PT BFI Finance Indonesia Tbk (ISX:BFIN) Cyclically Adjusted Revenue per Share: Rp379.33 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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:BFIN PT BFI Finance Indonesia Tbk ISX:BFIN
83 GF Score
Price Rp785.00
GF Value Rp948.95
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is PT BFI Finance Indonesia Tbk Cyclically Adjusted Revenue per Share?

PT BFI Finance Indonesia Tbk ISX:BFIN 83 Cyclically Adjusted Revenue per Share is Rp379.33 as of Mar. 2026. GuruFocus rates ISX:BFIN with a GF Score™ of 83/100 and a GF Value™ of Rp948.95 (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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

PT BFI Finance Indonesia Tbk's adjusted revenue per share for the three months ended in Mar. 2026 was Rp115.307. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is Rp379.33 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT BFI Finance Indonesia Tbk's average Cyclically Adjusted Revenue Growth Rate was 10.80% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 10.60% 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 Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of PT BFI Finance Indonesia Tbk was 10.60% per year. The lowest was 10.60% per year. And the median was 10.60% per year.

As of today (2026-07-22), PT BFI Finance Indonesia Tbk's current stock price is Rp785.00. PT BFI Finance Indonesia Tbk's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was Rp379.33. PT BFI Finance Indonesia Tbk's Cyclically Adjusted PS Ratio of today is 2.07.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of PT BFI Finance Indonesia Tbk was 5.47. The lowest was 1.65. And the median was 3.54.


PT BFI Finance Indonesia Tbk  (ISX:BFIN) Cyclically Adjusted Revenue per Share Explanation

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

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS 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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

PT BFI Finance Indonesia Tbk's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=785.00/379.33
=2.07

* 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 PS Ratio of PT BFI Finance Indonesia Tbk was 5.47. The lowest was 1.65. And the median was 3.54.


Be Aware

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


PT BFI Finance Indonesia Tbk Cyclically Adjusted Revenue per Share Related Terms


PT BFI Finance Indonesia Tbk Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for PT BFI Finance Indonesia Tbk's Cyclically Adjusted Revenue 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 BFI Finance Indonesia Tbk Cyclically Adjusted Revenue per Share Chart

PT BFI Finance Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 247.02 273.06 308.13 334.41 369.25

PT BFI Finance Indonesia 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 Revenue 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 342.27 351.43 359.43 369.25 379.33

ISX:BFIN vs V, MA, AXP: Cyclically Adjusted Revenue per Share Comparison

For the Credit Services subindustry, PT BFI 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 BFI Finance Indonesia Tbk Cyclically Adjusted PS Ratio vs Credit Services Industry

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

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


ISX:BFIN
83GF Score
PT BFI Finance Indonesia Tbk ISX:BFIN
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT BFI Finance Indonesia Tbk Cyclically Adjusted Revenue 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

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

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue 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 Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

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

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

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=115.307/136.5387*136.5387
=115.307

Current CPI (Mar. 2026) = 136.5387.

PT BFI Finance Indonesia Tbk Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 38.714 103.212 51.214
201609 74.455 104.142 97.616
201612 56.013 105.222 72.684
201703 58.482 106.476 74.994
201706 63.959 107.722 81.069
201709 66.495 108.020 84.050
201712 73.602 109.017 92.183
201803 77.123 110.097 95.646
201806 82.021 111.085 100.815
201809 84.960 111.135 104.381
201812 84.234 112.430 102.297
201903 81.694 112.829 98.861
201906 82.268 114.730 97.906
201909 84.900 114.905 100.885
201912 88.780 115.486 104.964
202003 89.347 116.252 104.938
202006 69.231 116.630 81.049
202009 68.091 116.397 79.874
202012 64.521 117.318 75.092
202103 62.025 117.840 71.867
202106 61.234 118.184 70.744
202109 63.495 118.262 73.308
202112 70.721 119.516 80.794
202203 75.060 120.948 84.735
202206 81.099 123.322 89.790
202209 88.756 125.298 96.718
202212 98.239 126.098 106.373
202303 106.094 126.953 114.105
202306 100.253 127.663 107.223
202309 100.552 128.151 107.133
202312 101.919 129.395 107.546
202403 100.075 130.607 104.620
202406 99.034 130.792 103.386
202409 104.109 130.361 109.043
202412 104.897 131.432 108.973
202503 108.124 131.948 111.885
202506 103.645 133.241 106.211
202509 111.790 133.819 114.062
202512 107.923 135.271 108.934
202603 115.307 136.539 115.307

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

What does a Cyclically Adjusted Revenue per Share of Rp379.33 mean?
PT BFI Finance Indonesia Tbk (ISX:BFIN) has a Cyclically Adjusted Revenue per Share of Rp379.33 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on PT BFI Finance Indonesia Tbk and its competitors.
Is PT BFI Finance Indonesia Tbk's Cyclically Adjusted Revenue per Share too high?
PT BFI Finance Indonesia Tbk's current Cyclically Adjusted Revenue per Share is Rp379.33. Overall, PT BFI Finance Indonesia Tbk has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT BFI Finance Indonesia Tbk's Cyclically Adjusted Revenue per Share compare to V and MA?
PT BFI Finance Indonesia Tbk's Cyclically Adjusted Revenue per Share of Rp379.33 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 Revenue per Share for a Credit Services company?
A good Cyclically Adjusted Revenue per Share depends on the Credit Services industry context. However, Cyclically Adjusted Revenue 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 Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on PT BFI Finance Indonesia Tbk and its competitors. PT BFI Finance Indonesia Tbk's current Cyclically Adjusted Revenue per Share is Rp379.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT BFI Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk (ISX:BFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp948.95, compared to a current price of Rp785.00 — trading 17.3% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is Rp379.33. PT BFI Finance Indonesia Tbk's overall GF Score™ is 83/100 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 Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (ISX:BFIN), the current Cyclically Adjusted Revenue per Share is Rp379.33 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 BFI Finance Indonesia Tbk (ISX:BFIN) Overvalued in 2026?

Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk stock appears to be undervalued. The current stock price of Rp785.00 is trading 17.3% below its estimated GF Value™ of Rp948.95. GuruFocus considers PT BFI Finance Indonesia Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BFIN:

  • Cyclically Adjusted Revenue per Share: Rp379.33
  • GF Value™: Rp948.95 vs. price of Rp785.00 (17.3% below fair value)
  • GF Score™: 83/100 with 4 warning signs

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


PT BFI Finance Indonesia Tbk Business Description

Other Exchanges PR2:Germany
Address Jalan Kapten Soebijanto Djojohadikusumo, BFI Tower, Sunburst CBD Lot 1.2, BSD City, South Tangerang, Tangerang, IDN, 15322
PT BFI Finance Indonesia Tbk is a multifinance company based in Indonesia. It offers Sharia financing solutions, such as umrah capital financing, financing for buying a used car, and other multipurpose Sharia-compliant credit products. Additionally, the company offers financial leasing solutions to individual and corporate customers who purchase or engage in the sale and leaseback of heavy equipment, machinery, motor vehicles, and other equipment. It also offers consumer financing for new and used cars purchased via dealers and secured financing for used cars, used motorcycles, and real estate. The company's operating segments are: Cars, Motorcycles, and Others. Maximum revenue is generated from the Cars segment, which includes income derived from car financing solutions.
83GF Score

Get the complete analysis for ISX:BFIN

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

Rp785.00
Price
Rp948.95
GF Value