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PT Buana Finance TbkISX:BBLD -1.43%57 Current Ratio is 2.48 as of Jun. 2026, which is 95% below its 10-year median of 48.53. GuruFocus rates ISX:BBLD with a GF Score™ of 57/100 and a GF Value™ of Rp805.82 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 400 Credit Services companies, PT Buana Finance Tbk ranks worse than 55.5% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. PT Buana Finance Tbk's current ratio for the quarter that ended in Jun. 2026 was 2.48.
PT Buana Finance Tbk has a current ratio of 2.48. It generally indicates good short-term financial strength.
The historical rank and industry rank for PT Buana Finance Tbk's Current Ratio or its related term are showing as below:
ISX:BBLD'
s Current Ratio Range Over the Past 10 Years
Min: 2.35 Med: 48.53 Max: 106.36
Current: 2.48
During the past 13 years, PT Buana Finance Tbk's highest Current Ratio was 106.36. The lowest was 2.35. And the median was 48.53.
ISX:BBLD's Current Ratio is ranked worse than 55.5% of 400
companies
in the Credit Services industry
Industry Median: 3.18
vs ISX:BBLD: 2.48
PT Buana Finance Tbk (ISX:BBLD) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
PT Buana Finance Tbk Current Ratio Related Terms
PT Buana Finance Tbk Current Ratio Historical Data
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The historical data trend for PT Buana Finance Tbk's Current 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 Current Ratio, along with its competitors' market caps and Current 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's Current Ratio distribution charts can be found below:
* The bar in red indicates where PT Buana Finance Tbk's Current 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 Current Ratio of 2.48 as of Jun. 2026. This is 95% below median its historical median of 48.53. Over the past decade, PT Buana Finance Tbk's Current Ratio has ranged from 2.35 to 106.36. According to the industry distribution chart, PT Buana Finance Tbk ranks #222 out of 400 companies in the Credit Services industry, placing it in the top 55.5%.
Is PT Buana Finance Tbk's Current Ratio too high?
PT Buana Finance Tbk's current Current Ratio of 2.48 is 95% below median its 10-year median of 48.53. Over the past 10 years, this metric has ranged from a low of 2.35 to a high of 106.36. The Credit Services industry median Current Ratio is 3.18. PT Buana Finance Tbk's value of 2.48 is 22% below this industry median. Based on the distribution chart, PT Buana Finance Tbk ranks #222 out of 400 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Buana Finance Tbk has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Buana Finance Tbk's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Buana Finance Tbk ranks #222 out of 400 companies for Current Ratio. This places PT Buana Finance Tbk in the lower half of its industry. The industry median Current Ratio is 3.18. PT Buana Finance Tbk's value of 2.48 is 22% below this benchmark. Historically, PT Buana Finance Tbk's own Current Ratio has ranged from 2.35 to 106.36 over the past decade. While the company's 10-year median is 48.53 vs. the industry median of 3.18, 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 3.18, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Buana Finance Tbk's current Current Ratio of 2.48 is 22% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 3.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Buana Finance Tbk's current Current Ratio is 2.48, which is 95% below median its own 10-year median of 48.53. 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 Rp805.82, compared to a current price of Rp690.00 — trading 14.4% below its estimated fair value. The current Current Ratio is 2.48, which is 95% below median its 10-year median of 48.53 and 22% below the Credit Services industry median of 3.18. PT Buana Finance Tbk's overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For PT Buana Finance Tbk (ISX:BBLD), the current Current Ratio is 2.48 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 Rp690.00 is trading 14.4% below its estimated GF Value™ of Rp805.82.
GuruFocus considers PT Buana Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BBLD:
Current Ratio: 2.48 (95% below median its 10-year median of 48.53)
GF Value™: Rp805.82 vs. price of Rp690.00 (14.4% below fair value)
Industry Position: 22% below the Credit Services median (#222 of 400)
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.
57GF Score
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