Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PT Buana Finance TbkISX:BBLD 54 Cash Ratio is 0.19 as of Jun. 2026, which is 90% below its 10-year median of 1.82. GuruFocus rates ISX:BBLD with a GF Score™ of 54/100 and a GF Value™ of Rp813.03 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 412 Credit Services companies, PT Buana Finance Tbk ranks worse than 69.66% on this metric.
PT Buana Finance Tbk has a Cash Ratio of 0.19. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for PT Buana Finance Tbk's Cash Ratio or its related term are showing as below:
ISX:BBLD'
s Cash Ratio Range Over the Past 10 Years
Min: 0.14 Med: 1.82 Max: 6.86
Current: 0.19
During the past 13 years, PT Buana Finance Tbk's highest Cash Ratio was 6.86. The lowest was 0.14. And the median was 1.82.
ISX:BBLD's Cash Ratio is ranked worse than 69.66% of 412
companies
in the Credit Services industry
Industry Median: 0.47
vs ISX:BBLD: 0.19
PT Buana Finance Tbk (ISX:BBLD) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
PT Buana Finance Tbk Cash Ratio Related Terms
PT Buana Finance Tbk Cash Ratio Historical Data
* Premium members only.
The historical data trend for PT Buana Finance Tbk's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, PT Buana Finance Tbk's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PT Buana Finance Tbk Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's Cash Ratio distribution charts can be found below:
* The bar in red indicates where PT Buana Finance Tbk's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Buana Finance Tbk (ISX:BBLD) has a Cash Ratio of 0.19 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on PT Buana Finance Tbk and its competitors. This is 90% below median its historical median of 1.82. Over the past decade, PT Buana Finance Tbk's Cash Ratio has ranged from 0.14 to 6.86. According to the industry distribution chart, PT Buana Finance Tbk ranks #287 out of 412 companies in the Credit Services industry, placing it in the top 69.7%.
Is PT Buana Finance Tbk's Cash Ratio too high?
PT Buana Finance Tbk's current Cash Ratio of 0.19 is 90% below median its 10-year median of 1.82. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 6.86. The Credit Services industry median Cash Ratio is 0.47. PT Buana Finance Tbk's value of 0.19 is 59.6% below this industry median. Based on the distribution chart, PT Buana Finance Tbk ranks #287 out of 412 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Buana Finance Tbk has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Buana Finance Tbk's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Buana Finance Tbk ranks #287 out of 412 companies for Cash Ratio. This places PT Buana Finance Tbk in the lower half of its industry. The industry median Cash Ratio is 0.47. PT Buana Finance Tbk's value of 0.19 is 59.6% below this benchmark. Historically, PT Buana Finance Tbk's own Cash Ratio has ranged from 0.14 to 6.86 over the past decade. While the company's 10-year median is 1.82 vs. the industry median of 0.47, PT Buana Finance Tbk has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.47, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Buana Finance Tbk's current Cash Ratio of 0.19 is 59.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on PT Buana Finance Tbk and its competitors. For the Credit Services industry, the median Cash Ratio is 0.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Buana Finance Tbk's current Cash Ratio is 0.19, which is 90% below median its own 10-year median of 1.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Buana Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Buana Finance Tbk (ISX:BBLD) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp813.03, compared to a current price of Rp670.00 — trading 17.6% below its estimated fair value. The current Cash Ratio is 0.19, which is 90% below median its 10-year median of 1.82 and 59.6% below the Credit Services industry median of 0.47. PT Buana Finance Tbk's overall GF Score™ is 54/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For PT Buana Finance Tbk (ISX:BBLD), the current Cash Ratio is 0.19 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PT Buana Finance Tbk (ISX:BBLD) Overvalued in 2026?
Based on GuruFocus' analysis, PT Buana Finance Tbk stock appears to be undervalued.
The current stock price of Rp670.00 is trading 17.6% below its estimated GF Value™ of Rp813.03.
GuruFocus considers PT Buana Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BBLD:
Cash Ratio: 0.19 (90% below median its 10-year median of 1.82)
GF Value™: Rp813.03 vs. price of Rp670.00 (17.6% below fair value)
Industry Position: 59.6% below the Credit Services median (#287 of 412)
No single metric tells the full story. See the ISX:BBLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressJalan Prof. Dr. Satrio Kav. 11, Lantai 38, Unit A-F, Office Tower, Ciputra World 2, Karet Semanggi, Setiabudi, South Jakarta, Jakarta, IDN, 12950
PT Buana Finance Tbk is engaged in Investment Financing, Working Capital Financing, Multipurpose Financing, other financing business activities subject to OJK approval, and other supporting business activities. Its Investment Financing activities include Financial Lease, Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Installment Financing, Project Financing,. Infrastructure Financing; Working Capital Financing includes Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Working Capital Facility. The company's operating segments represent the product types: finance lease and consumer financing.
54GF Score
Get the complete analysis for ISX:BBLD
Cash Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:BBLD has been successfully added to your 
