PT KDB Tifa Finance Tbk (ISX:TIFA) 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
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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:TIFA PT KDB Tifa Finance Tbk ISX:TIFA
68 GF Score
Price Rp310.00
GF Value Rp523.22
Valuation Possible Value Trap
! 6 Warning Signs
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What is PT KDB Tifa Finance Tbk Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


PT KDB Tifa Finance Tbk  (ISX:TIFA) 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 KDB Tifa Finance Tbk Cyclically Adjusted PS Ratio Related Terms


PT KDB Tifa Finance Tbk Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for PT KDB Tifa Finance 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 KDB Tifa Finance Tbk Cyclically Adjusted PS Ratio Chart

PT KDB Tifa Finance 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 5.09 3.35 5.57 4.94 4.50

PT KDB Tifa Finance 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 6.47 3.85 4.50 3.11 2.12

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

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

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

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


ISX:TIFA
68GF Score
PT KDB Tifa Finance Tbk ISX:TIFA
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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

For example, PT KDB Tifa Finance 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)
=12.239/137.6954*137.6954
=12.239

Current CPI (Jun. 2026) = 137.6954.

PT KDB Tifa Finance Tbk Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201203 15.848 81.884 26.650
201206 16.276 82.621 27.125
201703 28.670 106.476 37.076
201706 30.377 107.722 38.830
201709 32.813 108.020 41.827
201712 34.355 109.017 43.393
201803 35.029 110.097 43.810
201806 37.374 111.085 46.327
201809 40.351 111.135 49.995
201812 33.118 112.430 40.560
201903 33.358 112.829 40.710
201906 31.825 114.730 38.195
201909 30.244 114.905 36.243
201912 33.548 115.486 40.000
202003 23.475 116.252 27.805
202006 23.402 116.630 27.629
202009 19.683 116.397 23.285
202012 36.533 117.318 42.879
202103 20.366 117.840 23.798
202106 15.544 118.184 18.110
202109 12.244 118.262 14.256
202112 11.885 119.516 13.693
202203 12.219 120.948 13.911
202206 6.945 123.322 7.754
202209 12.056 125.298 13.249
202212 12.429 126.098 13.572
202303 11.345 126.953 12.305
202306 11.382 127.663 12.276
202309 11.472 128.151 12.326
202312 13.822 129.395 14.709
202403 12.782 130.607 13.476
202406 12.600 130.792 13.265
202409 12.856 130.361 13.579
202412 13.020 131.432 13.641
202503 12.468 131.948 13.011
202506 12.402 133.241 12.817
202509 12.331 133.819 12.688
202512 12.535 135.271 12.760
202603 11.913 136.539 12.014
202606 12.239 137.695 12.239

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 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 Rp310.00 is trading 40.8% below its estimated GF Value™ of Rp523.22. GuruFocus considers PT KDB Tifa Finance Tbk to be Possible Value Trap.

Key valuation signals for ISX:TIFA:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: Rp523.22 vs. price of Rp310.00 (40.8% below fair value)
  • GF Score™: 68/100 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.
68GF Score

Get the complete analysis for ISX:TIFA

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

Rp310.00
Price
Rp523.22
GF Value