PT KDB Tifa Finance Tbk (ISX:TIFA) Cyclically Adjusted Book per Share: Rp250.78 (As of Jun. 2026)

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ISX:TIFA PT KDB Tifa Finance Tbk ISX:TIFA
74 GF Score
Price Rp344.00
GF Value Rp525.03
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is PT KDB Tifa Finance Tbk Cyclically Adjusted Book per Share?

PT KDB Tifa Finance Tbk ISX:TIFA -3.91% 74 Cyclically Adjusted Book per Share is Rp250.78 as of Jun. 2026. GuruFocus rates ISX:TIFA with a GF Score™ of 74/100 and a GF Value™ of Rp525.03 (Possible Value Trap). The stock has 6 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 KDB Tifa Finance Tbk's adjusted book value per share for the three months ended in Jun. 2026 was Rp345.561. 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 Rp250.78 for the trailing ten years ended in Jun. 2026.

During the past 12 months, PT KDB Tifa Finance Tbk's average Cyclically Adjusted Book Growth Rate was 10.30% per year. 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 (2026-08-23), PT KDB Tifa Finance Tbk's current stock price is Rp344.00. PT KDB Tifa Finance Tbk's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was Rp250.78. PT KDB Tifa Finance Tbk's Cyclically Adjusted PB Ratio of today is 1.37.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of PT KDB Tifa Finance Tbk was 3.68. The lowest was 0.85. And the median was 1.77.


PT KDB Tifa Finance Tbk  (ISX:TIFA) 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 KDB Tifa Finance Tbk's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=344.00/250.78
=1.37

* 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 13 years, the highest Cyclically Adjusted PB Ratio of PT KDB Tifa Finance Tbk was 3.68. The lowest was 0.85. And the median was 1.77.


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 KDB Tifa Finance Tbk Cyclically Adjusted Book per Share Related Terms


PT KDB Tifa Finance Tbk Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for PT KDB Tifa 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 KDB Tifa Finance Tbk Cyclically Adjusted Book per Share Chart

PT KDB Tifa 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 0.00 237.52

PT KDB Tifa Finance Tbk Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 227.35 231.71 237.52 242.82 250.78

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

For the Credit Services subindustry, PT KDB Tifa 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 KDB Tifa Finance Tbk Cyclically Adjusted PB Ratio vs Credit Services Industry

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

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


ISX:TIFA
74GF Score
PT KDB Tifa Finance Tbk ISX:TIFA
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT KDB Tifa 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 KDB Tifa Finance Tbk's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=345.561/137.6954*137.6954
=345.561

Current CPI (Jun. 2026) = 137.6954.

PT KDB Tifa Finance Tbk Quarterly Data

Book Value per Share CPI Adj_Book
201503 106.485 98.388 149.028
201506 104.822 99.766 144.673
201509 106.526 101.037 145.177
201512 107.269 102.133 144.620
201603 109.356 102.764 146.528
201606 108.921 103.212 145.311
201609 109.821 104.142 145.204
201612 284.588 105.222 372.417
201703 291.425 106.476 376.873
201706 290.970 107.722 371.933
201709 116.237 108.020 148.169
201712 117.237 109.017 148.078
201803 119.993 110.097 150.073
201806 120.493 111.085 149.357
201809 123.336 111.135 152.813
201812 125.100 112.430 153.213
201912 134.233 115.486 160.048
202003 0.000 116.252 0.000
202006 0.000 116.630 0.000
202009 0.000 116.397 0.000
202012 132.237 117.318 155.206
202103 134.970 117.840 157.712
202106 137.934 118.184 160.706
202109 287.935 118.262 335.251
202112 290.822 119.516 335.058
202212 306.886 126.098 335.112
202303 0.000 126.953 0.000
202306 0.000 127.663 0.000
202309 0.000 128.151 0.000
202312 323.683 129.395 344.447
202403 327.749 130.607 345.537
202406 332.605 130.792 350.161
202409 337.655 130.361 356.652
202412 342.184 131.432 358.492
202503 344.666 131.948 359.678
202506 329.825 133.241 340.852
202509 336.428 133.819 346.173
202512 342.985 135.271 349.132
202603 344.224 136.539 347.140
202606 345.561 137.695 345.561

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 Rp250.78 mean?
PT KDB Tifa Finance Tbk (ISX:TIFA) has a Cyclically Adjusted Book per Share of Rp250.78 as of Jun. 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 KDB Tifa Finance Tbk and its competitors.
Is PT KDB Tifa Finance Tbk's Cyclically Adjusted Book per Share too high?
PT KDB Tifa Finance Tbk's current Cyclically Adjusted Book per Share is Rp250.78. Overall, PT KDB Tifa Finance Tbk has a GF Score™ of 74/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT KDB Tifa Finance Tbk's Cyclically Adjusted Book per Share compare to V and MA?
PT KDB Tifa Finance Tbk's Cyclically Adjusted Book per Share of Rp250.78 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 KDB Tifa Finance Tbk and its competitors. PT KDB Tifa Finance Tbk's current Cyclically Adjusted Book per Share is Rp250.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT KDB Tifa Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk (ISX:TIFA) is currently considered Possible Value Trap. The stock's GF Value™ is Rp525.03, compared to a current price of Rp344.00 — trading 34.5% below its estimated fair value. The current Cyclically Adjusted Book per Share is Rp250.78. PT KDB Tifa Finance Tbk's overall GF Score™ is 74/100 with 6 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 KDB Tifa Finance Tbk (ISX:TIFA), the current Cyclically Adjusted Book per Share is Rp250.78 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 KDB Tifa Finance Tbk (ISX:TIFA) Overvalued in 2026?

Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk stock appears to be undervalued. The current stock price of Rp344.00 is trading 34.5% below its estimated GF Value™ of Rp525.03. GuruFocus considers PT KDB Tifa Finance Tbk to be Possible Value Trap.

Key valuation signals for ISX:TIFA:

  • Cyclically Adjusted Book per Share: Rp250.78
  • GF Value™: Rp525.03 vs. price of Rp344.00 (34.5% below fair value)
  • GF Score™: 74/100 with 6 warning signs

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


PT KDB Tifa Finance Tbk Business Description

Address Jalan Jenderal Sudirman Kaveling 52-53, Pacific Century Place Lantai 41, SCBD Lot 10, South Jakarta, Jakarta, IDN, 12190
PT KDB Tifa Finance Tbk is a financial service company. Its activities comprise investment financing, sharia financing, working capital financing, multipurpose financing, other financing business activities based on approval of OJK, operating lease, and/or fee-based activities to the extent not inconsistent with legislation. The Company has four segments, including finance lease, multipurpose financing, sharia financing, and treasury. It generates maximum revenue from the Finance Lease segment.
74GF Score

Get the complete analysis for ISX:TIFA

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

Rp344.00
Price
Rp525.03
GF Value