# AEONCR - AEON CREDIT SERVICE (M) BERHAD (5139.KL)

Stock code 5139 · Yahoo ticker 5139.KL · Sector: Financial Services

Overall fundamentals score: 56/100 (Okay). Top 38% of scored stocks.

## Pillar scores

| Pillar | Score | Status |
|---|---|---|
| Business Strength | 70/100 | Okay |
| Financial Safety | 50/100 | Okay |
| Cash & Dividends | 25/100 | Weak |
| Price Fairness | 67/100 | Okay |
| Risk | 70/100 | Okay |

## Every measure

AEONCR (5139.KL): Overall score: 56/100 (Okay)

Business Strength: 70/100 (Okay)
Return on Equity (ROE) 13% - Okay
4-Year Revenue Growth +10%/yr - Strong
4-Year Profit Growth -2%/yr - Weak
Net Profit Margin 16% - Strong
Quarterly Momentum +11% - Strong

Financial Safety: 50/100 (Okay)
Debt-to-Equity 3.9× - Weak
Current Ratio 1.2× - Okay
Interest Coverage 268.1× - Strong

Cash & Dividends: 25/100 (Weak)
Dividend Quality 6% - Okay
Operating Cash Flow Negative recently - Weak
Free Cash Flow Negative recently - Weak
Cash & Cash Equivalents Partly healthy - Okay

Price Fairness: 67/100 (Okay)
P/E Ratio 6.2× - Strong
P/B Ratio 0.8× - Strong
PEG Ratio n/m (growth not measurable) - Weak

Risk: 70/100 (Okay)
Earnings Consistency Steady - Strong
Debt Trend (4yr) Rising - Weak
Share Count Trend (4yr) +0%/yr - Strong
Asset Turnover Trend (4yr) +0.9% - Okay
Quarterly Consistency 0 of 4 quarters down - Strong

## Common questions

### What is AEONCR's fundamentals score?

AEONCR (5139.KL) scores 56/100 (Okay) on Score Your Stock's educational fundamentals model: in the top 38% of 1120 scored Bursa Malaysia stocks.

### Which pillar is AEONCR strongest and weakest on?

Its strongest pillar is Business Strength (70/100); its weakest is Cash & Dividends (25/100).

### How does AEONCR rank against its sector?

AEONCR ranks #27 of 38 scored Financial Services stocks on Score Your Stock.

### Does AEONCR pay dividends?

Yes. AEONCR (5139.KL) has a dividend yield of 5.8%, from dividends with an ex-date in the last 12 months. It pays out 39% of its profit as dividends. Its Cash & Dividends pillar scores 25/100.

### How do I buy AEONCR shares?

Open a trading account and a CDS account with any Bursa Malaysia broker, then place a buy order for 5139.KL in lots of 100 shares. Broker fees for the same trade differ a lot between brokers: compare them for your trade size at https://scoreyourstock.com/tools/brokerage-fee-calculator.

### How is this score calculated?

The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk (for banks, Financial Safety checks impaired loans, loan loss coverage and the CET1 capital ratio instead of debt and liquidity). Full methodology, the default weights, and how to set your own: https://scoreyourstock.com/how. This is an educational tool, not investment advice.

### What is AEONCR (5139.KL), in plain English?

Consumer lender behind AEON credit cards, motorcycle and car financing, personal loans and AEON Bank. On Score Your Stock's fundamentals check, it scores 56/100, rated Okay. Its biggest strength is Business Strength (70/100); its main watch-out is Cash & Dividends (25/100). Shares currently cost about 6 years of its current profit to buy (P/E 6.2×). It also pays back about 5.8% of the share price as dividends each year. Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/klse/5139-aeoncr

Market data as of 18 Oct 2026.
Full page with charts and explanations: https://scoreyourstock.com/stocks/klse/5139-aeoncr
Educational tool, not investment advice. Data isn't real-time.