379.09M – 400.30M
+12.2% YoY
|
440.41M
405.00M – 503.18M
+13.0% YoY
|
520.54M
506.37M – 534.70M
+18.2% YoY
|
| SGA |
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
0.97
est: 0.49 (+98.0%)
|
0.99
est: 0.51 (+95.1%)
|
1.01
est: 0.57 (+77.7%)
|
1.46
est: 0.57 (+158.4%)
|
1.39
est: 0.68 (+104.9%)
|
1.14
est: 0.55 (+107.4%)
|
0.92
est: 0.34 (+168.2%)
|
1.43
est: 0.77 (+85.6%)
|
0.80
est: 0.79 (+0.8%)
|
0.81
est: 0.80 (+1.3%)
|
0.73
est: 0.73 (+0.3%)
|
0.68
0.65 – 0.69
-6.6% YoY
|
0.76
0.74 – 0.78
+12.2% YoY
|
0.86
0.79 – 0.99
+13.0% YoY
|
1.02
0.99 – 1.05
+18.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-28 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-26 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-25 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-22 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-21 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-15 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-14 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-13 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-12 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-04 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | FlexShares Morningstar Emerging Markets Factor Tilt Index Fund TLTE | 0.03% | 106.5K | 0.58% |
| 2 | iShares MSCI AC Far East ex-Japan Small Cap UCITS ETF ISFE.L | 0.02% | 18.1K | 0.74% |
| 3 | State Street SPDR MSCI Emerging Markets Small Cap UCITS ETF EMSD.L | 0.01% | 64.9K | 0.55% |
| 4 | iShares MSCI EM Small Cap UCITS ETF IEMS.L | 0.01% | 30.9K | 0.74% |
| 5 | iShares Core MSCI EM IMI UCITS ETF EIMU.L | 0.00% | 15.4K | 0.18% |
| 6 | iShares Core MSCI EM IMI UCITS ETF EIMI.L | 0.00% | 375.1K | 0.18% |
| 7 | Avantis Responsible Emerging Markets Equity ETF AVSE | 0.00% | 1.4K | 0.33% |
| 8 | Avantis Emerging Markets Equity ETF AVEM | 0.00% | 26.2K | 0.33% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Daisuke Maeda | MD, CEO & Executive Director | 1M | male |
| Tyan Jen Lee | Deputy CEO, COO, Head of Marketing & Business Development Division and Executive Director | 1M | female |
| Kit Seong Lee | Chief Corporate Officer | 298.0K | male |
| Chee Chong Phang CISA CRISC CRMA | Head of Internal Audit Group & GM | — | male |
| Madam Yit Chan Tai | Secretary | — | — |
| Naomi Mikuni | Deputy CEO, Chief Governance & Transformation Officer | — | female |
| Siew Tee Lee | Chief Financial Officer | — | female |
| Koon San Tan | Managing Director of AEON Insurance Brokers (M) Sdn. Bhd. | — | male |
| Faizul Bin Hamzah | Chief Risk Officer | — | male |
| Ken Shinohara | Chief Information Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 5139.KL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
