PT Radana Bhaskara Finance Tbk (ISX:HDFA) Cyclically Adjusted Book per Share: Rp131.23 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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ISX:HDFA PT Radana Bhaskara Finance Tbk ISX:HDFA
55 GF Score
Price Rp89.00
GF Value Rp122.54
Valuation Modestly Undervalued
! 4 Warning Signs
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What is PT Radana Bhaskara Finance Tbk Cyclically Adjusted Book per Share?

PT Radana Bhaskara Finance Tbk ISX:HDFA 55 Cyclically Adjusted Book per Share is Rp131.23 as of Mar. 2026. GuruFocus rates ISX:HDFA with a GF Score™ of 55/100 and a GF Value™ of Rp122.54 (Modestly Undervalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

PT Radana Bhaskara Finance Tbk's adjusted book value per share for the three months ended in Mar. 2026 was Rp75.329. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is Rp131.23 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-19), PT Radana Bhaskara Finance Tbk's current stock price is Rp89.00. PT Radana Bhaskara Finance Tbk's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was Rp131.23. PT Radana Bhaskara Finance Tbk's Cyclically Adjusted PB Ratio of today is 0.68.

During the past 10 years, the highest Cyclically Adjusted PB Ratio of PT Radana Bhaskara Finance Tbk was 1.03. The lowest was 0.62. And the median was 0.81.


PT Radana Bhaskara Finance Tbk  (ISX:HDFA) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

PT Radana Bhaskara Finance Tbk's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=89.00/131.23
=0.68

* 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.

During the past 10 years, the highest Cyclically Adjusted PB Ratio of PT Radana Bhaskara Finance Tbk was 1.03. The lowest was 0.62. And the median was 0.81.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


PT Radana Bhaskara Finance Tbk Cyclically Adjusted Book per Share Related Terms


PT Radana Bhaskara Finance Tbk Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for PT Radana Bhaskara Finance Tbk's Cyclically Adjusted Book per Share 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.

PT Radana Bhaskara Finance Tbk Cyclically Adjusted Book per Share Chart

PT Radana Bhaskara Finance Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 131.59

PT Radana Bhaskara Finance Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 131.59 131.23

ISX:HDFA vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, PT Radana Bhaskara Finance Tbk's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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 Radana Bhaskara Finance Tbk Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PT Radana Bhaskara Finance Tbk's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where PT Radana Bhaskara Finance Tbk's Cyclically Adjusted PB Ratio falls into.


ISX:HDFA
55GF Score
PT Radana Bhaskara Finance Tbk ISX:HDFA
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Radana Bhaskara Finance Tbk Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PT Radana Bhaskara Finance Tbk's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=75.329/136.5387*136.5387
=75.329

Current CPI (Mar. 2026) = 136.5387.

PT Radana Bhaskara Finance Tbk Quarterly Data

Book Value per Share CPI Adj_Book
201606 265.716 103.212 351.514
201609 0.000 104.142 0.000
201612 211.750 105.222 274.772
201703 214.031 106.476 274.461
201706 211.891 107.722 268.575
201709 212.982 108.020 269.211
201712 216.463 109.017 271.110
201803 0.000 110.097 0.000
201806 0.000 111.085 0.000
201809 0.000 111.135 0.000
201812 95.779 112.430 116.317
201903 89.411 112.829 108.200
201906 76.523 114.730 91.069
201909 60.264 114.905 71.610
201912 97.474 115.486 115.243
202003 94.750 116.252 111.284
202006 90.510 116.630 105.960
202009 88.705 116.397 104.055
202012 83.075 117.318 96.685
202103 84.253 117.840 97.622
202106 85.502 118.184 98.781
202109 87.118 118.262 100.582
202112 96.175 119.516 109.873
202203 97.536 120.948 110.109
202206 98.946 123.322 109.550
202209 100.372 125.298 109.376
202212 102.852 126.098 111.368
202303 104.488 126.953 112.378
202306 104.595 127.663 111.867
202309 104.783 128.151 111.641
202312 94.117 129.395 99.313
202403 94.853 130.607 99.161
202406 95.726 130.792 99.932
202409 95.876 130.361 100.420
202412 87.544 131.432 90.946
202503 88.111 131.948 91.176
202506 87.824 133.241 89.998
202509 87.163 133.819 88.934
202512 75.055 135.271 75.758
202603 75.329 136.539 75.329

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of Rp131.23 mean?
PT Radana Bhaskara Finance Tbk (ISX:HDFA) has a Cyclically Adjusted Book per Share of Rp131.23 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on PT Radana Bhaskara Finance Tbk and its competitors.
Is PT Radana Bhaskara Finance Tbk's Cyclically Adjusted Book per Share too high?
PT Radana Bhaskara Finance Tbk's current Cyclically Adjusted Book per Share is Rp131.23. Overall, PT Radana Bhaskara Finance Tbk has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Radana Bhaskara Finance Tbk's Cyclically Adjusted Book per Share compare to V and MA?
PT Radana Bhaskara Finance Tbk's Cyclically Adjusted Book per Share of Rp131.23 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on PT Radana Bhaskara Finance Tbk and its competitors. PT Radana Bhaskara Finance Tbk's current Cyclically Adjusted Book per Share is Rp131.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Radana Bhaskara Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk (ISX:HDFA) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp122.54, compared to a current price of Rp89.00 — trading 27.4% below its estimated fair value. The current Cyclically Adjusted Book per Share is Rp131.23. PT Radana Bhaskara Finance Tbk's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For PT Radana Bhaskara Finance Tbk (ISX:HDFA), the current Cyclically Adjusted Book per Share is Rp131.23 as of Mar. 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 Radana Bhaskara Finance Tbk (ISX:HDFA) Overvalued in 2026?

Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk stock appears to be undervalued. The current stock price of Rp89.00 is trading 27.4% below its estimated GF Value™ of Rp122.54. GuruFocus considers PT Radana Bhaskara Finance Tbk to be Modestly Undervalued.

Key valuation signals for ISX:HDFA:

  • Cyclically Adjusted Book per Share: Rp131.23
  • GF Value™: Rp122.54 vs. price of Rp89.00 (27.4% below fair value)
  • GF Score™: 55/100 with 4 warning signs

No single metric tells the full story. See the ISX:HDFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Radana Bhaskara Finance Tbk Business Description

Address Jl. TB Simatupang, No. 2 Rt. 001/Rw. 005, CIBIS Nine Building 11th Floor Suite W-16, Kel. Cilandak Timur, Kec. Pasar Minggu, Jakarta, IDN, 12560
PT Radana Bhaskara Finance Tbk is engaged in the field of financing institutions, which includes Investment Financing, Working Capital Financing and Multipurpose Financing, as well as other Financing business activities. The Sharia business activities include: Sale and Purchase Financing, Investment Financing, and Service Financing. Its segments include Factoring, ABF, and Legacy. It derives majority of revenue from factoring segment.
55GF Score

Get the complete analysis for ISX:HDFA

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp89.00
Price
Rp122.54
GF Value