PT Woori Finance Indonesia Tbk (ISX:BPFI) Cyclically Adjusted PS Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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.
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Founder & CEO of GuruFocus
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.

ISX:BPFI PT Woori Finance Indonesia Tbk ISX:BPFI
52 GF Score
Price Rp248.00
GF Value Rp446.78
Valuation Possible Value Trap
! 6 Warning Signs
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What is PT Woori Finance Indonesia Tbk Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


PT Woori Finance Indonesia Tbk  (ISX:BPFI) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


PT Woori Finance Indonesia Tbk Cyclically Adjusted PS Ratio Related Terms


PT Woori Finance Indonesia Tbk Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for PT Woori Finance Indonesia Tbk's Cyclically Adjusted PS 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.

PT Woori Finance Indonesia Tbk Cyclically Adjusted PS Ratio Chart

PT Woori Finance Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.31 6.19 3.75 2.83 2.67

PT Woori Finance Indonesia Tbk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio 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 2.69 2.62 2.55 2.10 1.74

ISX:BPFI vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison

For the Credit Services subindustry, PT Woori Finance Indonesia Tbk's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Woori Finance Indonesia Tbk Cyclically Adjusted PS Ratio vs Credit Services Industry

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

* The bar in red indicates where PT Woori Finance Indonesia Tbk's Cyclically Adjusted PS Ratio falls into.


ISX:BPFI
52GF Score
PT Woori Finance Indonesia Tbk ISX:BPFI
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Woori Finance Indonesia Tbk Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

PT Woori Finance Indonesia Tbk's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, PT Woori Finance Indonesia Tbk's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=46.291/137.6954*137.6954
=46.291

Current CPI (Jun. 2026) = 137.6954.

PT Woori Finance Indonesia Tbk Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 21.828 104.142 28.861
201612 23.085 105.222 30.209
201703 23.737 106.476 30.697
201706 24.236 107.722 30.980
201709 30.786 108.020 39.243
201712 31.390 109.017 39.648
201803 38.206 110.097 47.783
201806 29.305 111.085 36.325
201809 28.465 111.135 35.268
201812 25.511 112.430 31.244
201903 30.376 112.829 37.071
201906 29.487 114.730 35.389
201909 30.618 114.905 36.691
201912 30.598 115.486 36.482
202003 32.577 116.252 38.586
202006 23.710 116.630 27.992
202009 16.918 116.397 20.014
202012 22.177 117.318 26.029
202103 21.342 117.840 24.938
202106 19.633 118.184 22.874
202109 21.914 118.262 25.515
202112 22.085 119.516 25.444
202203 21.311 120.948 24.262
202206 20.718 123.322 23.133
202209 28.367 125.298 31.174
202212 19.402 126.098 21.186
202303 27.950 126.953 30.315
202306 27.499 127.663 29.660
202309 30.204 128.151 32.453
202312 29.795 129.395 31.706
202403 32.348 130.607 34.104
202406 30.237 130.792 31.833
202409 31.546 130.361 33.321
202412 35.273 131.432 36.954
202503 34.664 131.948 36.174
202506 32.039 133.241 33.110
202509 34.838 133.819 35.847
202512 45.815 135.271 46.636
202603 45.765 136.539 46.153
202606 46.291 137.695 46.291

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

Is PT Woori Finance Indonesia Tbk (ISX:BPFI) Overvalued in 2026?

Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk stock appears to be undervalued. The current stock price of Rp248.00 is trading 44.5% below its estimated GF Value™ of Rp446.78. GuruFocus considers PT Woori Finance Indonesia Tbk to be Possible Value Trap.

Key valuation signals for ISX:BPFI:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: Rp446.78 vs. price of Rp248.00 (44.5% below fair value)
  • GF Score™: 52/100 with 6 warning signs

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


PT Woori Finance Indonesia Tbk Business Description

Address Jl. Jend. Sudirman Kav. 21, Gedung Chase Plaza 16th Floor, Jakarta, IDN, 12920
PT Woori Finance Indonesia Tbk is a multi-finance company. The firm engages in the provision of consumer financing, financial leasing, and factoring services. It operates through the following segments: Finance Lease, Consumer Financing, and Factoring. It offers financing for used passenger and commercial automobiles. The majority of the firm's revenue comes from the Consumer Financing segment.
52GF Score

Get the complete analysis for ISX:BPFI

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

Rp248.00
Price
Rp446.78
GF Value